Discovery Health Comparison

Discovery Health is the leading Medical Aid in South Africa. It is not hard to see why they are so successful. They have over 2.5 million members and 1.3 principal members. Discovery Health is in line with the King 111 Code of Corporate Governance and has the highest credit rating of AA+ for 12 consecutive years.

Below is a table that compares each policy. You will find that some differ only in the range of hospitals offered. Some have MSA benefits while others do not. I trust you will find it is easy to find the perfect cover for you.

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Executive

The most extensive cover for in-hospital and day-to-day benefits

Hospital

Unlimited cover in any private hospital, including private ward cover

Specialist

Guaranteed full cover in hospital for specialists on a payment arrangement, and up to 300% of the Discovery Health Rate for other specialists and 200% at the DHR for other healthcare professionals

Chronic

Full cover option for chronic medicine for all CDL conditions plus some additional chronic conditions; plus access to an exclusive list of brand medicines

Medical Savings Account

Highest Medical Savings Account and an unlimited Above Threshold Benefit for your day-to-day healthcare needs

Maternity

Cover for comprehensive pre- and postnatal healthcare services for maternity and early childhood

Classic Comprehensive

Comprehensive cover for in-hospital and day-to-day benefits

Hospital

Unlimited private hospital cover

Specialist

Guaranteed full cover in hospital for specialists on a payment arrangement, and up to 200% of the Discovery Health Rate for other healthcare professionals

Chronic

Full cover option for chronic medicine for all CDL conditions plus some additional chronic conditions

Medical Savings Account

A high Medical Savings Account and an unlimited Above Threshold Benefit for your day-to-day healthcare needs

Maternity

Cover for comprehensive pre- and postnatal healthcare services for maternity and early childhood

Classic Delta Comprehensive

Comprehensive cover for in-hospital and day-to-day benefits

Hospital

Unlimited hospital cover in the Delta Hospital Network

Specialist

Guaranteed full cover in hospital for specialists on a payment arrangement, and up to 200% of the Discovery Health Rate for other healthcare professionals

Chronic

Full cover option for chronic medicine for all CDL conditions plus some additional chronic conditions

Medical Savings Account

A high Medical Savings Account and an unlimited Above Threshold Benefit for your day-to-day healthcare need

Maternity

Cover for comprehensive pre- and postnatal healthcare services for maternity and early childhood

Classic Zero

Comprehensive cover for in-hospital and above threshold day-to-day benefit

Hospital

Unlimited private hospital cover

Specialist

Guaranteed full cover in hospital for specialists on a payment arrangement, and up to 200% of the DHR for other healthcare professionals

Chronic

Full cover option for chronic medicine for all CDL conditions plus some additional chronic conditions

Medical Savings Account

No Medical Savings Account but unlimited Above Threshold Benefit for your day-to-day healthcare needs

Maternity

Cover for comprehensive pre- and postnatal healthcare services for maternity and early childhood

Essential Comprehensive

Comprehensive cover for in-hospital and day-to-day benefits

Hospital

Unlimited private hospital cover

Specialist

Guaranteed full cover in hospital for specialists on a payment arrangement, and up to 200% of the DHR for other healthcare professionals

Chronic

Full cover option for chronic medicine for all CDL conditions plus some additional chronic conditions

Medical Savings Account

A high Medical Savings Account and an unlimited Above Threshold Benefit for your day-to-day healthcare needs

Maternity

Cover for comprehensive pre- and postnatal healthcare services for maternity and early childhood

Essential Delta Comprehensive

Comprehensive cover for in-hospital and day-to-day benefits

Hospital

Unlimited hospital cover in the Delta Hospital Network

Specialist

Guaranteed full cover in hospital for specialists on a payment arrangement, and up to 100% of the DHR for other healthcare professionals

Chronic

Full cover option for chronic medicine for all CDL conditions plus some additional chronic conditions

Medical Savings Account

A high Medical Savings Account and an unlimited Above Threshold Benefit for your day-to-day healthcare needs

Maternity

Cover for comprehensive pre- and postnatal healthcare services for maternity and early childhood

Classic Saver

Economical in-hospital and day-to-day benefits

Hospital

Unlimited private hospital cover

Specialist

Guaranteed full cover in hospital for specialists on a payment arrangement, and up to 200% of the DHR for other healthcare professionals

Chronic

Full cover option for chronic medicine for all Chronic Disease List conditions

Medical Savings Account

A Medical Savings Account for your day-to-day healthcare needs

Maternity

Cover for comprehensive pre- and postnatal healthcare services for maternity and early childhood

Classic Delta Saver

Economical in-hospital and day-to-day benefits

Hospital

Unlimited private hospital cover in our Delta network of hospitals

Specialist

Guaranteed full cover in hospital for specialists on a payment arrangement, and up to 200% of the DHR for other healthcare professionals

Chronic

Full cover option for chronic medicine for all Chronic Disease List conditions

Medical Savings Account

A Medical Savings Account for your day-to-day healthcare needs

Maternity

Cover for comprehensive pre- and postnatal healthcare services for maternity and early childhood

Essential Saver

Economical in-hospital and day-to-day benefits

Hospital

Unlimited private hospital cover

Specialist

Guaranteed full cover in hospital for specialists on a payment arrangement, and up to 100% of the DHR for other healthcare professionals

Chronic

Full cover option for chronic medicine for all Chronic Disease List conditions

Medical Savings Account

A Medical Savings Account for your day-to-day healthcare needs

Maternity

Cover for comprehensive pre- and postnatal healthcare services for maternity and early childhood

Essential Delta Saver

Economical in-hospital and day-to-day benefits

Hospital

Unlimited private hospital cover in our Delta network of hospitals

Specialist

Guaranteed full cover in hospital for specialists on a payment arrangement, and up to 100% of the DHR for other healthcare professionals

Chronic

Full cover option for chronic medicine for all Chronic Disease List conditions

Medical Savings Account

A Medical Savings Account for your day-to-day healthcare needs

Maternity

Cover for comprehensive pre- and postnatal healthcare services for maternity and early childhood

Coastal Saver

Economical in-hospital and day-to-day benefits

Hospital

Unlimited private hospital cover at any hospital in the four coastal provinces

Specialist

Guaranteed full cover in hospital for specialists on a payment arrangement, and up to 100% of the DHR for other healthcare professionals

Chronic

Full cover option for chronic medicine for all Chronic Disease List conditions

Medical Savings Account

A Medical Savings Account for your day-to-day healthcare needs

Maternity

Cover for comprehensive pre- and postnatal healthcare services for maternity and early childhood

Classic Smart

Economical in-hospital benefits and intuitive day-to-day cover

Hospital

Unlimited hospital cover in the Smart Hospital Network

Specialist

Guaranteed full cover in hospital for specialists on a payment arrangement, and up to 200% of the DHR for other healthcare professionals

Chronic

Full cover option for chronic medicine on our medicine list for all Chronic Disease List conditions when you use MedXpress, Clicks or Dis-Chem

Medical Savings Account

Day-to-day cover for GP consultations, acute medicine, cover for over-the-counter (OTC) medicine, one eye and one dental check–up with fixed co-payments and/or limits.

Maternity

Cover for comprehensive pre- and postnatal healthcare services for maternity and early childhood

Essential Smart

Economical in-hospital benefits and intuitive day-to-day cover

Hospital

Unlimited hospital cover in the Smart Hospital Network

Specialist

Guaranteed full cover in hospital for specialists on a payment arrangement, and up to 100% of the DHR for other healthcare professionals

Chronic

Full cover option for chronic medicine on our medicine list for all Chronic Disease List conditions when you use MedXpress, Clicks or Dis-Chem

Medical Savings Account

Day-to-day cover for GP consultations, acute medicine, cover for over-the-counter (OTC) medicine, one eye and one dental check–up with fixed co-payments and/or limits.

Maternity

Cover for comprehensive pre- and postnatal healthcare services for maternity and early childhood

Classic Core

Value-for-money hospital plan

Hospital

Unlimited private hospital cover

Specialist

Guaranteed full cover in hospital for specialists on a payment arrangement, and up to 200% of the DHR for other healthcare professionals

Chronic

Full cover option for chronic medicine for all Chronic Disease List conditions when using MedXpress

Medical Savings Account

NO

Maternity

Cover for comprehensive pre- and postnatal healthcare services for maternity and early childhood

Classic Delta Core

Value-for-money hospital plan

Hospital

Unlimited private hospital cover in our Delta network of hospitals

Specialist

Guaranteed full cover in hospital for specialists on a payment arrangement, and up to 200% of the DHR for other healthcare professionals

Chronic

Full cover option for chronic medicine for all Chronic Disease List conditions when using MedXpress

Medical Savings Account

NO

Maternity

Cover for comprehensive pre- and postnatal healthcare services for maternity and early childhood

Essential Core

Value-for-money hospital plan

Hospital

Unlimited private hospital cover

Specialist

Guaranteed full cover in hospital for specialists on a payment arrangement, and up to 100% of the DHR for other healthcare professionals

Chronic

Full cover option for chronic medicine for all Chronic Disease List conditions when using MedXpress

Medical Savings Account

NO

Maternity

Cover for comprehensive pre- and postnatal healthcare services for maternity and early childhood

Essential Delta Core

Value-for-money hospital plan

Hospital

Unlimited hospital cover in the Delta Hospital Network

Specialist

Guaranteed full cover in hospital for specialists on a payment arrangement, and up to 100% of the DHR for other healthcare professionals

Chronic

Full cover option for chronic medicine for all Chronic Disease List conditions when using MedXpress

Medical Savings Account

NO

Maternity

Cover for comprehensive pre- and postnatal healthcare services for maternity and early childhood

Coastal Core

Value-for-money hospital plan

Hospital

Unlimited private hospital cover at any hospital in the four coastal provinces

Specialist

Guaranteed full cover in hospital for specialists on a payment arrangement, and up to 100% of the DHR for other healthcare professionals

Chronic

Full cover option for chronic medicine for all Chronic Disease List conditions when using MedXpress

Medical Savings Account

NO

Maternity

Cover for comprehensive pre- and postnatal healthcare services for maternity and early childhood

Classic Priority

Cost-effective in-hospital and day-to-day benefits

Hospital

Unlimited private hospital cover

Specialist

Guaranteed full cover in hospital for specialists on a payment arrangement, and up to 200% of the DHR for other healthcare professionals

Chronic

Full cover option for chronic medicine for all Chronic Disease List conditions

Medical Savings Account

A Medical Savings Account and limited Above Threshold Benefit for your day-to-day healthcare needs

Maternity

Cover for comprehensive pre- and postnatal healthcare services for maternity and early childhood

Essential Priority

Cost-effective in-hospital and day-to-day benefits

Hospital

Unlimited private hospital cover

Specialist

Guaranteed full cover in hospital for specialists on a payment arrangement, and up to 100% of the DHR for other healthcare professionals

Chronic

Full cover option for chronic medicine for all Chronic Disease List conditions

Medical Savings Account

A Medical Savings Account and limited Above Threshold Benefit for your day-to-day healthcare needs

Maternity

Cover for comprehensive pre- and postnatal healthcare services for maternity and early childhood

KeyCare Plus

Affordable medical aid cover

Hospital

Unlimited hospital cover in the KeyCare Hospital Network

Specialist

Guaranteed full cover in hospital for specialists on the KeyCare network, and up to 100% of the DHR for other healthcare professionals

Chronic

Essential cover for chronic medicine on the KeyCare medicine list for all Chronic Disease List conditions

Medical Savings Account

Unlimited cover for medically appropriate GP consultations, blood tests, X-rays or medicine in our KeyCare Network

Maternity

Cover for comprehensive pre- and postnatal healthcare services for maternity and early childhood

Keycare Access

Affordable medical aid cover

Hospital

Unlimited cover for emergencies and trauma in the KeyCare network of private hospitals. Childbirth and care for your newborn covered in the KeyCare Access network. Other conditions are covered in a contracted network of state facilities

Specialist

Guaranteed full cover in hospital for specialists on the KeyCare network, and up to 100% of the DHR for other healthcare professionals

Chronic

Essential cover for chronic medicine on the KeyCare medicine list for all Chronic Disease List conditions

Medical Savings Account

Unlimited cover for medically appropriate GP consultations, blood tests, X-rays or medicine in our KeyCare Network

Maternity

Cover for comprehensive pre- and postnatal healthcare services for maternity and early childhood

KeyCare Core

Affordable medical aid cover

Hospital

Unlimited hospital cover in the KeyCare Hospital Network

Specialist

Guaranteed full cover in hospital for specialists on the KeyCare network, and up to 100% of the DHR for other healthcare professionals

Chronic

Essential cover for chronic medicine on the KeyCare medicine list for all Chronic Disease List conditions

Medical Savings Account

NO

Maternity

Cover for comprehensive pre- and postnatal healthcare services for maternity and early childhood