Comparing The Discovery Health Products

Comparing The Discovery Health Products

We all should know the importance of having medical aid in South Africa, especially with the unaffordable medical services of our country. When it comes to choosing a medical aid scheme then it is very important that you choose with caution. There are many medical aid companies in South Africa, some of them which are very good, and some of them which are very bad. In this article will we take a closer look at what Discovery has to offer us, the South African citizens.

A few facts on Discovery:

Discovery Health is without a doubt the biggest medical scheme in South Africa. They are in fact very stable when it comes to their financial status and they are popular for their efficient services which they provide to their clients. The company offers South Africa a choice between 17 medical aid options, where all of them offer unlimited hospital cover. Discovery also has the Vitality loyalty program attached to their schemes. This allows you to get discounted gym memberships, discounted travel and movie tickets and many more benefits. Discovery truly has a wide and solid product range to choose from. Compare and do some research, they will surely have something to suite your budget and personal needs.

Discovery KeyCare Access 2013

Membership Size Not stated
Scheme Solvency 23.5%
Plan Type Capitated
Hospital Benefits:
Hospital Limit: Unlimited
Account Paid At: You will receive full cover with specialist who has a payment agreement with Discovery.
Hospital Choice: You will be covered in a contracted network hospital if it is an emergency, childbirth, trauma and caring for babies under the age of 12 years old. Otherwise you will be admitted and covered in a State hospital.
Chronic Medicine Benefits:
Number of conditions covered: No stated benefit
Day to day benefits: You should know that this is a capitated scheme and your day to day benefits are limited. Refer to the list of treatment protocols and medicines.
Base Rate R600/month for an adult and R215 for a child.
Covered for high cost specialists? No stated benefit

Discovery KeyCare Core 2013

Membership Size 15 423
Scheme Solvency 23.5%
Plan type Capitated
Hospital Benefits:
Hospital Limit: Unlimited
Account Paid At: You will receive full cover with specialist who has a payment agreement with Discovery.
Hospital Choice: You will be covered in a contracted network hospital if it is an emergency, childbirth, trauma and caring for babies under the age of 12 years old. Otherwise you will be admitted and covered in a State hospital.
Chronic Medicine Benefits:
Number of conditions covered: 26
Covered for high cost specialists? No stated benefit
Day to day benefits: You should know that this is a capitated scheme and your day to day benefits are limited. Refer to the list of treatment protocols and medicines.
Base Rate R511/month for an adult and R129 for a child.

Discovery KeyCare Plus 2013

Membership Size 18 7279
Scheme Solvency 23.5%
Plan type Capitated
Hospital Benefits:
Hospital Limit: Unlimited
Account Paid At: You will receive full cover with specialist who has a payment agreement with Discovery.
Hospital Choice: You will be covered in a contracted network hospital if it is an emergency, childbirth, trauma and caring for babies under the age of 12 years old. Otherwise you will be admitted and covered in a State hospital.
Chronic Medicine Benefits:
Number of conditions covered: 26
Covered for high cost specialists? No stated benefit
Day to day benefits: You should know that this is a capitated scheme and your day to day benefits are limited. Refer to the list of treatment protocols and medicines.
Base Rate R638/month for an adult and R129 for a child.

Discovery Essential Delta Core 2013

Membership Size 18 7279
Scheme Solvency 23.5%
Plan type Capitated
Hospital Benefits:
Hospital Limit: Unlimited
Account Paid At: You will receive full cover with specialist who has a payment agreement with Discovery.
Hospital Choice: You will only be covered by their list of contracted hospitals.
Standard Co-payment: Yes, you will have to pay R5000 for a planned stay at a hospital.
Chronic Medicine Benefits:
Number of conditions covered: 26
Covered for high cost specialists? No stated benefit
Day to day benefits: This plan does not provide cover for ay out of hospital treatments.
Base Rate R695/month for an adult and R372 for a child.

Discovery Coastal Core 2013

Membership Size 70 459
Scheme Solvency 23.5%
Plan type Only Hospital Cover
Hospital Benefits:
Hospital Limit: Unlimited
Account Paid At: You will receive full cover with specialist who has a payment agreement with Discovery.
Hospital Choice: Yes, you will have to pay 30% for a stay at a hospital which is not on their list of network hospitals.
Standard Co-payment: Yes, you will have to pay R5000 for a planned stay at a hospital.
Chronic Medicine Benefits: This is only a hospital plan, and out of hospital care would not be covered for
Number of conditions covered: 26
Covered for high cost specialists? No stated benefit
Day to day benefits: This plan does not provide cover for ay out of hospital treatments.
Base Rate R748/month for an adult and R398 for a child.

Discovery Essential Delta Saver 2013

Membership Size Not Stated
Scheme Solvency 23.5%
Plan type General Cover Plan
Hospital Benefits:
Hospital Limit: Unlimited
Account Paid At: You will receive full cover with specialist who has a payment agreement with Discovery.
Hospital Choice: You will only be covered by their list of contracted hospitals.
Standard Co-payment: Yes, you will have to pay R5000 for a planned stay at a hospital.
Chronic Medicine Benefits: Yes
Number of conditions covered: 26
Covered for high cost specialists? No stated benefit
Day to day benefits: This product gives you R2 067 per year for out of hospital expenses. These funds will be kept in a savings account, if you do not make use of the money in a year, then it will roll over to the next year. If your savings money is finished, then you can get up to two additional GP consultations.
Base Rate R864/month for an adult and R460 for a child.

Discovery Essential Delta Comprehensive 2013

Membership Size Not Stated
Scheme Solvency 23.5%
Plan type Comprehensive cover
Hospital Benefits:
Hospital Limit: Unlimited
Account Paid At: You will receive full cover with specialist who has a payment agreement with Discovery.
Hospital Choice: You will only be covered by their list of contracted hospitals.
Standard Co-payment: Yes, you will have to pay R5000 for a planned stay at a hospital.
Chronic Medicine Benefits: Yes
Number of conditions covered: 57
Covered for high cost specialists? Yes – Stand alone benefits.
Day to day benefits: This product gives you R4 200 per year for out of hospital expenses. These funds will be kept in a savings account, if you do not make use of the money in a year, then it will roll over to the next year. There are also some additional benefits for you if your savings are depleted.
Base Rate R2 207/month for an adult and R467 for a child.

Discovery Executive Plan 2013

Membership Size 11 810
Scheme Solvency 23.5%
Plan type Comprehensive cover
Hospital Benefits:
Hospital Limit: Unlimited
Account Paid At: You will receive full cover with specialist who has a payment agreement with Discovery.
Hospital Choice: You can choose any hospital.
Standard Co-payment: No
Chronic Medicine Benefits: Yes
Number of conditions covered: 57
Covered for high cost specialists? Yes – Stand alone benefits.
Day to day benefits: This product gives you R11 292 per year for out of hospital expenses. These funds will be kept in a savings account, if you do not make use of the money in a year, then it will roll over to the next year. You will also receive unlimited access to GP’s. You will also be covered for day to day generic medicines.
Base Rate R3 764/month for an adult and R714 for a child.

The above mentioned information is only the most popular policies which Discovery has to offer their clients. They truly have something for everyone. Take a look at their products and get covered today to put your mind at ease, knowing that you can receive medical attention when the day comes.

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