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Choosing a Medical Aid in South Africa


 

  

  

Discovery Health Hospital Plan Options

Discovery Health hospital plan options provide private care to the degree you need. Discovery Health hospital plans are primarily for medical facility costs.

This means that you have the healthcare you require when you need it and you do not have to count on the over-stretched public health system where you might not be able to get the help you need, or wait a very long time before you get it.

Discovery Health Hospital Plan OptionsPeople frequently believe that not having health cover saves cash. However, health must be your concern as it is your essential asset and it is worth giving up some luxuries to make certain you have it.

It's crucial to know what plans are on offer. Plans that look as if they provide a lot can be deceptive, for example:

  • Some hospital plans offer health care outside hospital, but this means either a higher monthly premium or a reduction in hospital cover.
  • If you do have to go to hospital and have a non-Discovery plan, your strategy may just cover the medical aid rate, and you will be left to pay expenses that are often 4 times as much as the clinical rate.
  • Some plans will not pay for the hospital treatment of pre-existing conditions.
  • Many plans will not pay for therapy of particular conditions within the first twelve months of membership.
  • Emergency clinical transport is included in some plans, but not others.
  • Many plans will only pay the cost of therapy if the member makes use of a pre-approved network of service providers, so you have little or no choice about the medical facility or the medical specialist you can make use of.

Click here to apply and learn more about Discovery Health hospital plan options

There are lots of different Discovery Health Hospital Plans.

  • If you select a Core hospital plan, you will use the KeyCare Network, which consists of healthcare facilities and other clinical company that supply care and therapy at fixed costs.
  • Core plans cover all hospital expenses (surgery, treatments, the expense of specialists and medicine).
  • Most Core plans pay for approximately ninety days in hospital, or approximately R5 million for each member if there is an emergency while taking a trip outdoors South Africa (this includes dependants).
  • Core plans cover particular investigations like scans or X-rays. In many cases, however, you will pay a partial fee.
  • There are various conditions for various Discovery healthcare facility plans.
  • If you have a Classic Core or Essential Core plan you can choose any personal healthcare facility for treatment, however if you have a Delta plan you will have to make use of the Delta Network.
  • If you are on the Coastal Core program you have to make use of an approved healthcare facility in among the 4 coastal provinces. You will need to pay about thirty percent of the last expense yourself if you do not use among accepted healthcare facilities.

Discovery is a giant medical aid with a leading worldwide financial rating, so you can rest assured that your claims will be paid.

Additionally, because Discovery is a registered medical scheme as opposed to an insurance business, the regulator for medical aids and the associated legislation oversees the medical scheme.

The South African Medical Schemes Act obliges all medical aid plans to include a long list of Prescribed Minimum Benefits (PMBs) for more than 300 medical conditions, including 27 chronic conditions. © Medical Aid Plan

Click here to apply and learn more about Discovery Health hospital plan options