Discovery Health Hospital Plan
South Africans are lucky because the
constitution guarantee proper medical care for all when it is needed. The public health system reaches wide and far
indeed, but the problem is that the system is unable to cope with the needs of the entire nation. For reasons based upon limited capacity and resources, patients are not always able to undergo
procedures when they are needed and they have to wait for long periods to see a specialist. Luckily, the
private health system is sophisticated and most people opt for private health insurance. The Discovery Health Hospital Plan is just one of many that allow
citizens to choose private care and the level of care that they need.
What Does Discovery Offer In
The Line Of Hospital Plans?
A hospital plan is does not cover day-to-day
medical expenses but rather provide cover for those instances where hospitalization becomes necessary. Discovery
has launched the Core series which consist of six different hospital plans. It is important to keep in mind,
however, that a hospital plan does not cover out-of-hospital medical expenses. When the various options are
evaluated, it may be useful to keep the following issues in mind:
All the hospital plans in the Discovery Core series are based
upon a concept called the KeyCare Network. This is a network of hospitals and other medical service
providers that have entered into an agreement with the scheme to provide care and treatment at certain
fixed fees. Members are therefore required to use only service providers that are part of the KeyCare
All the hospital plans in this series cover hospital costs fully.
This includes surgery, treatments, the cost of specialists and medication.
Members have to obtain pre-approval from the scheme before being
admitted to hospital.
Most plans make provision for hospitalization of up to ninety
days or a sum of up to five millions rand for each member of the scheme, including dependents if an
emergency occur whilst traveling outside the country.
Members of the Classic Core and Essential Core plans are free to
choose any private hospital for treatment purposes but members of the Delta plans are restricted to
those hospitals within the Delta Network. It is therefore important to find out just which facilities
is part of this network.
The Coastal Core program is unique because members must make use
of one of the approved hospitals located in one of the four coastal provinces. Members that fail to
comply with this stipulation will have to pay approximately thirty percent of the final bill
All the plans make provision for medical cover during
emergencies. This includes emergency evacuation to the nearest treatment
All the plans in the Core series also cover certain investigation
procedures such as colonoscopies, X-rays and gastroscopies. In some cases, however, the member will
have to pay part of the bill.
How To decide Upon A Hospital
It is important to study the benefits of each plan in this series very carefully before making a
decision. In some cases it is possible to upgrade; ask Discovery about this option. Each person has individual
needs and it is important to choose health cover that is affordable. There can be no doubt that private health plan
insurance will ensure that the best possible care will be made available when it is most needed. Any
Discovery Health hospital plan will provide this peace of mind. © Medical Aid