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Choosing a Medical Aid in South Africa


 

  

  

Discovery Health Hospital Plans

A Discovery Health Hospital Plan lets you have private hospital care at the level you need.

Hospital plans are for hospital costs . This means you have the health care you need when you need it and you don’t have to rely on the public systems, which is over-stretched, meaning you have might not be able to get the help you need, or wait a long time before you get it.

Discovery Health Hospital PlansPeople often think not having health cover saves money, but health should be your priority as it is your most important asset and it is worth giving up luxuries to may sure you have it. It’s important to know what plans are on offer. Plans that look as if they offer a lot can be deceptive, for example

  • Some hospital plans offer health care outside of hospital, but this will mean an increase in the plan price or decrease hospital cover.
  • If you do have to go to hospital and have a non-Discovery plan, your plan may only cover the medical aid rate, and you will be left to pay costs that are often four times as much as the medical rate.
  • Some plans will not pay for the hospital treatment of pre-existing conditions.
  • Many plans will not pay for treatment of certain conditions within the first twelve months.
  • Emergency medical transport is included in some plans, but not others.
  • Many plans will only pay the cost of treatment if the member makes use of a pre-approved network of service providers, so you have little or no choice about the hospital or themedical specialist or you can use.

To get your hospital plan quote by email Click Here 

There are many hospital arrangements in the different Discovery Health Hospital Plans

If you choose a Core hospital plan, you will use the KeyCare Network, which is made up of hospitals and other medical service providers that provide care and treatment atfixed costs.

  • Core plans cover all hospital costs (surgery, treatments, the cost of specialists and medication). .
  • Most Core plans pay for up to ninety days in hospital, or up to five million rand for plan each member if there is an emergency while travelling outside South Africa (this includes dependents)
  • Core plans cover specific investigations such as colonoscopies, X-rays and gastroscopies. In some cases, however, you will have to pay part of the bill.

There are different conditions for different Discovery hospital plans.

  • If you have a Classic Core or Essential Core plan you can choose any private hospital for treatment, but if you have a Delta plan you will have to use in the Delta Network.
  • If you are on the Coastal Core programme you must use an approved hospital in one of the four coastal provinces. You will have to pay about thirty percent of the final bill yourself if you don’t use one of approved hospitals.

We are a large company with a top international financial rating, so you can be assured your, and your claims will be paid.

Not only this, because Discovery is a 
registered medical aid scheme rather than an insurance company, you will always know what is included in your plan, because the South Africa the Medical Schemes Act compels 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

To get your hospital plan quote by email Click Here