Discovery Medical Aid

Discovery Health has entrenched itself as a major medical aid provider. It has the lion’s share of the market and is constantly monitoring its products to give members the safest and most efficient healthcare offerings. Discovery’s medical aid scheme income is fuelled by returns on investments and member contributions. This income is channelled into support systems beneficial to its members with 86% of the money utilised to cover the cost of claims. Realising that all people have different needs and different levels of income, Discovery’s medical aid packages have been streamlined to meet those demands. It offers a variety of medical aid plans, ranging from its Executive fully-comprehensive package to more modest levels of cover in its Saver Series that nevertheless maintain high standards of private healthcare.

Discovery Executive Plan

From R6 540 monthly, this is a top-of-the-range plan that covers both in-hospital and day-to-day needs, as well as extensive chronic medication cover with an unlimited Above Threshold Benefit. What you get • Unlimited private hospital and private ward cover • Full hospital cover for network specialists • Non-network specialists and healthcare professionals – up to 300% of the Discovery Health Rate • Chronic medication and conditions – full cover if specified on the Chronic Disease List • Additional cover – for chronic conditions such as cystic fibrosis, major depression, muscular dystrophy and osteoporosis, as well as access to a list of brand medicines • Cancer cover – limited to R400 000 annually with claims above this amount being subject to a 20% co-payment • Prescribed Minimum Benefit conditions are covered in full • Highest Medical Savings Account (MSA) • Unlimited Above Threshold Benefit for day-to-day healthcare needs

Discovery Priority Series

From R3 500 monthly, the Priority Series offers cost-effective cover for: • Essential chronic medicine • Day-to-day benefits with limited Above Threshold Benefits • Unlimited private hospital cover • Full hospital cover for network specialists • Up to 200% of the Discovery Health Rate on the Classic Plan and 100% on the Essential Plan for non-network healthcare professionals • Chronic medication – full cover for approved Chronic Disease List medicines • Cancer cover – limited to R200 000 annually with claims above this amount being subject to a 20% co-payment • A Medical Savings Account (MSA) • A limited Above Threshold Benefit for day-to-day healthcare needs

Discovery Saver Series

There are five plans in this series starting from R3 020 monthly. The Saver Series is the most cost-effective in-hospital medical plan, offering cover for essential chronic medicine and day-to-day benefits funded by a Medical Savings Account. What you get • Unlimited private hospital cover • Guaranteed full in-hospital cover when using network specialists • Up to 200% of the Discovery Health Rate on Classic Plans and 100% on Essential and Coastal Plans for non-network healthcare professionals • Full cover for approved chronic medicine for all conditions on the Chronic Disease List • Cancer cover – limited to R200 000 annually with claims above this amount being subject to a 20% co-payment • A Medical Savings Account (MSA) for daily healthcare needs • Comprehensive pre-and-post-natal healthcare • Medical emergency travel cover

Why choose Discovery medical aid?

Discovery Health has entrenched itself as South Africa’s leading medical scheme administrator. Its membership exceeds three million people. Innovative products and state-of-the-art technology have enabled Discovery to grab the lion’s share of the healthcare market. Taking those facts into consideration, it is easy to understand why most medical aid members have chosen Discovery health as their healthcare insurance provider. Discovery meets the full spectrum of their clients’ healthcare needs and their shared-value approach has helped to cut costs. Its continued efforts to develop unique products have seen the introduction of three models.

Discovery HealthID

Discovery HealthID is not only the country’s first but also the most comprehensive digital healthcare platform for doctors. Doctors are able to gain access to their patients’ health records electronically, using an iPad or a computer. This provides them with an overall view of medical history and test results. This innovation helps doctors to reduce any chances of serious medical mistakes or unnecessary tests. HealthID is currently being used by more than one million members and almost half of the Discovery network doctors.

Discovery MedXpress

Discovery MedXpress is a cost-effective service for ordering medication. Members who use MedXpress or a MedXpress partner pharmacy enjoy better rates for approved chronic medicine. All they have to do is to upload their prescriptions on the Discovery app or website.

Discovery HomeCare

Discovery HomeCare is a unique and highly sought-after home-based healthcare service for members who require high-quality nursing and/or care-worker support in the comfort of their own homes. Not only is the Discovery HomeCare offering much-needed by patients with special healthcare needs, it also assists in reducing costs related to hospital admissions.

Conclusion

From comprehensive medical aid packages to modest hospital plans, Discovery Health has a product to suit all needs. Visit their website today to obtain a quote and any further information you may need.

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NOTES:

Your medical aid quote will include options to suit your pocket. Please ensure that the cover you select is exactly what you need and that you understand exactly what insurance you are buying. Do not hesitate to ask questions about the medical aid or hospital cover you choose.