Why Choose Discovery Health?
Introducing Discovery Health’s range of options
Discovery Health offers a range of options to meet the individual needs of our members. For detailed information, look at the benefit schedules in this brochure, visit www.discovery.co.za or speak to your financial adviser.
Unequalled financial security
The Discovery Health Medical Scheme enjoys an AA+ rating for its claims paying ability from independent rating agency, Global Credit Ratings – the only scheme in South Africa to have achieved the industry ceiling. The medical scheme has R7 billion in reserves, giving Discovery Health members complete peace of mind that sufficient funds are available to pay their claims.
A wide spectrum of plan options to meet different needs
We offer you a number of different plan options to cater for all individuals’ needs – from the high end of the market through the Executive Plan to the KeyCare Series, our plans for the low-income market.
Affordable contributions and sustainable contribution increases
The Discovery Health Plans are priced competitively to ensure long-term affordability and value for money. Discovery Health’s annual contribution increases are stable and our track record shows they are consistently lower than the industry average.
Extensive medical cover and support in South Africa, Africa and abroad
Most Discovery Health Plans provide cover for emergency medical evacuations in sub-Saharan Africa and for medical emergencies when travelling internationally. Discovery Health has invested in healthcare infrastructure that benefits all South Africans. The Discovery Medicopters, supported by ground staff, provide medical support and air evacuation in extreme critical cases. The emergency helicopters operate from Johannesburg, Cape Town and Durban.
Flexible, comprehensive cover for chronic conditions
All Discovery Health Plans offer full cover for approved medicines for a defined list of chronic conditions. The Executive and Comprehensive Plans cover additional conditions. All Discovery Health members have access to our HIVCare, Oncology and renal programmes.
The Medical Savings Account gives members control of their day-to-day medical spending
Medical Savings Accounts empower you to make informed choices about how much you spend on your day-to-day healthcare. Any unused funds get carried over to the next year – unlike traditional plans where unused cover is lost.
Unique benefits ensure you have access to the healthcare you need
The Screening and Prevention Benefit covers a range of preventive healthcare services to keep you healthy. The Trauma Recovery Extender Benefit covers out-of-hospital claims for your recovery after certain traumatic events.
We further extend your day-to-day cover if your Medical Savings Account runs out through the Insured Network Benefit. The benefit covers the full cost of your GP consultation fees if you go to a GP in the Discovery Health network (this benefit is available on all plans except the Core and KeyCare Series). If you are on an Executive, Comprehensive or Priority Plan, it also covers pathology at our network providers if your doctor requests the tests using the Discovery Health pathology form.
Guaranteed full cover options for medical specialists
Discovery Health’s scale and size has allowed us to enter into payment arrangements with specialist groups to ensure certainty of cover and higher levels of reimbursement for healthcare professionals. Over 87% of our members’ interactions with specialists happen within a payment arrangement, where members are guaranteed no out-of-pocket payments and specialists are paid directly.
Access to the latest treatments, medicines and technologies
Members on Discovery Health’s Executive and Comprehensive Plans have additional cover for certain innovative medical technologies and expensive medicines through the Specialised Medicine and Technology Benefit. You have access to the Overseas Treatment Benefit, where you may seek evidence-based treatment not available in South Africa at a registered healthcare professional.
For more information regarding your options, please download the Discovery Health 2011 Brochure