Benefits, dentistry, Discovery Plan, optometry, Scheme Plans, wellness

Discovery Classic Saver Delta: dentistry, optometry and wellness (2027)

January 6, 2026

This page has information on: Costs, Dentistry, Optometry, Wellness and Preventative and Other benefits for Discovery Classic Delta Saver

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Terminology:

PMBs: Prescribed Minimum Benefits. You can read more about PMBs, see a list of all PMB conditions or read more what "PMB only" benefit means.
DSPs: Designated Service Providers. Where stipulated, you must use specific providers to get full benefit.
Co-payment: Paid out of pocket, or out of savings account. Sometimes this is refundable to you if you have a gap product.
All schemes have extensive exclusions. We've tried to list the non-common ones here, but please consult your scheme or broker to get the full list.

Monthly Costs

Discovery:Classic Delta Saver (2027)
	Main member:	Adult member:	Child member:
Total Cost pm:	R4,182	R3,306	R1,680
Savings:	R10,032	R7,932	R4,032
Children Rates:	Under 21yrs Only pay for 3 children

Discovery:Classic Delta Saver (2026)
	Main member:	Adult member:	Child member:
Total Cost pm:	R3,875	R3,062	R1,556
Savings:	R8,688	R6,864	R3,492
Children Rates:	Under 21yrs Only pay for 3 children

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Dentistry benefits (2027):

Discovery: Classic Delta Saver

Assume scheme pays all these costs, unless otherwise stated

	Main Member:	Adult:	Child:
Savings:	R8,688	R6,864	R3,492
Other Day-to-Day Funds:	Scheme awards you with money if you complete personalised health and lifestyle actions You need to activate the benefit on the app, and fulfill the personalised pathways These can be things like: get a mammogram, complete a dental checkup etc Personal Health Fund: up to R2,500 per adult and R1,250 for child. Maximum R10,000 per family Personal Health Fund Boost: up to an additional R1,250 per adult, per completed challenge. Maximum two challenges per adult, and R10,000 per family. Challenges take 5-10 weeks to complete, and are meant to build habits The fund money can be used for most out-of-hospital claims

From day-to-day benefit

Orthognathic surgery, dental appliances and their placements: from day-to-day benefit

Gap Cover:
Can cover most co-payments and increase sublimits
(Plans coming soon)

For severe dental and oral surgery, a defined list of procedures is included, with no upfront payment and no overall limit
Dental Trauma Benefit: paid for sudden and unanticipated injury to teeth and mouth that requires urgent dental treatment after an accident or trauma injury. R73,550 per person, paid by scheme
Otherwise,
- <13yrs: R3,600 co-payment for admission to hospital, or R1,610 co-payment for admission to a day clinic
- 13yrs+: R9,300 co-payment for admission to hospital, or R5,970 co-payment for admission to day clinic

Gap Cover:
Can cover most co-payments and increase sublimits
(Plans coming soon)

See above

Optometry benefits (2027):

Discovery: Classic Delta Saver

Assume scheme pays all these costs, unless otherwise stated

	Main Member:	Adult:	Child:
Savings:	R8,688	R6,864	R3,492
Other Day-to-Day Funds:	Scheme awards you with money if you complete personalised health and lifestyle actions You need to activate the benefit on the app, and fulfill the personalised pathways These can be things like: get a mammogram, complete a dental checkup etc Personal Health Fund: up to R2,500 per adult and R1,250 for child. Maximum R10,000 per family Personal Health Fund Boost: up to an additional R1,250 per adult, per completed challenge. Maximum two challenges per adult, and R10,000 per family. Challenges take 5-10 weeks to complete, and are meant to build habits The fund money can be used for most out-of-hospital claims

From day-to-day benefit
20% discount on frames and lenses at a network optometrist

This section does not apply to ophthalmology benefits, which fall under "in-hospital" benefits. Some of those are PMBs, and are paid for in full by your scheme. You can read more about PMBs here.

Wellness/Preventative benefits (2027):

Discovery: Classic Delta Saver
Assume scheme pays all these costs, unless otherwise stated
Flu vaccination:	Covered, for 65yrs+ Also, during pregnancy and some chronic conditions
Pneumonia vaccines:	Every five years, or once per lifetime for persons over the age of 65
Biometric Screening:	Covered
Child Immunisation:	Not covered
Pap Smear:	Covered, every three years
Mammogram:	Covered, every two years If you qualify, you can get Breast MRI and once-off BRCA test for breast screening
PAS Test:	Covered
HIV Test:	Covered
Other:	Kids' assessment, including height, weight, head circumference and health and milestone tracking Bowel cancer screening, every two years for 45-75yrs
View other benefits for this plan: In-hospital \| Out-of-hospital \| Medication \| Maternity \| Cancer \| Mental Health \| Dentistry \| Optometry \| Other/Extra Benefits \| Wellness \| Prosthetics You can also: Compare any two plans, side by side \| View all the Discovery plans, with costs and brief summary. Find all other open medical aid plans here.

Other benefits for 2027:

Classic Delta Saver
International Insurance:	Up to R5 million per person for emergency costs while travelling outside South Africa, for a period of 90 days. Excludes pre-existing conditions. You pay upfront, and claim back Emergency medical evacuations from certain sub-Saharan African countries back to South Africa, paid by scheme. Excludes pre-existing conditions
Other:	.

More benefits for this plan >>

Important!

Unless specified, assume that all benefits are paid at 100% scheme rate.
No limits or co-payments can apply to treatment of PMBs, which is always unlimited, although subject to strict protocols and scheme rules.
"Unlimited" benefits are still subject to authorisation, protocols and sublimits.
Assume that all benefits need to be pre-authorised.