What is the Compassionate Care Benefit?
The Compassionate Care benefit (otherwise known as CCB) is a benefit provided by Discovery to all their medical aid members with advanced illnesses that require palliative care.
Note that this benefit is aimed at non-cancer related illnesses. Palliative care for advanced cancer related conditions is provided by the Advanced Illness Benefit.
The CCB benefit provides palliative care in the comfort of the patients house, or in a hospice facility.
The care is provided by a multidisciplinary team, in partnership with the Hospice Palliative Care Association of South Africa. It can include, for example, a full time nurse to stay with the patient at their house.
What you get from the Compassionate Care Benefit:
- A dedicated care coordinator, who is a registered nurse, will support you and your family and will work closely with your GP and/or specialist to ensure you receive the best of care at all times.
- Members registered on the Compassionate Care Benefit and their family will have access to counselling services for support during this difficult time.
- Members registered on the AIB will have access to personalised home-based care services such as oxygen, pain management and home nursing, subject to authorisation and managed care criteria.
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How does Discovery pay for the benefits covered?
These costs will not affect your day-to-day benefits, and will be paid at the Discovery Health Rate from the Hospital Benefit. There is a limit to the benefit:
- Executive, Comprehensive, Priority, Saver, Smart and Core plans: R62,200 (2019)
- Keycare: R44,050 (2019)
This amount is per person in their lifetime, and might be increased if the illness falls into PMB criteria. Note that most end-of-life conditions are treated as PMBs.
Discovery will pay for healthcare services provided by any of the healthcare professionals represented in the palliative multidisciplinary team, according to a specific basket of care and the agreed individual member care plan.
How do I receive the benefit?
You need to be registered for the benefit by your doctor, who will fill out a form and submit it to Discovery.
Discovery will assess the application to see if you meet specific clinical criteria for entry into the program.
How different is this from Advanced Illness Benefit (CCB)?
The two benefits are very similar, except for two (major) differences:
- The Advanced Illness Benefit does not have a limit
- The Advanced Illness Benefit is specifically for advanced cancer conditions
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