Discovery: Comprehensive plans

Discovery Comprehensive plans

To view the full benefits and prices of the Discovery comprehensive plans, click below.

Get a free #2020PlanCheck to see how you can save money and/or improve your benefits.

What is a comprehensive plan?

A comprehensive plan is a plan that has extended benefits, and is at the top range of all medical aid plans. It will be the most expensive plan offered by a scheme, and will often come with an Above Threshold Benefit. Therefore, there might also be a self payment gap in addition to your monthly premium.

You can expect to get good cover for out of hospital expenses on a comprehensive plan, and top cover for oncology and other severe illnesses.

Differences between the plans, in brief

Classic plans pay a 200% scheme rate and have some higher benefit limits than the Essential plans which pay at 100% scheme rate for specialists. (You might want to read our article, Is paying more for a 200% scheme rate worth it? )

Delta plans are identical to the non-Delta plans, except that you are limited to network hospitals. You can view the network hospital here.

The Executive and Comprehensive series are the top range Discovery plans. They have excellent benefits both in and out of hospital. There is a savings account for daily expenses. Once that runs out, you have a substantial self payment gap which you need to pay out of pocket. Once that self payment gap has been paid by you, Discovery will once again cover your out of hospital bills, from the Above Threshold benefit. In theory this is an unlimited benefit, but in practice there are limits which you should carefully consider for your individual situation. Our brokers can help you do that, for free.

The Priority series has lower benefits than the fully Comprehensive series, and there are co-payments to consider. Similarly to the above plans, there is a savings account and a self payment gap, as well as an Above Threshold Benefit. However, this Above Threshold Benefit has a limit. Once that limit is reached, you are back to paying out of pocket for day to day expenses. Also look out for how MRI/CT scans are covered, and the co-payments. You can view the full benefits for Classic Priority and Essential Priority.

The Smart Comprehensive plan is a new plan for Discovery for 2020, and is meant to replace the old Comprehensive Zero MSA plan. The plan offers no savings account, but once you have paid a certain amount for out of hospital expenses from pocket, you will get a Limited Above Threshold benefit, where Discovery will cover the claims.

2020 Plancheck

Pricing:

Discovery Executive 2019

Executive :
Year Main Adult Child Savings? Fund? Threshold? Hospitals
Executive
Discovery
2019: R 6,541 pm R 6,541 R 1,248 Yes No Unlimited Unlimited Get a free PlanCheck of this plan
2020: R 7,257 pm R 7,257 R 1,385 Yes No Unlimited Unlimited
About: Offers comprehensive cover for most out-of-hospital benefits (with sub limits). There is a self payment gap. View full benefits. (Only available for income level: All income levels)

Is this your plan? Get a free PlanCheck to see how you can save money and/or improve your benefits. We will also suggest 3 other plans, compared side-by-side. Free, straight into your inbox.

Considering this plan? Let us quote you, and suggest 3 other similar plans compared side by side
.

Discovery Comprehensive Series

Classic Comprehensive :
Year Main Adult Child Savings? Fund? Threshold? Hospitals
Classic Comprehensive
Discovery
2019: R 5,368 pm R 5,077 R 1070 Yes No Unlimited Unlimited Get a free PlanCheck of this plan
2020: R 5,954 pm R 5,633 R 1188 Yes No Unlimited Unlimited
About: Offers comprehensive cover for most out-of-hospital benefits (with sub limits). Thereis a self payment gap. View full benefits. (Only available for income level: All income levels)

Is this your plan? Get a free PlanCheck to see how you can save money and/or improve your benefits. We will also suggest 3 other plans, compared side-by-side. Free, straight into your inbox.

Considering this plan? Let us quote you, and suggest 3 other similar plans compared side by side
.
Classic Delta Comprehensive :
Year Main Adult Child Savings? Fund? Threshold? Hospitals
Classic Delta Comprehensive
Discovery
2019: R 4,834 pm R 4,577 R 962 Yes No Unlimited Network Get a free PlanCheck of this plan
2020: R 5,362 pm R 5,077 R 1,069 Yes No Unlimited Network
About: Offers comprehensive cover for most out-of-hospital benefits (with sub limits). There is a self payment gap. View full benefits. (Only available for income level: All income levels)

Is this your plan? Get a free PlanCheck to see how you can save money and/or improve your benefits. We will also suggest 3 other plans, compared side-by-side. Free, straight into your inbox.

Considering this plan? Let us quote you, and suggest 3 other similar plans compared side by side
.
Classic Comprehensive Zero MSA :
Year Main Adult Child Savings? Fund? Threshold? Hospitals
Classic Comprehensive Zero MSA
Discovery
2019: R 4,026 pm R 3,808 R 803 No No Unlimited Unlimited Get a free PlanCheck of this plan
2020: R pm R R
About: Offers comprehensive cover for most out-of-hospital benefits (with sub limits). There is a self payment gap. View full benefits. (Only available for income level: All income levels)

Is this your plan? Get a free PlanCheck to see how you can save money and/or improve your benefits. We will also suggest 3 other plans, compared side-by-side. Free, straight into your inbox.

Considering this plan? Let us quote you, and suggest 3 other similar plans compared side by side
.
Essential Comprehensive :
Year Main Adult Child Savings? Fund? Threshold? Hospitals
Essential Comprehensive
Discovery
2019: R 4,509 pm R 4,265 R 908 Yes No Unlimited Unlimited Get a free PlanCheck of this plan
2020: R 5,003 pm R 4,731 R 1,008 Yes No Unlimited Unlimited
About: Offers comprehensive cover for most out-of-hospital benefits (with sub limits). There is a self payment gap. View full benefits. (Only available for income level: All income levels)

Is this your plan? Get a free PlanCheck to see how you can save money and/or improve your benefits. We will also suggest 3 other plans, compared side-by-side. Free, straight into your inbox.

Considering this plan? Let us quote you, and suggest 3 other similar plans compared side by side
.
Essential Delta Comprehensive :
Year Main Adult Child Savings? Fund? Threshold? Hospitals
Essential Delta Comprehensive
Discovery
2019: R 4,062 pm R 3,837 R 815 Yes No Unlimited Network Get a free PlanCheck of this plan
2020: R 4,507 pm R 4,257 R 904 Yes No Unlimited Network
About: Offers comprehensive cover for most out-of-hospital benefits (with sub limits). There is a self payment gap. View full benefits. (Only available for income level: All income levels)

Is this your plan? Get a free PlanCheck to see how you can save money and/or improve your benefits. We will also suggest 3 other plans, compared side-by-side. Free, straight into your inbox.

Considering this plan? Let us quote you, and suggest 3 other similar plans compared side by side
.

Discovery Priority Series 2019

Classic Priority :
Year Main Adult Child Savings? Fund? Threshold? Hospitals
Classic Priority
Discovery
2019: R 3,501 pm R 2,761 R 1,401 Yes No Limited Unlimited Get a free PlanCheck of this plan
2020: R 3,814 pm R 3,008 R 1,526 Yes No Limited Unlimited
About: Offers comprehensive cover for most out-of-hospital benefits (with sub limits) with limited above threshold benefit. View full benefits. (Only available for income level: All income levels)

Is this your plan? Get a free PlanCheck to see how you can save money and/or improve your benefits. We will also suggest 3 other plans, compared side-by-side. Free, straight into your inbox.

Considering this plan? Let us quote you, and suggest 3 other similar plans compared side by side
.
Essential Priority :
Year Main Adult Child Savings? Fund? Threshold? Hospitals
Essential Priority
Discovery
2019: R 3,010 pm R 2,365 R 1,202 Yes No Limited Unlimited Get a free PlanCheck of this plan
2020: R 3,278 pm R 2,577 R 1,310 Yes No Limited Unlimited
About: Offers comprehensive cover for most out-of-hospital benefits (with sub limits) with limited above threshold benefit. View full benefits. (Only available for income level: All income levels)

Is this your plan? Get a free PlanCheck to see how you can save money and/or improve your benefits. We will also suggest 3 other plans, compared side-by-side. Free, straight into your inbox.

Considering this plan? Let us quote you, and suggest 3 other similar plans compared side by side
.

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