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Overall, Discovery Health Gap Comprehensive is a trustworthy short-term insurance product designed to provide extra protection for those who already have medical aid. The Discovery Health Gap Comprehensive Plan start from R226 ZAR. Discovery Health has a trust score of 4.8.
π Provider | π₯ Discovery Health Gap Comprehensive |
π₯ Years in Operation | 31 years |
π§ Underwriters | Discovery Insure Ltd |
π¨ Market Share in South Africa | >56% |
π© Gap Cover Waiting Period | 12 months |
π¦ Do Exclusions Apply | β Yes |
πͺ Average Monthly Premium | R226 |
π₯ Oncology Benefit | β Yes |
π§ In-Hospital Benefit | β Yes |
π¨ Out-of-Hospital Cover | β Yes |
The Discovery Health Gap Comprehensive is one of two plans that starts from R226 per month. Discovery Healthβs Gap Comprehensive benefits travel, oncology, scopes and scans, hospital admission, out-of-hospital services, procedures, and treatment.
Gap Cover is available on all Discovery Health plans, along with 24/7 medical emergency assistance.
Discovery Health Gap Cover has two Gap cover options:
π₯ Discovery Plan | π§ Discovery Executive and Classic Plans | π¨ Discovery Executive and Classic Plans | π© Discovery Essential Plans | π¦ Discovery Essential Plans | πͺ Discovery Coastal Plans | π« Discovery Coastal Plans |
Age of oldest member on the plan | Single Member | Family | Single Member | Family | Single Member | Family |
0 β 54 | R226 | R382 | R388 | R681 | R426 | R973 |
55 β 64 | R382 | R583 | R710 | R1,486 | R780 | R1,486 |
65+ | R490 | R809 | R943 | R1,954 | R1,036 | R1,954 |
In-Hospital Specialist Gap Cover
Hospital Admission Benefit Extender
Oncology
Provides up to R100,000 per person per year to cover gaps in coverage for approved cancer-related claims after the participantβs health insurance planβs oncology threshold has been met.
In-Hospital Specialist Gap Cover
Cover includes cover for dental specialist claims under the hospital benefit of up to 500%.
Hospital Admission Benefit Extender
Additional Benefit Extenders – Oncology Benefit Extender
Additional Benefit Extenders – Travel Benefit Extender
Additional Benefit Extenders – Scopes and Scans Benefit Extender
The annual maximum cover for all individuals is set at R185,000. However, the additional coverage you can receive is determined based on factors such as your family size, your Discovery Vitality Health status, and your specific type of health plan.
π₯ Plan | π₯ Family Structure | π§ None / Blue | π¨ Bronze | π© Silver | π¦ Gold | πͺ Diamond |
π§ MSA Plans | π§ Single Member | R3,750 | R4,685 | R5,625 | R6,565 | R7,500 |
π¨ MSA Plans | π¨ Family | R7,500 | R9,375 | R11,250 | R13,125 | R15,000 |
π© Non-MSA Plans | π© Single Member | R1,875 | R2,345 | R2,815 | R3,280 | R3,750 |
π¦ Non-MSA Plans | π¦ Family | R3,750 | R4,685 | R5,625 | R6,565 | R7,500 |
Read more about the Best Medical Aids for already pregnant women
Claims that were not processed, approved, or covered by the medical scheme for any reason – will be excluded.
Discovery Health applies waiting periods and exclusions to certain healthcare services starting from the policy start date and includes the following:
If a policyholder downgrades their health plan, a 12-month condition-specific waiting period may apply to any new conditions after completing a health questionnaire.
π Provider | π₯ Discovery Health Gap Comprehensive | π₯ Total Risk Administrators Absolute Cover Plus | π₯ Netcare GapCare500+ |
π₯ Years in Operation | 31 years | 24 years | 27 years |
π§ Underwriters | Discovery Insure Ltd | Auto & General Insurance Company Limited | The Hollard Insurance Company Limited |
π¨ Market Share in South Africa | >56% | <5% | <5% |
π© Gap Cover Waiting Period | 12 months | 3 β 12 months | 3 β 12 months |
π¦ Do Exclusions Apply | β Yes | β Yes | β Yes |
πͺ Average Monthly Premium | R226 | R535 | R335 |
π₯ Oncology Benefit | β Yes | β Yes | β Yes |
π§ In-Hospital Benefit | β Yes | β Yes | β Yes |
π¨ Out-of-Hospital Cover | β Yes | β Yes | β Yes |
π© Maternity Benefit | β Yes | β Yes | β Yes |
π¦ Scopes and Scans | β Yes | β Yes | β Yes |
πͺ Co-payment Cover | β Yes | β Yes | β Yes |
π₯ Emergency Room | None | β Yes | β Yes |
π§ Accidental Cover | None | None | β Yes |
π¨ Trauma Counseling | None | β Yes | β Yes |
π© Premium Waiver | None | β Yes | β Yes |
π¦ Non-DSP Co-Payment | None | β Yes | β Yes |
πͺ Prostheses | None | β Yes | β Yes |
π₯ Travel Cover Extender | β Yes | β Yes | None |
π§ Accidental Death/ Permanent Disability | β Yes | β Yes | β Yes |
In our experience, Discovery Health Gap Comprehensive provides a higher cover level than the Gap Plan.Β It offers extensive benefits and cover options for healthcare services. However, our research shows that there are exclusions and limitations.
Therefore, we urge South Africans to thoroughly review the policy details and consult with a representative to understand the full extent of coverage and any potential exclusions.
Sharpen your knowledge with a better understanding of Affordable Medical Aids in S A
The Discovery Health Gap Comprehensive plan offers extensive cover options for healthcare services, providing additional benefits beyond what is covered by your primary medical scheme.
Yes, there may be exclusions depending on the specific terms and conditions of the plan. Therefore, it is important to review the policy details to understand any limitations or exclusions that may apply.
Waiting periods for the Gap Comprehensive plan vary depending on the specific treatments and services. However, they range from 3 to 12 months.
You can claim for pre-existing medical conditions with Discovery Health Gap Comprehensive.Β However, there are waiting periods associated with pre-existing conditions if they existed during policy application or upgrade.
It is best to review the plan documentation or consult with a representative from Discovery Health to understand the specific cover options, benefits, and any limitations or exclusions that apply to the Gap Comprehensive plan.
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