The KeyCare Start Regional plan focuses on providing basic healthcare coverage at an affordable price, with services and facilities within a specific geographic region.
The KeyCare Start Regional plan focuses on providing basic healthcare coverage at an affordable price, with services and facilities within a specific geographic region.
Tax Deductible:
Travel Cover:
KeyCare Start Regional
The KeyCare Start Regional plan focuses on providing basic healthcare coverage at an affordable price, with services and facilities within a specific geographic region.
The KeyCare Start Regional plan focuses on providing basic healthcare coverage at an affordable price, with services and facilities within a specific geographic region.
Tax Deductible:
Travel Cover:
Principle Member
From R1331
Dependant Member
From R1331
Child Dependant
From R811
KeyCare Start
The KeyCare Start plan is designed to be affordable and provides a range of basic healthcare benefits, such as basic dentistry and optometry, oncology coverage up to 100% of the DHR, pre and postnatal care, screening, and prevention.
The KeyCare Start plan is designed to be affordable and provides a range of basic healthcare benefits, such as basic dentistry and optometry, oncology coverage up to 100% of the DHR, pre and postnatal care, screening, and prevention.
Tax Deductible:
Travel Cover:
KeyCare Start
The KeyCare Start plan is designed to be affordable and provides a range of basic healthcare benefits, such as basic dentistry and optometry, oncology coverage up to 100% of the DHR, pre and postnatal care, screening, and prevention.
The KeyCare Start plan is designed to be affordable and provides a range of basic healthcare benefits, such as basic dentistry and optometry, oncology coverage up to 100% of the DHR, pre and postnatal care, screening, and prevention.
Tax Deductible:
Travel Cover:
Principle Member
From R1817
Dependant Member
From R1817
Child Dependant
From R661
KeyCare Plus
The KeyCare Plus plan provides members access to affordable healthcare services through a network of hospitals and healthcare providers.
The KeyCare Core plan provides various features such as Chronic Condition Cover, Home Care, Unlimited Hospital Cover, and a Mental Health Program.
Tax Deductible:
Travel Cover:
Principle Member
From R3011
Dependant Member
From R2259
Child Dependant
From R1196
Coastal Core
The Coastal Core plan offers various benefits such as Discovery Health Connected Care, pathology, and radiology services, as well as in and out-of-hospital cover.
The Coastal Core plan offers various benefits such as Discovery Health Connected Care, pathology, and radiology services, as well as in and out-of-hospital cover.
Tax Deductible:
Travel Cover:
Coastal Core
The Coastal Core plan offers various benefits such as Discovery Health Connected Care, pathology, and radiology services, as well as in and out-of-hospital cover.
The Coastal Core plan offers various benefits such as Discovery Health Connected Care, pathology, and radiology services, as well as in and out-of-hospital cover.
Tax Deductible:
Travel Cover:
Principle Member
From R3138
Dependant Member
From R2354
Child Dependant
From R1260
Essential Core
The Essential Core plan could be suitable for members requiring specialized services such as joint surgery and addiction rehabilitation, as well as international travel cover.
The Essential Core plan could be suitable for members requiring specialized services such as joint surgery and addiction rehabilitation, as well as international travel cover.
Tax Deductible:
Travel Cover:
Essential Core
The Essential Core plan could be suitable for members requiring specialized services such as joint surgery and addiction rehabilitation, as well as international travel cover.
The Essential Core plan could be suitable for members requiring specialized services such as joint surgery and addiction rehabilitation, as well as international travel cover.
Tax Deductible:
Travel Cover:
Principle Member
From R2507
Dependant Member
From R1887
Child Dependant
From R1005
Essential Delta Core
The Essential Delta Core plan is a great option for those seeking affordable medical coverage with basic benefits.
The Classic Saver plan covers hospitalization, chronic medication, day-to-day medical expenses, and preventive care services.
Tax Deductible:
Travel Cover:
Principle Member
From R4981
Dependant Member
From R3917
Child Dependant
From R1989
Essential Priority
The Essential Priority plan is a good option for those who prioritize affordability over a wide range of benefits, it provides comprehensive and flexible coverage for medical expenses,
The Essential Priority plan is a good option for those who prioritize affordability over a wide range of benefits, it provides comprehensive and flexible coverage for medical expenses,
Tax Deductible:
Travel Cover:
Essential Priority
The Essential Priority plan is a good option for those who prioritize affordability over a wide range of benefits, it provides comprehensive and flexible coverage for medical expenses,
The Essential Priority plan is a good option for those who prioritize affordability over a wide range of benefits, it provides comprehensive and flexible coverage for medical expenses,
⚠️ Deferral: Contribution increases are delayed from January to 1 April 2026
Overall, Discovery Health Medical Scheme offers 7 healthcare plans namely Executive, Comprehensive, Priority, Saver, Keycare, Core, and Smart with 23 options starting from R1331 per month. Discovery Health Medical Scheme has a trust score of 4.7 out of 5.
🔎 Medical Aid
🥇 Discovery Health
📌 Number of Markets
40
👥 Number of Employees
13,500+
📊 GCR Rating
AAA
📍 Number of plans
25
🚑 Hospitals in Network
150+
🏠 Home care
✅ Yes
Discovery Health Medical Aid reviews from different sources
The Council for Medical Schemes regulates the Discovery Health Medical Scheme. The Council governs South Africa’s medical plan business for Medical Schemes (CMS), a regulating body set up under the Medical Schemes Act, No. 131 of 1998 (the Act).
💙The CMS is responsible for a range of tasks related to the oversight of medical insurance plans, such as:
✅ Responsible for registering medical insurance plans and ensuring they comply with the law and other laws.
✅ Making sure healthcare plans have the money to pay claims.
✅ Examining and authorizing proposed price hikes for medical plans.
✅ Accepting and examining member complaints and initiating disciplinary action against medical plans that violate the Act or other applicable rules.
✅ Helping medical insurance plans follow the law and other laws.
Furthermore, if a medical scheme is found to violate the law, the CMS has the authority to issue administrative fines and penalties.
If you need significant medical coverage, the Executive Plan is for you. It provides unlimited hospitalization coverage at a facility of your choice at 300% coverage of in-hospital specialist expenses.
Several diagnostic and treatments, including specialist radiography and scopes, have co-payments. Claims are paid daily out of savings, with supplementary benefits applied after savings are depleted.
There are no limits on the number of times you may see a primary care physician or a specialist or have tests run, like a CAT scan or an MRI.
Discovery Health Medical Scheme
Comprehensive Series
The Comprehensive plans are ideal for families that need significant medical coverage since they include unlimited hospitalization. In addition, note that specialized radiology, scopes, and dental procedures have co-payments.
First, daily claims are covered by your medical savings account (MSA), and then there is a self-payment Gap (SPG). Once you have self-funded the self-payment Gap, you will enter the above threshold (ATB). Note that certain sub-limits are applied from your savings right through to your above threshold.
General practitioner and specialist visits, pathology, radiography, radiographs, x-rays, routine dental exams, and MRI/CT scans are all covered without sub-limits and/or guidelines. The Classic Smart Comprehensive Plan restricts your access to Network Providers for day-to-day benefits and prescribes a list of Network hospitals.
Once the limit is reached, the plan risk is used to cover certain day-to-day benefits.
Discovery Health Medical Scheme
Priority Series
The Priority series is ideal for families that need extensive medical coverage as it provides unlimited hospitalization. There is an extensive list of hospital services that incur co-payments.
First, daily claims are covered by your medical savings account (MSA), and then there is a self-payment Gap (SPG). Once you have self-funded the self-payment Gap, you will enter the above threshold (ATB). Note that certain sub-limits are applied from your savings right through to your above-threshold
Discovery Health Medical Scheme
Saver Series
Saver plans are ideal for new families since they provide unlimited hospital coverage. Specialized radiology, scopes, and dental procedures all have co-payments. In addition, money set aside for emergencies is used to cover regular expenses.
Daily claims are covered by your available medical savings account. There is no self-payment Gap or above threshold on the Savings option range.
Discovery Health Medical Scheme
Core Series
The Core series is great for young, healthy people since it provides unlimited hospital coverage. Specialized radiology, scopes, and dental procedures all have co-payments. However, the coverage provided by this policy is limited to hospitalization.
The Core Series does not offer a medical savings account. Day-to-day expenses are for your account.
The Smart series of options are mainly hospital plans with additional but limited day-to-day cover of GPs in the Smart Network, acute and OTC medications, dental check-ups, eye exams, certain preventive care, maternity benefits, etc.
Four Smart options are available to cater to individual needs.
There are deductibles and co-payments associated with all procedures.
Unlimited hospital cover in the KeyCare hospital networks. Cover and network depends on the plan you choose.
On KeyCare Start Regional, you have to go to a network hospital in the selected region.
Discovery Health Medical Scheme’s Advantages over Competitors
💙Discovery Health Medical Scheme offers a variety of plans for all budgets and health needs Other main advantages include:
✅ Discovery HealthMedical Scheme offers private healthcare coverage through hundreds of partners up to 200% on certain plans.
✅ Clients can get extensive coverage for in-hospital and day-to-day needs.
✅ There is extended chronic medicine, with over 271 diagnoses and 27 conditions.
✅ Certain plans have access to Above Threshold benefits.
✅ Discovery Health Medical Scheme provides 23 tailor-made options to choose from.
✅ Discovery Vitality provides a separate optional product that offers incentives and rewards for maintaining a healthy lifestyle. For example, customers who use fitness trackers like Fitbit, Garmin, and Polar may get points by documenting their exercise routines. Woolworths, British Airways, and Virgin Active are just a few of the many partners that address all aspects of a healthy lifestyle, from nutrition to fitness to travel.
Discovery Health Medical Scheme offers a Medical Savings Account (MSA) on the Executive, Comprehensive (but not the Classic Smart Comprehensive), Priority, and Saver plans.
💙The purpose of this savings account is to cover your day-to-day medical expenses, such as the following:
✅ Medicine (prescribed and over the counter), except for approved chronic medication
✅ Radiology and Pathology Accounts, and others.
Furthermore, Discovery Health’s Executive, Comprehensive, and Priority plans include a Self-Payment Gap (SPG) for members for when they run out of savings. After members have self-funded the SPG, they will move into the Above Threshold benefits. Certain Sub-Limits may apply.
How to apply with the Discovery Health Medical Scheme
Discovery Health Medical Scheme application process explained.
💙To apply for Medical Aid through Discovery Health Medical Scheme, you could:
✅ Visit the official Discovery website.
✅ Click on the “Medical Aid” Tab on the homepage.
✅ Click on “Get a Medical Aid Quote” to receive a tailor-made quote on one of Discovery Health Medical Scheme’s 23
plans.
✅ Alternatively, click on “Our Medical Aid Plans” from the top bar, followed by “Compare Our Plans,” to view up to three options side-by-side to help you decide.
✅ Once you have decided, click the “Join Now” banner to get started, and this will automatically redirect you to a screen where you can choose from “Get a quote in 60 seconds,” “Compare your medical aid,” or “Join now – I knew which plan I want.”
✅ Next, indicate who you want to cover by entering the number of members in the respective fields and clicking “Get Started.”
✅ Next, complete the online application and ensure that you provide details in all fields marked with *.
✅ Once your application is submitted, Discovery Health Medical Scheme will contact you to finalize the application.
Download and install the Discovery app from Google Play or the App Store, log in using your credentials and the scan option in-app to submit your claim. Furthermore, if your claim has a QR code, you can easily scan the code within the app and submit your claim.
How to Submit a Compliment or Complaint with Discovery Health Medical Scheme
Compliments
💙Compliments about Discovery HealthMedical Scheme can be submitted directly to the scheme using the following:
✅ 0860 99 88 77
✅ The online “Get Help Service”
✅ The Ask Discovery Bot on WhatsApp
✅ Discovery Customer Support on WhatsApp
Furthermore, customers can leave compliments regarding Discovery Health on popular customer review sites and online services.
Complaints
💙Complaints about Discovery HealthMedical Scheme can be submitted directly to the scheme using the following:
How to switch my Medical Aid to Discovery Health Medical Scheme
To switch from an existing medical scheme to Discovery Health Medical Scheme, you must notify your current medical aid scheme of your intentions to end coverage. Once you have notified your current medical scheme of your intentions to end cover, you can apply to Discovery HealthMedical Scheme from the website or by calling them directly and following the application process.
✅ Contact them through their website by filling out the online form at https://www.discovery.co.za/contact-us.
✅ Visit a Discovery Health Medical Scheme branch in person. You can find the location of a branch near you by using the branch locator tool on their website at https://www.discovery.co.za/branch-locator.
✅ Contact Discovery Health via WhatsApp or reach out to them through one of the social platforms on which the scheme is active.
✅ Discovery Health Medical Scheme contact number for Emergency or emergency transport is 0860 999 911
If you are a Discovery Health Medical Scheme member, you can contact them through the Discovery app or the member website.
Discovery Health Medical Scheme contact number for service providers is 0860 44 55 66 or email [email protected]
Discovery Health Medical Scheme vs Momentum Health vs Bonitas Medical Fund – A Comparison
🔎 Medical Aid
🥇 Discovery Health
🥈 Momentum Health
🥉 Bonitas Medical Fund
📌 Years in Operation
30 Years
56 Years
40 Years
📍 Average # Members
3.3 million
1.4 Million
750,000+
📈 GCR Rating
AAA
AA
AA
📉 Number of Employees
13,500
3,000+
2,000+
📊 Market Share
55%
25%
15%
📌 Market Coverage
40 Markets
6
Comprehensive
📍 Customer Rating
4.7/5
4.5/5
4.5/5
📈 Number of reviews
20,000+
10,000+
5,000+
📉 Mobile App
✅ Yes
✅ Yes
✅ Yes
📊 Contribution Range (ZAR)
1,184 – 8,576
1,200 – 5,500
1,000 – 5,000
International Travel Benefit (ZAR)
Up to 5 million ZAR
Up to 5 million ZAR
Up to 5 million ZAR
📌 Market Capitalization
140 billion ZAR
90 billion ZAR
Member Owned
💙READ more about Discovery Health Medical Scheme versus other Medical Schemes:
Recently, I worked with a Discovery consultant, and she was quite helpful. I felt like I could trust her advice since I could see that she genuinely cared about my predicament and had extensive training in the subject matter. In addition, she had all the qualities of a successful doctor or psychiatrist, including empathy, compassion, and efficiency. Well done, Discovery, for selecting capable leaders such as her. – Adem Waters
Happy Customer.
I have been with you for an exceedingly long time, and I agree with most of your other customers that you do an excellent job of paying claims and providing excellent service. – Lily-Mae Baker
Top Choice.
The agent I spoke with today blew me away; he was kind, sympathetic, and skilled. He probed me in the correct places, which led to a quick answer to my inquiry. – Pauline McClain
Discovery Health Medical Scheme Our Verdict
Discovery Health Medical Scheme is still noticeably young compared to other popular medical schemes. However, in the past 30 years, Discovery has shown immense innovation in providing tailor-made products and services to its over 3 million members. Furthermore, Discovery Health Medical Scheme offers a huge variety of options that suit most budgets, and members can expect to receive excellent coverage.
Discovery Health provides a range of health coverage plans to accommodate a variety of budgets and demands
Premiums for Discovery Health’s plans, especially for more extensive plans, might be too high for certain individuals
You may use Discovery Health’s extensive network of healthcare professionals when you need medical assistance
Discovery Health’s plans have limits and limitations, as do other medical insurance policies
Some of the medical insurance plans provided by Discovery Health include coverage for chronic diseases, hospitalization, and emergency medical evacuation
Some individuals may find filing a claim to Discovery Health to be difficult or time-consuming
Conclusion
Overall, Discovery offers an extensive range of medical scheme benefit options, optional Gap cover, optional Vitality, and an innovative mobile app and portal for Android and iOS devices amongst others.
Discovery Health Medical Scheme Frequently Asked Questions
What types of medical scheme plans can I choose from with Discovery Health?
Discovery Health provides a variety of medical scheme plans, including hospital plans, savings plans, comprehensive plans, and income-based plans.
Can I use any healthcare provider with a Discovery Health Medical Scheme plan?
Depending on the plan you choose your choice of Providers may differ.
Does the Discovery Health Medical Scheme cover pre-existing conditions?
This will depend on your age, previous medical scheme membership history, etc. The legislation regulates all medical schemes and their guidelines are used to determine if a pre-existing condition exclusion of 12 months will be applied or not.
How can I file a claim with Discovery Health Medical Scheme?
To submit a claim to Discovery Health Medical Scheme, you must submit all supporting paperwork, such as medical bills and receipts. Claim submissions can be made online or through the Discovery mobile app for Android and iOS or via email to [email protected]
How long will Discovery Health Medical Scheme take to process my claim?
Discovery Health Medical Scheme’s processing time for claims varies based on the claim’s complexity and the supporting documents. To guarantee fast processing, filing a claim as soon as possible after receiving medical care is suggested.
How to Downgrade My Plan with Discovery Health Medical Scheme?
Members can downgrade their plan selection at any moment within their current medical plan by Logging into the official Discovery website and clicking on “Medical Aid” from the top toolbar on the homepage. Click on “Medical Aid” and “Manage Your Health Plan.” Next, click the option to “Change Your Health Plan” from the options provided.
How do I add a Beneficiary to the Discovery Health Medical Scheme?
If you want to add a child or adult dependent, you can log into your Discovery profile and Click on “Medical Aid” and “Manage Your Health Plan” from the list of options.
What is the best plan for the Discovery Health Medical Scheme?
The Executive Plan provides the most comprehensive cover for in-hospital and out-of-hospital benefits, extended chronic medicine coverage, and an unlimited Above Threshold Benefit.
How do I talk to a Discovery Health Medical Scheme consultant?
You can call Discovery Health on 0860 99 88 77 to speak to a consultant.
How do I do an online Consultation?
You can log into the website or mobile app and request an online consultation through your profile.
Does Discovery Health Medical Scheme have a WhatsApp number?
Yes, you can reach “Ask Discovery” via WhatsApp at 0860 756 756.
Can my friend use my medical aid?
No, you should note that using another person’s medical aid card, with or without their consent or knowledge, is fraudulent. The Provider should report such instances to avoid being perceived as complicit in the fraud.
Can I use my Discovery Health Medical Scheme at Dischem?
Yes, and if you are a Vitality member as well, you can access Vitality rewards when you swipe your Dis-Chem Benefit card when purchasing from Disc-Chem pharmacies across South Africa.
Can I put my girlfriend on my Discovery Medical Aid?
Yes. If your boyfriend, girlfriend, or life partner resides with you, you can add them as an adult dependent, just as you would if they were your legal spouse.
What is the best medical scheme in SA?
Discovery Health Medical Scheme is highly regarded in South Africa. Its comprehensive offerings provide its members with a variety of 23 plans to choose from. You can select the plan that best fits your individual health and financial needs.
What is the biggest medical scheme in South Africa?
Discovery Health Medical Scheme is the largest open medical scheme in South Africa. Despite the overall decline of beneficiaries in open schemes in South Africa, Discovery Health Medical Scheme maintained its position. These metrics showcase members’ strong commitment and trust in the services and benefits provided by Discovery Health Medical Scheme.
Does Discovery Health Medical Scheme pay for emergency room visits?
Yes. Depending on the plan you are on. Regardless of whether you are hospitalized, Discovery Health Medical Scheme will cover the Emergency Room expenses. In the event of an emergency, any private hospital is accessible. If an emergency is life-threatening, could cost you a limb, and/or not result in admission, Emergency Room visits will be covered by your Risk benefits. If it is not one of the above circumstances, it might come from your Medical Savings Account and the case will be treated according to your plan’s rules and protocols for Emergency Room visits.
Does Discovery Health Medical Scheme pay for implants?
Yes. The approved Basic Dental Trauma Benefit coverage for dental appliances (implants), prostheses, and placement is subject to an annual maximum of R58 000 per person. Furthermore, coverage under the Basic Dental Trauma Benefit does not affect your regular benefits. Note that this applies to trauma-related implants only.
Does Discovery Health Medical Scheme pay for depression?
This will be dependent on the plan you are on. Together with your Premier Plus general practitioner, the Mental Health Care Programme will assist you in actively managing major depression. In addition, this care program gives you and your Premier Plus general practitioner access to tools and benefits for monitoring and managing your condition to ensure that you receive high-quality, coordinated care.
Can I withdraw my Discovery Health Medical Savings?
These savings cannot be withdrawn in cash unless you leave the scheme (see below). Only if you leave the scheme can you use your savings to offset any amounts you owe the scheme, such as contributions.
What can I use my Discovery Health Medical Savings for?
Discovery Health will pay your day-to-day medical expenses, such as GP and specialist consultations and medicine, excluding registered and approved chronic medicine, radiology, and pathology, from your Medical Savings Account (MSA). In addition, unused funds will be carried over to the following year.
What happens to Discovery Health Medical Aid Savings at the end of the year?
Any remaining balance in the Medical Savings Account at the end of the year is carried over to the following year. If you leave the Scheme or downgrade your health plan before the end of the year, you might owe the Scheme the portion of your Medical Savings Account that you have used but not yet reimbursed or it must be transferred to a new medical scheme you might join with a medical savings, or if you join a Hospital only plan, it may be paid out to you.
How do you use day-to-day extender benefits from the Discovery Health Medical Scheme?
Pays for certain day-to-day benefits after you have run out of money in your Medical Savings Account (MSA).
How do I check my Discovery Health Medical Scheme Savings?
You can check your Discovery Medical Scheme Savings on the Discovery app or website. Alternatively, you can contact Discovery Health Medical Scheme via the website (chatbot) or the email address or telephone number provided.
Does Discovery Health Medical Scheme give cash back to members?
NO, but through your Discovery Life Plan, you could earn additional cash rewards with the Double PayBack Benefit. This returns up to 100% of your premiums in cash. With Discovery Life, living a healthy lifestyle pays off.
How does the Discovery Health Medical Scheme’s Day-to-day Extender Benefit (DEB) work?
The DEB pays for certain benefits after the MSA funds have been depleted.
This includes video call consultations with network GPs, pharmacy clinic consultations, and unlimited face-to-face consultations with network GPs referred following a video call consultation or by the pharmacy clinic virtual GP.
The DEB covers face-to-face consultations up to the Discovery Health Rate (DHR).
The Day-to-day Extender Benefit (DEB) also pays for certain benefits after depleting the MSA funds.
Adriaan Schoeman
Adriaan holds an MBA and specializes in medical aid research. With his commitment to perfection, he ensures the accuracy of all data presented on medicalaid.com every three months. When he is not conducting research, Adriaan can be found indulging in his passion for trout fishing amidst nature.
