Discovery Health Hospital Plan
The medical scheme giant of South Africa, Discovery Health, is not only the largest medical aid in the country, but their offerings are also unsurpassed.
Not only do they boast a credit rating of AA+ (quite the feat in today’s economy) but they also have a plan to suit every possible level of healthcare a member could need.
Members can choose from six different series of plans but if it’s a Discovery Health hospital plan you’re after, choose one that will meet your medical and financial needs.
There are those of us who either can’t afford full medical cover and those who are healthy enough to be satisfied with a basic level of medical care. That’s where hospital plans come into it.
What It’s All About
Members can choose from one of two Discovery Health hospital plans within the scheme’s Keycare range. The range is cost-effective hospital cover at its best, based on a network of pre-approved specialists, doctors and hospitals.
Although members aren’t able to choose a hospital where they would like to be treated, they can rest assured that Discovery’s chosen network, whilst appealing to pocket, does not skimp on high quality healthcare. Members with hospital plans also have access to various trauma recovery benefits.
A Discovery Health hospital plan caters for comprehensive cover if a member is admitted to a pre-approved hospital in the scheme’s network. Specialist treatment costs are also covered as long as the specialist is a part of the Keycare program. Members should ensure that their specialist is a participant before engaging their services.
There is a defined list of procedures that are covered by a hospital plan so you should take careful note of the terms and conditions of your desired plan.
A member of this plan can receive treatment at a casualty unit of any of the approved hospitals in the network. You’ll have to pay a specified amount towards a consultation, though. Members of the Keycare Core plan, however, do not have this benefit.
Members of both hospital plans can enjoy three weeks’ worth of benefits for drug and alcohol abuse treatment and also mental health treatment. The scheme carries the full cost for these treatments.
There’s also cover for a predefined list of chronic illnesses. You’ll need to get your medication from a pharmacy that is part of the network, though, and that medication will need to be from the approved list of chronic medications for it to be covered.
With a Keycare Core plan, you won’t get day-to-day medical expense benefits but KeyCare Plus members do have access to dentists, GPs and optometrists within the KeyCare network. There is a range of disability benefits offered which include the hire or purchase of mobility devices.
We all need some type of cover for medical expenses and if we’re not chronically ill or simply cannot afford comprehensive medical cover, a Discovery Health hospital plan is ideal for covering emergencies and enjoying access to high quality care at affordable monthly rates.