Medical Aid Fees for Discovery Health Plans

Discovery claims to have the best health care cover, offering many different plans for the rainbow nation. Altogether, Discovery has a choice of 30 different plans, with different monthly contributions, and different levels of benefits. Therefore, the monthly contribution in each plan below is an average one, based on a family of 2 adults and 3 children. So let’s look at some of their plans and medical aid fees.

The Medical Savings Account

  • Of the total monthly contribution for your chosen plan, a portion will go to the Medical Savings Account, out of which your day-to-day expenses come.
  • Each medical Savings Account has an Annual Threshold. So once your Savings Account is exhausted, any further medical expenses will be paid by you until this Annual Threshold is reached.
  • Thereafter, for the rest of the year, and if you’re on the Executive or Comprehensive Plans, your benefits from your medical savings will be unlimited.
  • On the Priority Plans, once you reach the Annual Threshold, you will have another limit to what you can then claim from your Medical Savings Account.

Only 4 Plans have these Savings Accounts : The Executive Plan, The Comprehensive Series, The Priority Series, and The Saver Series.

Medical Aid Fees – The Executive Plan

This Plan is the most extensive in-hospital and out-of-hospital cover. Significantly, it pays up to 300% of the Discovery rate for specialists. And this plan has a Medical Savings Account.

  • R12,732 monthly contribution for a family of 5


medical aid fees for discovery health plans

Medical Aid Fees – The Comprehensive Series

This Series has extensive in-hospital and out-of hospital cover. You may go to any private hospital. Within the series you have 5 different plans:

  • Classic Comprehensive. R10,241 monthly contribution for a family of 5
  • Classic Delta Comprehensive. R9,221
  • Classic Zero MSA. R7,683
  • Essential Comprehensive. R8,624
  • Essential Delta Comprehensive. R7,757

These all have Medical Savings Accounts,except Classic Zero MSA. The Classic plans have up to 200% cover for specialists, and the Essential plans up to 100%.

Medical Aid Fees – The Saver Series

This Series gives cost-effective in-hospital and out-of-hospital cover. Any private hospital may be used. And the Classic plans Pay up to 200% for specialists, and the Essential and Coastal plans up to 100%.

  • Classic Saver. R7,004 monthly contribution for a family of 5
  • Classic Delta Saver. R5,604
  • Essential Saver. R5,494
  • Essential Delta Saver. R4,393
  • Coastal Saver. R5,509

All these plans have Medical Savings Accounts.

Medical Aid Fees – The Smart Plan

This plan gives cost effective in-hospital benefits as well as day-to-day cover. Because this is a Network plan, it has a Smart Network of selected doctors, specialists, hospital and other para-medical facilities for all services.

  • R4,167 monthly contribution for a family of 5

This plan has no Medical savings Account.

Medical Aid Fees – The KeyCare Series

Importantly, this Series offers the best, most affordable cover through a network of hospitals and doctors.

  • KeyCare Plus –  4 different income-based plans with a monthly contribution for a family of 5 ranging between R1,450 and R4,860.
  • KeyCare Access –  4 different income-based plans with a monthly contribution for a family of 5 ranging between R1,940 and R4,764.
  • And KeyCare Core – 3 different income-based plans with a monthly contribution for a family of 5 ranging between R1,849 and R3,429.

Some plans have been left out, but you can get an idea that Discovery offers plans that suit every lifestyle and every budget.