Why join SA's leading medical aid?
Discovery Health Medical Scheme offers members medical cover, with unique or "highly valued" benefits that are supported by an innovative healthcare delivery system.
It is the preferred choice for South Africans
6 out of 10 South Africans choose Discovery Health Medical Scheme.
It is more affordable
Contributions are on average 11% more affordable than open scheme competitors.
It's flexible
You can choose from 23 plan options with varying benefit levels, structures and price points.
Own your health with the WELLTH Fund
Get up to R10,000 extra for your family. You and your family can get this once-in-a-lifetime benefit that gives you extra money to spend on health checks, so you can better understand your health status and needs. It is easy and costs nothing. You only have to do a Health Check to unlock your WELLTH Fund.
How much is in your family's WELLTH Fund?
- Per adult dependant: R2,500
- Per child dependant (2 years or older): R1,250
- Maximum: R10,000 per family
What does it cover?
The WELLTH Fund covers a comprehensive list of healthcare services (including general, mental, children's, women's, men's and physical health) to help you understand your individual healthcare needs. This benefit is separate from your Screening and Prevention Benefit.
A Health Check includes blood glucose, blood pressure, cholesterol (lipogram), BMI and a non-smoker's declaration. You can complete it at GPs and pharmacies in the Discovery Health Wellness Network or at a Discovery Store. Track your WELLTH Fund balance and learn more at www.discovery.co.za. Benefit rules and limits are in the WELLTH Fund benefit guide. The WELLTH Fund is available to all registered members on the membership.
Discovery Health contribution estimator
Estimate your contribution for Discovery Health Medical Scheme. Contributions are on average 11% more affordable than open scheme competitors.
TCs apply.
How we can help
Plan selection
We help you choose from Discovery Health Medical Scheme's 23 plan options with varying benefit levels, structures and price points, so you find the plan that is right for you.
Understanding your benefits
Guidance on Medical Savings Account (MSA), Above Threshold Benefit (ATB), Day-to-day Extender Benefit (DEB), chronic cover and the Personal Health Fund so you get the most from your cover.
Vitality and contributions
Contributions are on average 11% more affordable than open scheme competitors. We can help you understand how Vitality status and plan choice affect your contribution.
Why choose a plan? Discovery Health plan options
Roadmap to choosing the plan that is right for you. 23 plan options with varying benefit levels, structures and price points.
Flexicare Plus
Affordable private day-to-day healthcare cover.
- ✓Affordable access to private primary healthcare and emergency treatment.
- ✓Extensive cover for day-to-day primary healthcare services, such as doctor consultations, dentistry, optometry and medicine, through our network of quality healthcare providers.
- ✓Cover for a defined list of medical procedures that can be done in a network doctor's rooms.
- ✓Extended cover for dependants.
- ✓Cover for 27 chronic conditions (including HIV).
KeyCare Plan
Network-based cover for in-hospital and out-of-hospital treatment within a specified network.
- ✓Day-to-day cover: GP consultations, acute and OTC medicine, eye and dental check-ups, sports-related injuries (fixed co-payments and/or limits).
- ✓Essential chronic cover for Chronic Disease List conditions via designated service provider (DSP); KeyCare medicine list.
- ✓Extensive cover for pregnancy and early childhood.
- ✓Personal Health Fund: up to R1,000 per family (limit depends on plan type and family).
- ✓Unlimited private hospital cover in KeyCare network; up to 100% Discovery Health Rate (DHR) for other professionals.
- ✓KeyCare Start Regional: expanded to include Johannesburg Central and Pretoria.
Smart Plan
The most cost-effective in-hospital cover, essential chronic medicine cover plus limited day-to-day cover when you use providers in a specified network.
- ✓Day-to-day cover for GP consultations, acute and over-the-counter (OTC) medicine, eye and dental check-ups and sports-related injuries, with fixed co-payments and/or limits (depends on plan).
- ✓Extensive cover for pregnancy and early childhood.
- ✓Personal Health Fund: up to R8,000 per family; limit depends on plan type and family. New members from 2025 can access an additional once-per-lifetime benefit.
Active Smart Plan: the most affordable plan in the open scheme industry for young professionals — R1,350 per principal member per month.
Saver Plan
The most economical in-hospital cover, essential chronic medicine cover and day-to-day benefits through a Medical Savings Account.
- ✓Extensive cover for pregnancy and early childhood.
- ✓Personal Health Fund: up to R10,000 per family; limit depends on plan type and family. New members from 2025 can access an additional once-per-lifetime benefit.
Core Plan
A value-for-money hospital plan that provides unlimited private hospital cover and essential cover for chronic medicine with no day-to-day cover.
- ✓Extensive cover for pregnancy and early childhood.
- ✓Full chronic cover for all Chronic Disease List (CDL) conditions when you use MedXpress or a MedXpress Network Pharmacy.
- ✓Unlimited cover for hospital admissions on Core plans.
- ✓Personal Health Fund: up to R8,000 per family; limit depends on plan type and family. New members from 2025 can access an additional once-per-lifetime benefit.
Priority Plan
Cost-effective in-hospital cover, essential chronic medicine cover and day-to-day benefits with a limited Above Threshold Benefit (ATB).
- ✓Comprehensive day-to-day cover: we pay day-to-day medical expenses from your Medical Savings Account (MSA). Limited ATB gives further day-to-day cover once you reach your Annual Threshold. Day-to-day Extender Benefit (DEB) extends cover for essential healthcare services in our network.
- ✓Extensive cover for pregnancy and early childhood.
- ✓Personal Health Fund: up to R10,000 per family; limit depends on plan type and family. New members from 2025 can access an additional once-per-lifetime benefit.
Comprehensive Plan
Comprehensive cover for in-hospital and day-to-day cover with extended chronic medicine cover and a limited Above Threshold Benefit (ATB).
- ✓Comprehensive day-to-day cover: we pay day-to-day medical expenses from your Medical Savings Account (MSA). Limited ATB gives further day-to-day cover once you reach your Annual Threshold. Day-to-day Extender Benefit (DEB) extends cover for essential healthcare services in our network.
- ✓Assisted Reproductive Therapy: cover for up to two annual cycles of ART if you meet the Scheme's benefit entry criteria.
- ✓Personal Health Fund: up to R10,000 per family; limit depends on plan type and family. New members from 2025 can access an additional once-per-lifetime benefit.
Executive Plan
The most extensive cover for in-hospital and day-to-day benefits with extended chronic medicine cover and an unlimited Above Threshold Benefit (ATB).
- ✓Comprehensive day-to-day cover: we pay day-to-day medical expenses from your Medical Savings Account (MSA). Unlimited ATB gives you further day-to-day cover once you reach your Annual Threshold. Day-to-day Extender Benefit (DEB) extends cover for essential healthcare services in our network.
- ✓Assisted Reproductive Therapy: cover for up to two annual cycles of ART if you meet the Scheme's benefit entry criteria.
- ✓Personal Health Fund: up to R10,000 per family; limit depends on family size and make-up (according to your policy). New members from 2025 can access an additional once-per-lifetime benefit in their Personal Health Fund.
Frequently Asked Questions
Ready to choose your plan?
Get guidance on Discovery Health Medical Scheme's 23 plan options and find the plan that is right for you.