Discovery Gap Cover

From as little as R58 a month, you get financial protection from life-changing events.

 
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Get three months on us

After the three months at no cost, you can decide to start paying the monthly gap cover premium or cancel the policy. Standard waiting periods will apply as per the product terms and conditions. The 3-month free premium special offer is only available for new Discovery Health Medical Scheme members who have joined within the last six months and who have not had an active gap cover policy with Discovery Gap or any insurer within the last 90 days. You can read the terms and conditions here.

Discovery Gap 100

From R58

An overall annual limit of R226,881 applies to each person

In-hospital specialist claims

Provides cover of up to 100% of the scheme rate

Hospital admission

Helps ease the financial stress of a hospital stay. If you're on the medical scheme's Active plans and need a procedure that is not a Prescribed Minimum Benefit (PMB), the Discovery Gap 100 plan covers the R8,050 deductible you would have to pay. This is if you still have funds available in your overall annual gap cover limit.

Discovery Gap 250

From R187

An overall annual limit of R226,881 applies to each person

In-hospital specialist claims

Provides cover of up to 250% of the scheme rate

Hospital admission

Up to R 7,500 extra gap cover for approved specialist claims in-hospital, filling the shortfalls that remain.

Oncology

Up to R85,000 yearly for approved cancer-related claims after hitting your medical scheme's oncology threshold.

 

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Discovery Gap 500

From R295

An overall annual limit of R226,881 applies to each person

In-hospital specialist claims

Provides additional cover of up to 500% of the scheme rate

Hospital admission

Up to R15,000 extra gap cover for approved specialist claims in-hospital, filling the shortfalls that remain.

Oncology

Up to R110,000 yearly for approved cancer-related claims after hitting your medical scheme's oncology threshold.

Scopes and scans

Cover for co-payments and deductibles that apply to MRI and CT scans out-of-hospital, and for endoscopies performed in-hospital.

Travel benefit

Cover for shortfalls on approved emergency medical claims incurred while you travel outside of South Africa.

Maternity claims

Covers shortfalls where certain third-trimester maternity claims are higher than the amount covered by your medical scheme's maternity benefit

Discovery Gap 500 Plus Pro

From R385

An overall annual limit of R226,881 applies to each person

Specialist Shortfall Cover

Shortfalls on approved specialist and GP claims where your healthcare professional charges more than the medical scheme rate

Deductibles and co-payments

Co-payments and deductibles for specified procedures and admissions that your scheme applies

Oncology Benefit Extender

Approved cancer-related shortfalls once you reach your scheme's oncology threshold or limit

Non-network deductibles

The fee your scheme charges when you choose a hospital outside your network.

Enhanced travel cover

Emergency medical shortfalls while travelling outside South Africa.

Sub-limit Benefit

Shortfalls when you reach a scheme sub-limit during an approved hospital admission

Casualty Benefit

Casualty visits after an accident or trauma, and after-hours visits for illness.

Day-to-day Protector, only available to members of the Discovery Health Medical Scheme

Cover for shortfalls on your day-to-day healthcare, unlocked through a Health Check and your Personal Health Pathways* engagement

Oncology Protector

A cash amount paid to you if you are diagnosed with cancer, unlocked through a Health Check and your Personal Health Pathways* engagement

*Personal Health Pathways is only available to members of the Discovery Health Medical Scheme.

 

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Premiums are based on the individual's circumstances and are in line with short-term insurance pricing principles. There are certain requirements on application and waiting periods may apply based on the health plan at the time of activating the cover. Gap cover is available to members of Discovery Health Medical Scheme excluding members on KeyCare plans. Discovery Gap Cover is a non-life insurance policy, underwritten by Discovery Insure Ltd, registration number 2009/011882/06, a licensed insurer and an authorised financial services provider. This is not a medical scheme and the cover is not the same as that of a medical scheme. This policy is not a substitute for medical scheme membership.

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