R1 350
per month, main member
Best for: Young healthy individuals wanting affordable hospital-only cover
Hospitals Dynamic Smart Hospital Network (via Ask Discovery)
Day-to-day Personal Health Fund (PHF) — up to R12,000/year by completing health actions
Chronic meds Full CDL — all 27 conditions covered via network pharmacy
Hospital cover Unlimited admissions + R7,750 upfront for elective non-PMB; neonatal limit R72,600
Maternity Subject to available day-to-day benefits only
Dental Check-up only (R195 co-payment); no in-hospital dental cover
Optical Eye test once per year (R130 upfront)
Mental health 21 days inpatient or 15 outpatient consults per year
Gap cover Yes — specialist shortfalls likely
Family pricing Adult dependant R1 350 · Child R1 350
Note Same rate for every person on the plan. You pay for a maximum of 3 children. R1 797
per month, main member
Best for: Budget-conscious members willing to use a restricted hospital network
Hospitals Dynamic Smart Hospital Network (via Ask Discovery)
Day-to-day Personal Health Fund (PHF) — up to R12,000/year by completing health actions
Chronic meds Full CDL — all 27 conditions covered via network pharmacy
Hospital cover Unlimited private ward — Dynamic Smart Hospital Network only
Maternity Fully covered — 8 antenatal consults, scans, postnatal care
Dental Check-up only (R195 co-payment); no in-hospital dental cover
Optical Eye test once per year (R130 upfront)
Mental health 21 days inpatient or 15 outpatient consults per year
Gap cover Yes — specialist shortfalls likely
Family pricing Adult dependant R1 797 · Child R1 797
Note Same rate for every person on the plan. You pay for a maximum of 3 children. R1 859
per month, main member
Best for: Members wanting the most affordable Discovery cover with network restrictions
Hospitals KeyCare designated network hospitals/GPs
Day-to-day No Medical Savings Account
Hospital cover KeyCare network providers only — access restricted to designated hospitals and GPs
Family pricing Adult dependant R1 859 · Child R461
Note Income-based: rates shown are for household income R10,251–R16,600/month. You pay for a maximum of 3 children. Discovery Health KeyCare Start Regional Network plans Most affordable — regional network only
R1 932
per month, main member
Best for: Members in a specific region wanting Discovery's lowest-cost plan
Hospitals KeyCare Start Regional network hospitals/GPs
Day-to-day No Medical Savings Account
Hospital cover KeyCare regional network providers only — most restricted network, lowest premium in the range
Family pricing Adult dependant R1 932 · Child R869
Note Income-based: rates shown are for household income R10,951–R16,550/month. You pay for a maximum of 3 children. R2 107
per month, main member
Best for: Members wanting Discovery's most affordable core KeyCare plan
Hospitals KeyCare designated network hospitals/GPs
Day-to-day No Medical Savings Account
Hospital cover KeyCare network providers only — access restricted to designated hospitals and GPs
Family pricing Adult dependant R2 107 · Child R947
Note Income-based: rates shown are for household income R10,951–R16,550/month. You pay for a maximum of 3 children. R2 161
per month, main member
Best for: Middle-income earners wanting solid hospital cover at lower cost
Hospitals Smart Hospital Network
Day-to-day Personal Health Fund (PHF) — up to R12,000/year by completing health actions
Chronic meds Full CDL — all 27 conditions covered via network pharmacy
Hospital cover Unlimited private ward — Smart Hospital Network
Maternity Fully covered — 8 antenatal consults, scans, postnatal care
Dental Check-up only (R195 co-payment); no in-hospital dental cover
Optical Eye test once per year (R130 upfront)
Mental health 21 days inpatient or 15 outpatient consults per year
Gap cover Yes — specialist shortfalls likely (100% DHR only)
Family pricing Adult dependant R2 161 · Child R2 161
Note Same rate for every person on the plan. You pay for a maximum of 3 children. Discovery Health Essential Delta Core Network plans Most affordable Core-tier option
R2 681
per month, main member
Best for: Most affordable Core-tier option for members who can commit to the Delta network
Hospitals Discovery Delta Core Network hospitals
Day-to-day No Medical Savings Account
Hospital cover Network hospitals only — cover limited outside the Core network except emergencies (PMB)
Family pricing Adult dependant R2 018 · Child R1 076
Note You pay for a maximum of 3 children. Discovery Health KeyCare Plus Network plans Discovery's KeyCare Plus network option
R2 695
per month, main member
Best for: Members wanting Discovery's broadest KeyCare option at an entry-level premium
Hospitals KeyCare designated network hospitals/GPs
Day-to-day No Medical Savings Account
Hospital cover KeyCare network providers only — access restricted to designated hospitals and GPs
Family pricing Adult dependant R2 695 · Child R760
Note Income-based: rates shown are for household income R10,251–R16,600/month. You pay for a maximum of 3 children. R2 750
per month, main member
Best for: Budget-conscious members wanting network hospital cover, a small savings account and unlimited network GP visits
Hospitals Smart Hospital Network (restricted network)
Day-to-day Medical Savings Account (R2,316/yr main member) + PHF up to R6,000 base (up to R12,000 with challenge boosts). Plus unlimited Smart network GP visits (R130 co-payment each), OTC medicine up to R605/family; acute medicine from MSA/PHF
Chronic meds Full CDL — 27 conditions in full on formulary at a network pharmacy; non-formulary covered up to the reference price. 20% co-payment if you don't use a network pharmacy
Hospital cover Unlimited — Smart Hospital Network only (R12,650 upfront outside the network). Not covered except as PMB: joint replacements, back/neck surgery, knee and shoulder surgery, cochlear implants, refractive eye surgery, bunions
Maternity Fully covered — 8 antenatal consults, 2 scans, postnatal care, 2 GP/paediatrician visits for baby under 2
Dental One check-up a year at any dentist (R195 co-payment); other basic dentistry from MSA/PHF; hospital dental R8,950 upfront (13+ yrs)
Optical One eye test a year at a Smart network optometrist (R130 upfront); frames and lenses from MSA/PHF
Mental health 21 days inpatient or 15 outpatient consults per year; full cover at a network facility
Gap cover Yes — specialist shortfalls likely (100% DHR only)
Family pricing Adult dependant R2 350 · Child R895
Note You pay for a maximum of 3 children. R3 018
per month, main member
Best for: Professionals wanting premium cover with open hospital access
Hospitals Smart Hospital Network
Day-to-day Personal Health Fund (PHF) — up to R22,000/year by completing health actions
Chronic meds Full CDL — all 27 conditions covered via network pharmacy
Hospital cover Unlimited private ward — Smart Hospital Network
Maternity Fully covered — 8 antenatal consults, scans, postnatal care
Dental Basic check-up from PHF; hospital dental (R8,950 upfront for 13+ yrs)
Optical Eye test once per year (R75 upfront)
Mental health 21 days inpatient or 15 outpatient consults per year
Gap cover Optional — good to have
Family pricing Adult dependant R2 381 · Child R1 205
Note You pay for a maximum of 3 children. R3 099
per month, main member
Best for: Most affordable Saver option — MSA + Delta hospital network restriction
Hospitals Delta Hospital Network (restricted network)
Day-to-day Medical Savings Account 10% of contribution (R3,648/yr main member) + PHF up to R6,000
Chronic meds Full CDL in full on formulary; non-formulary covered to Generic Reference Price
Hospital cover Unlimited — Delta Hospital Network only
Maternity Fully covered — 8 antenatal consults, scans, postnatal care
Dental Basic dental from MSA
Optical From MSA; 20% discount at network optometrist
Mental health 21 days inpatient or 15 outpatient consults per year
Gap cover Yes — specialist shortfalls likely
Family pricing Adult dependant R2 339 · Child R1 243
Note You pay for a maximum of 3 children. R3 126
per month, main member
Best for: Budget-conscious members wanting a lower-cost Core-tier network option
Hospitals Discovery Delta Core Network hospitals
Day-to-day No Medical Savings Account
Hospital cover Network hospitals only — cover limited outside the Core network except emergencies (PMB)
Family pricing Adult dependant R2 465 · Child R1 250
Note You pay for a maximum of 3 children. R3 250
per month, main member
Best for: Coastal province residents wanting network hospital cover without a savings account
Hospitals Coastal Core Network hospitals (WC, EC, NC, KZN)
Day-to-day No Medical Savings Account
Hospital cover Network hospitals only, restricted to coastal provinces — cover limited outside the network except emergencies (PMB)
Family pricing Adult dependant R2 438 · Child R1 291
Note You pay for a maximum of 3 children. R3 350
per month, main member
Best for: Members wanting Smart-network hospital cover plus a savings account and unlimited network GP visits
Hospitals Smart Hospital Network (restricted network)
Day-to-day Medical Savings Account (R2,820/yr main member) + PHF up to R10,000 base (up to R20,000 with challenge boosts). Plus unlimited Smart network GP visits (R75 co-payment each), OTC medicine up to R905/family, acute medicine R1,970/person
Chronic meds Full CDL — 27 conditions in full on formulary at a network pharmacy; non-formulary covered up to the reference price. 20% co-payment if you don't use a network pharmacy
Hospital cover Unlimited — Smart Hospital Network only (R12,650 upfront for planned admissions outside the network). Specialists without a payment arrangement paid up to 200% of DHR
Maternity Fully covered — 8 antenatal consults, 2 scans, postnatal care, 2 GP/paediatrician visits for baby under 2
Dental One check-up a year at any dentist (R130 co-payment); other basic dentistry from MSA/PHF; hospital dental R8,950 upfront (13+ yrs)
Optical One eye test a year at a Smart network optometrist (R75 upfront); frames and lenses from MSA/PHF; 20% discount at network optometrist
Mental health 21 days inpatient or 15 outpatient consults per year; full cover at a network facility
Gap cover Optional — good to have
Family pricing Adult dependant R2 840 · Child R1 400
Note You pay for a maximum of 3 children. R3 356
per month, main member
Best for: Budget-conscious members wanting network-hospital cover without a savings account
Hospitals Discovery Core Network hospitals
Day-to-day No Medical Savings Account
Hospital cover Network hospitals only — cover limited outside the Core network except emergencies (PMB)
Family pricing Adult dependant R2 517 · Child R1 347
Note You pay for a maximum of 3 children. R3 875
per month, main member
Best for: Members wanting MSA savings + lower premium via Delta hospital network
Hospitals Delta Hospital Network (restricted network)
Day-to-day Medical Savings Account 20% of contribution (R9,147/yr main member) + PHF up to R10,000
Chronic meds Full CDL in full on formulary; non-formulary covered to Generic Reference Price
Hospital cover Unlimited — Delta Hospital Network only
Maternity Fully covered — 8 antenatal consults, scans, postnatal care
Dental Basic dental from MSA; hospital dental (R8,950 upfront 13+ yrs)
Optical From MSA; 20% discount at network optometrist
Mental health 21 days inpatient or 15 outpatient consults per year
Gap cover Optional — good to have
Family pricing Adult dependant R3 062 · Child R1 556
Note You pay for a maximum of 3 children. R3 886
per month, main member
Best for: Families wanting open hospital access + MSA buffer at a mid-range premium
Hospitals Open — any Discovery-approved private hospital
Day-to-day Medical Savings Account 10% of contribution (R4,581/yr main member) + PHF up to R6,000
Chronic meds Full CDL in full on formulary; non-formulary covered to Generic Reference Price
Hospital cover Unlimited — any approved private hospital (open network)
Maternity Fully covered — 8 antenatal consults, scans, postnatal care
Dental Basic dental from MSA; hospital dental available
Optical From MSA; 20% discount at network optometrist
Mental health 21 days inpatient or 15 outpatient consults per year
Gap cover Yes — specialist shortfalls likely (100% DHR)
Family pricing Adult dependant R2 914 · Child R1 556
Note You pay for a maximum of 3 children. Discovery Health Classic Core Network plans Network hospital cover, no savings account
R3 905
per month, main member
Best for: Budget-conscious members wanting network-hospital cover without a savings account
Hospitals Discovery Core Network hospitals
Day-to-day No Medical Savings Account
Hospital cover Network hospitals only — cover limited outside the Core network except emergencies (PMB)
Family pricing Adult dependant R3 083 · Child R1 562
Note You pay for a maximum of 3 children. R4 098
per month, main member
Best for: Coastal province residents wanting MSA + lower premium than Classic Saver
Hospitals Coastal Hospital Network (WC, EC, NC, KZN)
Day-to-day Medical Savings Account 15% of contribution (R7,233/yr main member) + PHF up to R6,000
Chronic meds Full CDL in full on formulary; non-formulary covered to Generic Reference Price
Hospital cover Unlimited — approved hospitals in 4 coastal provinces only
Maternity Fully covered — 8 antenatal consults, scans, postnatal care
Dental Basic dental from MSA
Optical From MSA; 20% discount at network optometrist
Mental health 21 days inpatient or 15 outpatient consults per year
Gap cover Yes — specialist shortfalls likely
Family pricing Adult dependant R3 082 · Child R1 648
Note You pay for a maximum of 3 children. R4 850
per month, main member
Best for: Higher earners wanting open hospital access + savings account that rolls over
Hospitals Open — any Discovery-approved private hospital
Day-to-day Medical Savings Account 20% of contribution (R11,448/yr main member) + PHF up to R10,000
Chronic meds Full CDL in full on formulary; non-formulary covered to Generic Reference Price
Hospital cover Unlimited — any approved private hospital (open network)
Maternity Fully covered — 8 antenatal consults, scans, postnatal, breastfeeding support
Dental Basic dental from MSA; hospital dental (R8,950 upfront 13+ yrs); Trauma Benefit R70,800/yr
Optical From MSA; 20% discount on frames at network optometrist
Mental health 21 days inpatient or 15 outpatient consults per year
Gap cover Optional — good to have
Family pricing Adult dependant R3 825 · Child R1 943
Note You pay for a maximum of 3 children. Discovery Health Essential Priority Network plans Lower-cost Priority network option
R5 327
per month, main member
Best for: Budget-conscious members wanting Priority network cover with a savings account
Hospitals Priority Series negotiated-rate network hospitals
Day-to-day Medical Savings Account — R9,432/yr main member
Hospital cover Full cover at Priority network hospitals; co-payment likely if you use a hospital outside the network
Family pricing Adult dependant R4 189 · Child R2 127
Note You pay for a maximum of 3 children. R6 198
per month, main member
Best for: Members comfortable using Priority Series network hospitals for lower premiums than Comprehensive
Hospitals Priority Series negotiated-rate network hospitals
Day-to-day Medical Savings Account — R18,285/yr main member
Hospital cover Full cover at Priority network hospitals; co-payment likely if you use a hospital outside the network
Family pricing Adult dependant R4 889 · Child R2 478
Note You pay for a maximum of 3 children. Discovery Health Classic Smart Comprehensive Comprehensive Comprehensive cover via Smart network
R8 576
per month, main member
Best for: Members wanting comprehensive cover at a lower premium via the Smart hospital network
Hospitals Discovery Smart Network hospitals
Day-to-day Medical Savings Account — R15,147/yr main member
Hospital cover Unlimited hospital cover within the Smart hospital network
Family pricing Adult dependant R7 920 · Child R2 002
Note You pay for a maximum of 3 children. Discovery Health Classic Comprehensive Comprehensive Comprehensive open-network cover
R10 037
per month, main member
Best for: Members wanting comprehensive open-network cover just below Executive tier
Hospitals Open — any Discovery-approved private hospital
Day-to-day Medical Savings Account — R29,550/yr main member
Hospital cover Unlimited private hospital cover, open network
Family pricing Adult dependant R9 492 · Child R2 002
Note You pay for a maximum of 3 children. R12 338
per month, main member
Best for: Highest earners wanting the most comprehensive cover with no network restrictions
Hospitals Open — any Discovery-approved private hospital
Day-to-day Medical Savings Account — R36,327/yr main member
Hospital cover Unlimited private hospital cover, open network, most comprehensive tier available
Family pricing Adult dependant R12 338 · Child R2 358
Note You pay for a maximum of 3 children. 