Discovery Health
Discovery Health Active Smart 2026
Hospital onlyLowest Smart premium
Active Smart is a hospital only plan from Discovery Health. In 2026 it costs R1 350 a month for the main member, R1 350 for an adult dependant and R1 350 for a child.
Best for: Young healthy individuals wanting affordable hospital-only cover
From Discovery Health's official 2026 brochure
What Active Smart covers
- Hospitals you can use
- Dynamic Smart Hospital Network (via Ask Discovery)
- In hospital
- Unlimited admissions + R7,750 upfront for elective non-PMB; neonatal limit R72,600
- Day-to-day
- Personal Health Fund (PHF) — up to R12,000/year by completing health actions
- Chronic medication
- Full CDL — all 27 conditions covered via network pharmacy
- 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
- PMBs (prescribed minimum benefits)
- Full PMB cover (legally required)
- Emergencies
- Covered at any hospital (PMB)
- Gap cover
- Yes — specialist shortfalls likely
Summarised from Discovery Health's official 2026 brochure. Always confirm the details with the scheme or an accredited broker before you join.
Similar plans to compare
Other hospital only plans close to R1 350 a month.
BonitasBonCoreR1 275per month, main memberView plan MomentumIngwe — Ingwe NetworkR1 425per month, main memberView plan MomentumIngwe — Connect NetworkR1 252per month, main memberView plan
Compare Active Smart with BonCore and Ingwe — Ingwe Network side by side
Is Active Smart right for you?
Tell us your budget and the cover you need. With your consent, a Verified Partner (an accredited, independent broker) contacts you directly to talk it through. It's free, with no obligation.