When your approved in-hospital specialist claim is higher than what your medical scheme has agreed to pay, Discovery Gap Cover will cover up to 200% of the medical scheme rate.
Depending on your Discovery Vitality status, health plan type and family structure, the Hospital Admission Benefit Extender provides additional gap cover of up to R20 000 per year and if you select the Comprehensive option you'll be covered for specific, approved out-of-hospital shortfalls.
Once you reach your oncology threshold, Discovery will cover up to R100 000 a year for cancer-related shortfalls, depending on which Gap Cover option you choose. All options include the Scopes and Scans Benefit Extender, providing cover for co-payments and out-of-hospital MRI and CT scan deductibles.
The Discovery Gap Comprehensive option provides cover, while you travel outside of South Africa, for shortfalls on approved emergency medical claims.
Upon diagnosis of qualifying illnesses associated with high treatment costs, Discovery assists with funding for advanced genomic sequencing for specific cancers and pays a lump sum of up to R550 000.
Get cover for your Medical Aid, Vitality and Gap Cover premiums when you can't pay them due to death, disability or severe illness.
In the event of your spouse or yourself, suffering from a qualifying life-changing event, Discovery will pay up to R10 000 to assist with home nursing and other medical costs.
Get rewarded, depending on your Vitality status you could receive up to 25% of your premiums back every year!