Discovery Health
South Africa's largest medical scheme with Vitality rewards
Discovery Health Medical Scheme is South Africa's largest open medical scheme with over 2.8 million members. Combined with Vitality, it offers unique rewards for healthy living.
Discovery pioneered the shared-value insurance model, rewarding members for healthy behaviour with discounts on flights, gym memberships, and more. Their plans range from affordable KeyCare options to comprehensive Executive cover.
At a Glance
2.8M+
Members
16
Plan Options
From R1,800
Monthly
A+
Financial Rating
Popular Plans
Executive Plan
R5,500
per month (single)
Hospital Cover
Unlimited private hospitals
Day-to-Day
Unlimited GP & specialist visits
Classic Comprehensive
R3,200
per month (single)
Hospital Cover
Unlimited private hospitals
Day-to-Day
Day-to-day benefits from savings
KeyCare Plus
R1,800
per month (single)
Hospital Cover
KeyCare network hospitals
Day-to-Day
KeyCare GP network
Vitality Rewards Program
Discovery's Vitality program rewards healthy behaviour with real benefits. The more active you are, the more you save.
Earn Points For
- • Gym visits and fitness activities
- • Health checks and screenings
- • Buying healthy food
- • Achieving fitness goals
Reward Benefits
- • Up to 75% off Kulula flights
- • Up to 75% off gym membership
- • Discounts at Pick n Pay, Woolworths
- • Apple Watch & Garmin rewards
* Vitality is a separate paid program that integrates with Discovery Health.
Plan Categories
| Category | Plans | Best For | Price Range |
|---|---|---|---|
| Executive | Executive Plan | Maximum cover, no limits | R5,500+ |
| Comprehensive | Classic, Essential, Priority | Hospital + day-to-day | R2,800 - R4,500 |
| Saver | Classic Saver, Core Saver | Hospital focus, lower premiums | R2,200 - R3,000 |
| KeyCare | KeyCare Plus, Core, Start | Budget-conscious, network based | R1,200 - R2,200 |
| Smart | Coastal Saver, Smart Plans | Essential hospital cover | R1,500 - R2,500 |
Why Choose Discovery Health?
Largest Provider Network
Access to virtually all private hospitals and specialists in South Africa.
Vitality Integration
Unique wellness rewards program that can save you thousands annually.
Financial Strength
One of the most financially stable schemes with strong reserves.
Digital Experience
Excellent app for claims, finding doctors, and managing your health.
Chronic Medication
Comprehensive cover for chronic conditions across all plans.
Range of Options
From budget KeyCare to premium Executive, there's a plan for everyone.
Pros and Cons
Pros
- Largest medical scheme - wide acceptance
- Vitality rewards can offset costs
- Excellent digital tools and app
- Strong financial position
- Wide range of plan options
- Innovative benefits and programmes
Cons
- Premium pricing - not the cheapest
- Vitality costs extra (R300-400/month)
- KeyCare network limitations
- Co-payments on some plans
- Annual increases above inflation
How to Join
Get a Quote Online
Use Discovery's online quote tool to compare plans and get pricing for your family.
Choose Your Plan
Select a plan that matches your healthcare needs and budget.
Apply Online or via Broker
Complete your application online or work with a healthcare broker for assistance.
Waiting Periods Apply
General 3-month waiting period; 12-month waiting for pre-existing conditions.
Frequently Asked Questions
Is Vitality included in my medical aid?
No, Vitality is a separate program that costs R300-400 per month. However, active members can save more than this through rewards and discounts.
What's the difference between KeyCare and other plans?
KeyCare plans are more affordable but restrict you to a network of designated hospitals and doctors. Other plans give you freedom to use any private provider.
Can I change plans during the year?
You can upgrade anytime, but downgrades typically only happen at year-end during the annual option change period.
How does the Medical Savings Account work?
Part of your premium goes into a savings account for day-to-day expenses. Unused savings roll over to the next year. When savings deplete, you pay from pocket until the Above-Threshold Benefit kicks in.
Important Information
- • Discovery Health Medical Scheme is administered by Discovery Health (Pty) Ltd, registration number 1997/013480/07, an authorised financial services provider.
- • Premiums quoted are indicative for single members - family rates differ.
- • Waiting periods apply to new members.
- • Late joiner penalties may apply if joining after age 35 without prior cover.