Discovery Health Medical Scheme · Assisted reproduction (IVF)

Assisted Reproductive Therapy Benefit

Support for members needing help conceiving through advanced treatment (IVF/FET/ICSI/IUI), from a defined basket once activated.

You must apply, and be approvedAn application goes in and the scheme decides. Approval is not automatic and the benefit does not backdate itself.

How: SASREG-accredited facility required; PMB infertility basket registered automatically on activation

“please complete the OHPMB application form and send this to PMB_APP_FORMS@discovery.co.za to activate the benefit. We'll confirm the outcome within two to three working days.”

At a glance

Scheme: Discovery Health Medical Scheme
Benefit area: Assisted reproduction (IVF) ⚠️ our best match, not the scheme’s own label
Who it is for: Named options — listed below
Limit: R140 000 per person per year; 2 cycles/yr (25-39), 1 cycle/yr (40-42), 1 egg-donated IVF/yr (43-50) · 75% of DHR · per person per year
Who qualifies: Diagnosed infertility; age bands 25-50 by treatment; entry criteria and treatment guidelines.
Where you may go: SASREG-accredited DSP facility — reduced payment if a DSP is not used

“cover at 75% of the Discovery Health Rate (DHR) up to benefit limit of R140,000 per person per year”

“You must use designated service providers in our network.”

Which plans carry it

Executive Plan Classic Comprehensive Classic Smart Comprehensive

Named in the scheme’s own documents.

“The Assisted Reproductive Therapy Benefit is available on our Executive Plan and Comprehensive Series.”

If you move plan

“Your cover under this benefit will end immediately if you downgrade from the Executive Plan or Comprehensive Series”

Where this comes from

discovery- 2026 - assisted-reproductive-therapy-benefit.pdf, p.1,4-6 · benefit_guide. Read from that document on 2026-08-29 for the 2026 plan year.

Every statement on this page is read from a Discovery Health Medical Scheme document and quoted so you can check it. Where a document says nothing, this page says so rather than filling the gap.

Check what your own plan leaves you to pay Your plan, your family, your conditions — the shortfall in rands before you choose a gap policy.

Programme rules are set by the scheme and change at renewal. This page renders what Discovery Health Medical Scheme’s own documents say, with the wording quoted so you can check it. Confirm with the scheme before you rely on it.