Discovery Classic Comprehensive: 2027 contributions and benefits

At a glance

Plan type: Comprehensive plan
Hospitals: Any private hospital
Hospital and specialists: 200% of Scheme tariff
Savings account: R2 509 a month for the main member (25%)
Chronic conditions: 49
Cancer: R500 000 a year
Children you pay for: Up to 3

Discovery’s 2027 benefits are not in our records yet. Its 2027 contributions are below.

Monthly contributions

2027 rates take effect on 1 January 2027. 2027 contributions: Discovery 2027 contribution table, p1. Its 2027 benefits are not in our records yet. You pay for up to 3 children.

Member	2026	2027	Change
Main member	R10 037	R10 934	+8.9%
Adult dependant	R9 492	R10 342	+9.0%
Child	R2 002	R2 181	+8.9%

Benefits

We hold Discovery’s 2027 contributions; its 2027 benefit rules are not in our records yet. Each row shows the 2026 rule, marked.

Benefits in force for 2026.

In hospital

Hospitals

Any hospital

Hospitals

2027 not in our records yet. 2026: Any hospital

(2026)

Specialists in hospital

200% of Scheme tariff. A specialist who charges more leaves a shortfall.

Discovery classic comprehensive plan, p1

Specialists in hospital

2027 not in our records yet. 2026: 200% of Scheme tariff. A specialist who charges more leaves a shortfall.

Discovery classic comprehensive plan, p1 (2026)

Chronic and cancer

Chronic conditions

49 conditions (the 27 on the Chronic Disease List plus others the scheme adds).

Chronic conditions

2027 not in our records yet. 2026: 49 conditions (the 27 on the Chronic Disease List plus others the scheme adds).

(2026)

Cancer

Up to R500 000 a year.

Discovery annexure 8a oncology treatment programme, p2

Cancer

2027 not in our records yet. 2026: Up to R500 000 a year.

Discovery annexure 8a oncology treatment programme, p2 (2026)

Day to day

Medical savings account

25% of your contribution goes into a savings account for day-to-day costs.

Discovery classic comprehensive plan, p20

Medical savings account

2027 not in our records yet. 2026: 25% of your contribution goes into a savings account for day-to-day costs.

Discovery classic comprehensive plan, p20 (2026)

Maternity

no managed-care maternity programme — benefit-based, paid from the scheme’s risk benefits, not savings.

Discovery catalogue maternity in hospital rows, per plan

Maternity

2027 not in our records yet. 2026: no managed-care maternity programme — benefit-based, paid from the scheme’s risk benefits, not savings.

Discovery catalogue maternity in hospital rows, per plan (2026)

GP visits

Paid from MSA first and then Limited ATB up to a maximum of 100% of the Discovery Health Rate. Accumulation to the Threshold up to a maximum of 100% of the Discovery Health Rate.

Discovery classic comprehensive plan 2026, p27

GP visits

2027 not in our records yet. 2026: Paid from MSA first and then Limited ATB up to a maximum of 100% of the Discovery Health Rate. Accumulation to the Threshold up to a maximum of 100% of the Discovery Health Rate.

Discovery classic comprehensive plan 2026, p27 (2026)

Specialist visits

Paid from MSA first and then Limited ATB: Premier Rate providers: Up to a maximum of the Premier Rate. All other specialists: Up to a maximum of 100% of the Discovery Health Rate. Accumulation to the Threshold up to a maximum of the Discovery Health Rate.

Discovery classic comprehensive plan 2026, p27

Specialist visits

2027 not in our records yet. 2026: Paid from MSA first and then Limited ATB: Premier Rate providers: Up to a maximum of the Premier Rate. All other specialists: Up to a maximum of 100% of the Discovery Health Rate. Accumulation to the Threshold up to a maximum of the Discovery Health Rate.

Discovery classic comprehensive plan 2026, p27 (2026)

Prescribed medicine (acute)

Preferentially priced generic and brand medication: Paid from MSA first and then Limited ATB up to a maximum of 100% of the Discovery Health Medication Rate with accumulation to Threshold at up to 100% of the Discovery Health Medication Rate. Non-preferentially priced generic and brand medication: Payment from MSA first up to a maximum of 100% of the Discovery Health Medication Rate. Then payment from Limited ATB and accumulation to Threshold at up to either 50% or 75% of the Discovery Health Medication Rate, depending on the price of the medication relative to the cost of the preferentially priced medication.

Discovery classic comprehensive plan 2026, p28

Prescribed medicine (acute)

2027 not in our records yet. 2026: Preferentially priced generic and brand medication: Paid from MSA first and then Limited ATB up to a maximum of 100% of the Discovery Health Medication Rate with accumulation to Threshold at up to 100% of the Discovery Health Medication Rate. Non-preferentially priced generic and brand medication: Payment from MSA first up to a maximum of 100% of the Discovery Health Medication Rate. Then payment from Limited ATB and accumulation to Threshold at up to either 50% or 75% of the Discovery Health Medication Rate, depending on the price of the medication relative to the cost of the preferentially priced medication.

Discovery classic comprehensive plan 2026, p28 (2026)

Basic dentistry

Paid from MSA first and then Limited ATB up to a maximum of 100% of the Discovery Health Rate. Accumulation to the Threshold up to a maximum of the Discovery Health Rate. Subject to the treatment meeting the Scheme's treatment guidelines and managed care criteria.

Discovery classic comprehensive plan 2026, p28

Basic dentistry

2027 not in our records yet. 2026: Paid from MSA first and then Limited ATB up to a maximum of 100% of the Discovery Health Rate. Accumulation to the Threshold up to a maximum of the Discovery Health Rate. Subject to the treatment meeting the Scheme's treatment guidelines and managed care criteria.

Discovery classic comprehensive plan 2026, p28 (2026)

Eyes (optometry)

Paid from MSA first and then Limited ATB up to a maximum of 100% of the Discovery Health Rate. Accumulation to the Threshold up to a maximum of the Discovery Health Rate.

Discovery classic comprehensive plan 2026, p31

Eyes (optometry)

Discovery classic comprehensive plan 2026, p31 (2026)

Basic X-rays

Paid from MSA first and then Limited ATB up to a maximum of 100% of the Discovery Health Rate. Accumulation to the Threshold up to a maximum of the Discovery Health Rate.

Discovery classic comprehensive plan 2026, p29

Basic X-rays

Discovery classic comprehensive plan 2026, p29 (2026)

Blood tests (pathology)

Paid from MSA first and then Limited ATB up to a maximum of 100% of the Discovery Health Rate. Accumulation to the Threshold up to a maximum of the Discovery Health Rate. Point-of-care pathology testing is subject to meeting the Scheme's treatment guidelines and managed care criteria.

Discovery classic comprehensive plan 2026, p29

Blood tests (pathology)

2027 not in our records yet. 2026: Paid from MSA first and then Limited ATB up to a maximum of 100% of the Discovery Health Rate. Accumulation to the Threshold up to a maximum of the Discovery Health Rate. Point-of-care pathology testing is subject to meeting the Scheme's treatment guidelines and managed care criteria.

Discovery classic comprehensive plan 2026, p29 (2026)

Full benefit list

Every benefit we hold for Classic Comprehensive, in Discovery’s own wording, from its 2026 documents. Discovery’s full 2027 list is not in our records yet.

In hospital

Hospital stay and theatre

Up to a maximum of 100% of the Discovery Health Rate. For maternity deliveries: up to a maximum of 100% of the Discovery Health Rate plus up to a maximum of R2 800 per approved day in respect of private wards where applicable. Subject to authorisation and/or approval and meeting the Scheme's clinical and managed care criteria.

Discovery classic comprehensive plan 2026, p1

Surgery and anaesthetics

Doctors and allied healthcare service providers while hospitalised: Up to a maximum of 200% of the Discovery Health Rate. Accommodation, theatre fees, materials used, prescribed medication for duration of hospitalisation: Up to a maximum of 100% of the Discovery Health Rate.

Discovery classic comprehensive plan 2026, p1

Planned PMB procedures

Basis of cover is contained in Annexure 7. All Prescribed Minimum Benefits (PMBs) to accumulate to available limits. Once benefit limits are reached funding in respect of PMBs will continue to be funded in accordance with the basis of cover as specified in Annexure 7.

Discovery classic comprehensive plan 2026, p1

Day procedures

A R7 250 Deductible shall be payable by the beneficiary in respect of the hospital account for elective admissions at a facility which is not a network facility.

Discovery classic comprehensive plan 2026, p2

Day procedures

A Deductible of R8 950 for admissions to hospital or a Deductible of R5 750 for admissions to day-case facilities shall be payable by the beneficiary in respect of the hospital/day-case facility account. For beneficiaries younger than 13 years a Deductible of R3 470 for admissions to hospital or a Deductible of R1 550 for admissions to day-case facilities shall be payable by the beneficiary in respect of the hospital/day-case facility account. The balance of the hospital/day-case facility account will be paid from Health Care Cover up to a maximum of 100% of the Discovery Health Rate.

Discovery classic comprehensive plan 2026, p5

Day procedures

A 20% co-payment shall be payable by the beneficiary in respect of the hospital account when treatment is received at a provider who is not a network provider.

Discovery classic comprehensive plan 2026, p2

Day procedures

Save for the cover contained in Annexure 8, or where indicated and approved for dyspepsia or for children aged 12 and under, the first R4 650 in respect of the hospital account when performed in a day clinic, or R6 800 in respect of the hospital account when performed in acute facilities, per admission is paid from MSA or Limited ATB. Where performed in an acute facility by a doctor who is part of the Scheme's value-based network, the first R5 450 in respect of the hospital account is paid from MSA or Limited ATB.

Discovery classic comprehensive plan 2026, p8

Internal prostheses

Up to a maximum of 100% of the Discovery Health Rate. Subject to authorisation and the treatment meeting the Scheme's treatment guidelines and clinical criteria. The device and processors accumulate to the limit. The balance of the hospital and related accounts do not accumulate to the annual limit.

Discovery classic comprehensive plan 2026, p12

Internal prostheses

Discovery classic comprehensive plan 2026, p12

Internal prostheses

Up to a maximum of 100% of the Discovery Health Rate. Subject to authorisation and the treatment meeting the Scheme's treatment guidelines and clinical criteria. The device accumulates to the limit. The balance of the hospital and related accounts do not accumulate to the annual limit.

Discovery classic comprehensive plan 2026, p12

Internal prostheses

Discovery classic comprehensive plan 2026, p12

Internal prostheses

Up to a maximum of 100% of the Discovery Health Rate at a network provider. Network does not apply to any admissions related to trauma. Up to 80% of the Discovery Health Rate for the hospital account if performed at a non-network facility. Up to a maximum of 200% of the Discovery Health Rate for related accounts paid from Health Care Cover for treatment received at a non-network facility. The prostheses accumulate to the limit. The balance of the hospital and related accounts do not accumulate to the annual limit.

Discovery classic comprehensive plan 2026, p13

Internal prostheses

Up to a maximum of 100% of the Discovery Health Rate. Subject to authorisation and the treatment meeting the Scheme's treatment guidelines and clinical criteria. The prostheses and/or devices accumulate to the limit. The balance of the hospital and related accounts do not accumulate to the annual limit. Where the prostheses and/or device is subject to the spinal surgery being performed in a network facility, up to 80% of the Discovery Health Rate if performed at a non-network facility.

Discovery classic comprehensive plan 2026, p14

Internal prostheses

Discovery classic comprehensive plan 2026, p14

Internal prostheses

Up to a maximum of 100% of the Discovery Health Rate. Subject to authorisation and the treatment meeting the Scheme's treatment guidelines and clinical criteria.

Discovery classic comprehensive plan 2026, p15

Organ and stem cell transplants

In-hospital: Up to a maximum of 100% of the Discovery Health Rate for the hospital account and up to a maximum of 200% of the Discovery Health Rate for related accounts. Out-of-hospital: Treatment related to transplant covered up to a maximum of 100% of the Discovery Health Rate. Subject to authorisation and/or approval and the treatment meeting the Scheme's clinical criteria.

Discovery classic comprehensive plan 2026, p2

Dialysis

Up to a maximum of 100% of the Discovery Health Rate. Subject to authorisation and/or approval and the treatment meeting the Scheme's treatment guidelines and clinical criteria. Drugs paid at 100% of the Discovery Health Medication Rate.

Discovery classic comprehensive plan 2026, p9

MRI, CT and PET scans

Up to a maximum of 100% of the Discovery Health Rate for in-hospital scans performed in respect of treatment related to an authorised admission. Subject to referral by appropriate specialist.

Discovery classic comprehensive plan 2026, p7

HIV/AIDS

Basis of cover is contained in Annexure 7.

Discovery classic comprehensive plan 2026, p16

Mental health admissions

Up to a maximum of 200% of the Discovery Health Rate for related accounts. Up to a maximum of 100% of the Discovery Health Rate for the hospital account in a network facility. Up to a maximum of 80% of the Discovery Health Rate for the hospital account if a non-network facility is used.

Discovery classic comprehensive plan 2026, p10

Mental health admissions

Basis of cover is contained in Annexure 7.

Discovery classic comprehensive plan 2026, p10

Birth (in hospital)

For maternity deliveries: up to a maximum of 100% of the Discovery Health Rate plus up to a maximum of R2 800 per approved day in respect of private wards where applicable. Subject to authorisation and/or approval and meeting the Scheme's clinical and managed care criteria.

Discovery classic comprehensive plan 2026, p1

Medicine on discharge

Save for cover contained in Annexure 7, TTOs are not covered from Hospital Benefits, but paid from Chronic Illness Benefit where applicable or from the MSA or Limited ATB as per the Prescribed Medication Benefit.

Discovery classic comprehensive plan 2026, p16

Travel cover

Basis of cover as contained in Annexure B. Up to 100% of the cost for in- and out-of-hospital treatment and where such treatment is paid in a foreign currency, the cost will be paid at an exchange rate for such currency as set by the bank at which the Scheme has its account. The first US$150 or €100 in respect of out-of-hospital treatment per person per journey is payable by the member. The balance will be paid from Health Care Cover.

Discovery classic comprehensive plan 2026, p21

Travel cover

Basis of cover as contained in Annexure B. Up to 100% of the cost and where such treatment is paid in a foreign currency, the cost will be paid at an exchange rate for such currency as set by the bank at which the Scheme has its account. Subject to authorisation. For medical emergencies only.

Discovery classic comprehensive plan 2026, p21

Travel cover

Basis of cover as contained in Annexure B. Up to 80% of the cost from Health Care Cover for in- and out-of-hospital, evidence-based medical treatment not available in South Africa, provided by a registered medical professional where clinically appropriate. Payment is directly to the member, with the balance of the claim payable by the member.

Discovery classic comprehensive plan 2026, p21

Cancer treatment

Non-PMB oncology (Oncology Treatment Programme): funded at 100% of the Discovery Health Rate up to a Threshold Claim Amount of R500,000 per person per 12-month cycle, then 80% of DHR with no overall limit. PMB oncology unlimited at PMB level via DSP (ICON/SAOC); voluntary non-DSP use funded at 80% of DHR (20% co-payment); 20% co-payment on PET-CT non-DSP.

Discovery annexure 8a oncology treatment programme 2026, p2

Specialised (biological) medicine in hospital

The Specialised Medicine and Technology Benefit provides additional cover for a defined list of high-cost medicines, new technologies and procedures up to a limit of R200 000 for each person, each year. Cover is either at 80% or 100% of the Discovery Health Rate (DHR) or Reference Price, depending on the treatment. Subject to entry criteria; you must apply via a Chronic Illness Benefit application form.

Discovery 2026 specialised medicine and technology benefit, p2

Specialised (biological) medicine in hospital

Biologics for rheumatoid arthritis, Crohn's disease and ulcerative colitis (e.g. Actemra, Amgevita, Entyvio, Humira, Hyrimoz, Orencia, Rinvoq, Simponi, Stelara, Xeljanz, and the rituximab brands MabThera, Blitzima, Redditux, Ristova, Rixathon, Rituximab Cipla): Up to a maximum of the reference price of the preferentially priced equivalent.

Discovery 2026 specialised medicine and technology benefit, p3

Specialised (biological) medicine in hospital

Biologics for ankylosing spondylitis and psoriatic arthritis (e.g. Copellor, Cosentyx, Enbrel, Erelzi, Remsima, Revellex, Rinvoq, Simponi 50mg, Stelara, Xeljanz): Up to a maximum of 80% of the reference price of the preferentially priced equivalent.

Discovery 2026 specialised medicine and technology benefit, p3

Specialised (biological) medicine in hospital

Esbriet and Pirofibra (pulmonary fibrosis) and Forteo and Prolia (osteoporosis): 80% of the Discovery Health Rate.

Discovery 2026 specialised medicine and technology benefit, p3

Specialised (biological) medicine in hospital

Neotecla and Sensipar (chronic renal disease): 100% of the Discovery Health Rate.

Discovery 2026 specialised medicine and technology benefit, p3

Specialised (biological) medicine in hospital

Other high-cost treatments and surgical procedures: Balloon sinuplasty (chronic sinusitis), Bariatric surgery (obesity), Ozurdex (retinal vein occlusion / diabetic macular oedema), Pegasys and PegIntron (Hepatitis C): 80% of the Discovery Health Rate co-payment.

Discovery 2026 specialised medicine and technology benefit, p5

Fertility treatment

Assisted Reproductive Therapy (ART) healthcare services (consultations, radiology, oocyte retrieval, embryo freezing/storage/transfer, related admission costs, laboratory fees, supportive medication, cryopreservation): in addition to the cover contained in Annexure 7, up to a maximum of 75% of the Discovery Health Rate. R140 000 per person per year.

Discovery classic comprehensive plan 2026, p24

Palliative care

Advanced Illness Benefit — Up to a maximum of 100% of the Discovery Health Rate. Unlimited.

Discovery classic comprehensive plan 2026, p16

Planned PMB procedures

WHO disease-outbreak benefit: in addition to cover contained in Annexure 7, up to a maximum of 100% of the Discovery Health Rate. Subject to the Scheme's preferred provider, protocols and clinical entry criteria and guidelines.

Discovery classic comprehensive plan 2026, p22

Travel cover

International clinical review service: up to a maximum of 75% of the cost of the consultation. Subject to the Scheme's preferred provider, protocols and clinical entry criteria.

Discovery classic comprehensive plan 2026, p19

Day to day

GP visits

Paid from MSA first and then Limited ATB up to a maximum of 100% of the Discovery Health Rate. Accumulation to the Threshold up to a maximum of 100% of the Discovery Health Rate.

Discovery classic comprehensive plan 2026, p27

GP visits

Paid from MSA first and then Limited ATB up to a maximum of 100% of the Discovery Health Rate. Accumulation to the Threshold up to a maximum of 100% of the Discovery Health Rate.

Discovery classic comprehensive plan 2026, p27

GP visits

Available once the MSA has been depleted and before the Threshold is reached (during the self-payment gap). Out-of-hospital consultation codes billed by a network pharmacy clinic or GP that meets the digital platform criteria shall be paid from Health Care Cover up to a maximum of 100% of the Discovery Health Rate.

Discovery classic comprehensive plan 2026, p24

GP visits

In addition to the cover contained in Annexure 7, up to a maximum of 100% of the Discovery Health Rate paid from Health Care Cover for virtual urgent care consultations.

Discovery classic comprehensive plan 2026, p11

Specialist visits

Discovery classic comprehensive plan 2026, p27

Specialist visits

Premier Rate providers: Up to a maximum of the Premier Rate. Classic Direct providers: Up to a maximum of the Classic Direct Rate. Other Specialists: Up to a maximum of 200% of the Discovery Health Rate.

Discovery classic comprehensive plan 2026, p1

Prescribed medicine (acute)

Discovery classic comprehensive plan 2026, p28

Over-the-counter medicine

Paid from MSA with no accumulation to Threshold and not covered from Limited ATB.

Discovery classic comprehensive plan 2026, p28

Blood tests (pathology)

Discovery classic comprehensive plan 2026, p29

Blood tests (pathology)

Up to a maximum of 100% of the Discovery Health Rate. Pathology is subject to a preferred provider network. Where members use a non-preferred provider payment will be made directly to the member.

Discovery classic comprehensive plan 2026, p1

Basic X-rays

Paid from MSA first and then Limited ATB up to a maximum of 100% of the Discovery Health Rate. Accumulation to the Threshold up to a maximum of the Discovery Health Rate.

Discovery classic comprehensive plan 2026, p29

Basic X-rays

Up to a maximum of 100% of the Discovery Health Rate.

Discovery classic comprehensive plan 2026, p1

MRI, CT and PET scans

The first R4 000 in respect of each out-of-hospital MRI and CT scan is payable from MSA or Limited ATB, and accumulated to the Annual Threshold, with the balance from Health Care Cover up to a maximum of 100% of the Discovery Health Rate. Subject to referral by appropriate specialist.

Discovery classic comprehensive plan 2026, p30

Eyes (optometry)

Paid from MSA first and then Limited ATB up to a maximum of 100% of the Discovery Health Rate. Accumulation to the Threshold up to a maximum of the Discovery Health Rate.

Discovery classic comprehensive plan 2026, p31

Eyes (optometry)

Discovery classic comprehensive plan 2026, p32

Basic dentistry

Discovery classic comprehensive plan 2026, p28

Specialised dentistry

All dental appliances and prostheses and the placement of such appliances/prostheses as well as orthodontics (surgical and non-surgical) are paid from MSA or Limited ATB up to a maximum of 100% of the Discovery Health Rate. Claims paid from the MSA and once in ATB accumulate to the benefit limit.

Discovery classic comprehensive plan 2026, p5

Specialised dentistry

Basis of cover as contained in Annexure B. Dentist and related accounts will be paid from Health Care Cover up to a maximum of 100% of the Discovery Health Rate. Premier Rate providers: Up to a maximum of the applicable Premier Rate. Classic Direct Anaesthetists: Up to a maximum of the Classic Direct Rate. Other Anaesthetists: Up to 200% of the Discovery Health Rate.

Discovery classic comprehensive plan 2026, p6

Specialised dentistry

Up to a maximum of 200% of the Discovery Health Rate for related accounts. Up to a maximum of 100% of the Discovery Health Rate for hospital account. Where such event is also subject to Annexure 9, a R7 250 Deductible shall be payable by the beneficiary in respect of the hospital account for elective admissions at a facility which is not a network facility.

Discovery classic comprehensive plan 2026, p4

Hearing aids

Paid from MSA first and then Limited ATB up to a maximum of 100% of the Discovery Health Rate. Accumulation to the Threshold up to a maximum of the Discovery Health Rate. Claims paid from the MSA and once in Limited ATB accumulate to the benefit limit.

Discovery classic comprehensive plan 2026, p31

Medical appliances

Discovery classic comprehensive plan 2026, p31

Medical appliances

Point-of-care medical devices: Payment from MSA up to a maximum of 100% of the Discovery Health Rate. Payment from Limited ATB and accumulation to Threshold at 75% of the Discovery Health Rate.

Discovery classic comprehensive plan 2026, p31

Medical appliances

Up to a maximum of 100% of the Discovery Health Rate paid from Health Care Cover. The device must be approved by the Scheme, subject to the Scheme's protocols and clinical and benefit entry criteria.

Discovery classic comprehensive plan 2026, p3

Medical appliances

Up to a maximum of 100% of the Discovery Health Rate. Available once the EMI or ATB limit is reached, subject to authorisation and the condition meeting the Scheme's treatment guidelines and clinical entry criteria.

Discovery classic comprehensive plan 2026, p16

Alternative healthcare

Paid from MSA with no accumulation to Threshold and not covered from Limited ATB.

Discovery classic comprehensive plan 2026, p30

Auxiliary services

In addition to cover contained in Annexure 7, up to a maximum of 100% of the Discovery Health Rate. Subject to authorisation and/or approval, the Scheme's preferred provider (where applicable) and the treatment meeting the Scheme's treatment guidelines and clinical and benefit entry criteria.

Discovery classic comprehensive plan 2026, p3

Auxiliary services

Up to a maximum of 100% of the Discovery Health Rate. Subject to authorisation and the treatment meeting the Scheme's guidelines and managed care criteria.

Discovery classic comprehensive plan 2026, p16

Chronic medicine (Chronic Disease List)

Save for medication contemplated in Rule 15.18 of the Main Body of the Rules, basis of cover contained in Annexure 7. Subject to the Scheme's protocols, clinical entry criteria and drug utilisation review.

Discovery classic comprehensive plan 2026, p26

Chronic medicine (other conditions)

Up to 100% of the Discovery Health Medication Rate.

Discovery classic comprehensive plan 2026, p26

Casualty visits

Up to a maximum of 100% of the Discovery Health Rate. Inter-hospital transfers subject to authorisation.

Discovery classic comprehensive plan 2026, p20

Casualty visits

Out-of-hospital consultation, facility fee and consumable codes billed by the casualty unit for children under the age of 10 shall be paid from Health Care Cover up to a maximum of 100% of the Discovery Health Rate.

Discovery classic comprehensive plan 2026, p24

Casualty visits

Paid from MSA first and then Limited ATB up to a maximum of 100% of the Discovery Health Rate for children under the age of 10. Accumulation to the Threshold up to a maximum of the Discovery Health Rate.

Discovery classic comprehensive plan 2026, p27

Psychologist and counselling visits

Discovery classic comprehensive plan 2026, p10

Psychologist and counselling visits

Discovery classic comprehensive plan 2026, p30

Physiotherapy and other therapists

Discovery classic comprehensive plan 2026, p30

Physiotherapy and other therapists

Up to a maximum of 100% of the Discovery Health Rate from Health Care Cover once the Annual Threshold is reached. Subject to authorisation and the condition meeting the Scheme's clinical entry criteria, treatment guidelines and managed care protocols.

Discovery classic comprehensive plan 2026, p20

Maternity care (out of hospital)

Up to 100% of the Discovery Health Rate, or agreed rate. Paid from Health Care Cover and is subject to applicable limits. Subject to pre-authorisation and/or registration and the treatment meeting the Scheme's treatment guidelines and clinical entry criteria. 3D and 4D scan will be paid up to the maximum of the cost of a 2D scan. Cover for related essential devices is up to a maximum of 75% of the Discovery Health Rate or agreed rate. Cover for infant consultations up to a maximum of 100% of the Discovery Health Rate, or agreed rate, for children under the age of 2 years. Services in excess of the limit paid from MSA and Limited ATB. Limits apply for the duration of the pregnancy.

Discovery classic comprehensive plan 2026, p23

Maternity care (out of hospital)

In addition to the cover contained in Annexure 7, up to a maximum of 75% of the Discovery Health Rate. Subject to the Scheme's preferred provider (where applicable), protocols and the condition and treatment meeting the Scheme's entry criteria and guidelines. Cryopreservation for up to maximum of 5 years.

Discovery classic comprehensive plan 2026, p24

Maternity care (out of hospital)

Once the out-of-hospital cover related to pregnancy and delivery is reached, paid from MSA first and then Limited ATB up to a maximum of 100% of the Discovery Health Rate. Accumulation to the Threshold up to a maximum of the Discovery Health Rate. Claims paid from the MSA and once in ATB accumulate to the benefit limit.

Discovery classic comprehensive plan 2026, p32

Maternity care (out of hospital)

Once the out-of-hospital cover related to pregnancy and delivery is reached, paid from MSA first and then Limited ATB up to a maximum of 100% of the Discovery Health Rate. Accumulation to the Threshold up to a maximum of the Discovery Health Rate. 3D and 4D scan will be paid up to the maximum of the cost of a 2D scan.

Discovery classic comprehensive plan 2026, p30

Maternity care (out of hospital)

Paid from MSA with no accumulation to Threshold and not covered from Limited ATB.

Discovery classic comprehensive plan 2026, p29

Procedures in the doctor’s rooms

Up to a maximum of 200% of the Discovery Health Rate when performed at an in-rooms network provider. Save for the cover contained in Annexure 8, where indicated and approved for dyspepsia, and for children aged 12 and under, the first R1 800 is paid from MSA or Limited ATB. Where both a gastroscopy and colonoscopy are performed, the first R3 100 is paid from MSA or Limited ATB. The balance of the account will be paid from Health Care Cover up to a maximum of 200% of the Discovery Health Rate.

Discovery classic comprehensive plan 2026, p9

Care after a hospital stay

Trauma Recovery Extension: over and above the DTP PMB entitlement, covers certain out-of-hospital healthcare services arising from a trauma-related event resulting in defined PMB conditions, to 31 December of the year after the trauma.

Discovery classic comprehensive plan 2026, p21

GP visits

Paid from MSA first and then Limited ATB up to a maximum of 100% of the Discovery Health Rate. Accumulation to the Threshold up to a maximum of 100% of the Discovery Health Rate.

Discovery classic comprehensive plan 2026, p27

GP visits

Paid from MSA first and then Limited ATB up to a maximum of 100% of the Discovery Health Rate. Accumulation to the Threshold up to a maximum of 100% of the Discovery Health Rate.

Discovery classic comprehensive plan 2026, p27

Specialist visits

Discovery classic comprehensive plan 2026, p27

Prescribed medicine (acute)

Discovery classic comprehensive plan 2026, p28

Blood tests (pathology)

Discovery classic comprehensive plan 2026, p29

Basic X-rays

Paid from MSA first and then Limited ATB up to a maximum of 100% of the Discovery Health Rate. Accumulation to the Threshold up to a maximum of the Discovery Health Rate.

Discovery classic comprehensive plan 2026, p29

MRI, CT and PET scans

Discovery classic comprehensive plan 2026, p30

Eyes (optometry)

Paid from MSA first and then Limited ATB up to a maximum of 100% of the Discovery Health Rate. Accumulation to the Threshold up to a maximum of the Discovery Health Rate.

Discovery classic comprehensive plan 2026, p31

Eyes (optometry)

Discovery classic comprehensive plan 2026, p32

Basic dentistry

Discovery classic comprehensive plan 2026, p28

Specialised dentistry

Discovery classic comprehensive plan 2026, p5

Hearing aids

Discovery classic comprehensive plan 2026, p31

Medical appliances

Discovery classic comprehensive plan 2026, p31

Medical appliances

Point-of-care medical devices: Payment from MSA up to a maximum of 100% of the Discovery Health Rate. Payment from Limited ATB and accumulation to Threshold at 75% of the Discovery Health Rate.

Discovery classic comprehensive plan 2026, p31

Casualty visits

Discovery classic comprehensive plan 2026, p27

Psychologist and counselling visits

Discovery classic comprehensive plan 2026, p30

Physiotherapy and other therapists

Discovery classic comprehensive plan 2026, p30

Maternity care (out of hospital)

Discovery classic comprehensive plan 2026, p32

Maternity care (out of hospital)

Once the out-of-hospital cover related to pregnancy and delivery is reached, paid from MSA first and then Limited ATB up to a maximum of 100% of the Discovery Health Rate. Accumulation to the Threshold up to a maximum of the Discovery Health Rate. 3D and 4D scan will be paid up to the maximum of the cost of a 2D scan.

Discovery classic comprehensive plan 2026, p30

Screening and prevention

Screening and prevention

Up to a maximum of 100% of the Discovery Health Rate for group of tests at a network provider. Subject to meeting the Scheme's clinical entry criteria.

Discovery classic comprehensive plan 2026, p16

Screening and prevention

Up to a maximum of 100% of the Discovery Health Rate for test code. Subject to meeting the Scheme's clinical entry criteria. Tests in excess of annual limit paid from MSA and Limited ATB.

Discovery classic comprehensive plan 2026, p17

Screening and prevention

Up to a maximum of 100% of the Discovery Health Rate for test code. Subject to meeting the Scheme's clinical entry criteria, treatment guidelines and protocols.

Discovery classic comprehensive plan 2026, p17

Screening and prevention

Up to a maximum of 100% of the Discovery Health Rate at a network provider, for children between the ages of 2 and 18. Subject to meeting the Scheme's clinical entry criteria.

Discovery classic comprehensive plan 2026, p17

Screening and prevention

Up to a maximum of 100% of the Discovery Health Rate at a network provider, for members 65 years and older. Subject to meeting the Scheme's clinical entry criteria.

Discovery classic comprehensive plan 2026, p17

Screening and prevention

Up to a maximum 100% of the Discovery Health Rate at an accredited network provider. Subject to meeting the Scheme's clinical entry criteria and treatment guidelines.

Discovery classic comprehensive plan 2026, p18

Screening and prevention

Up to a maximum of 100% of the Discovery Health Medication Rate for the vaccination. Seasonal flu vaccines in excess of the annual limit paid from MSA or Limited ATB. Note: Consultation and other healthcare services to administer the vaccine, paid from MSA or Limited ATB.

Discovery classic comprehensive plan 2026, p18

Screening and prevention

Up to a maximum of 100% of the Discovery Health Medication Rate for the vaccination. Pneumococcal vaccines in excess of the limit paid from MSA or Limited ATB. Note: Consultation and other healthcare services to administer the vaccine, paid MSA or Limited ATB.

Discovery classic comprehensive plan 2026, p18

Conditions

The Chronic Disease List conditions are Prescribed Minimum Benefits on every medical aid. How each one works on a medical aid:

Discovery also names these on Classic Comprehensive’s 2026 chronic list:

Others on its list have no page of ours yet.

Questions about Classic Comprehensive

Answered from Discovery’s documents.

How much does Classic Comprehensive cost in 2027?

From 1 January 2027: R10 934 a month for the main member, R10 342 for an adult dependant and R2 181 for a child. You pay for up to 3 children.

How much is Classic Comprehensive going up for 2027?

For the main member, from R10 037 to R10 934 a month, +8.9%.

Does Classic Comprehensive have a medical savings account?

Yes. 25% of your contribution goes into a savings account, which pays for day-to-day costs such as GP visits and medicine.

How many chronic conditions does Classic Comprehensive cover?

49: the 27 on the Chronic Disease List and others the scheme adds.

Will I have a shortfall if my specialist charges more?

Classic Comprehensive pays specialists in hospital at 200% of the Scheme tariff. If a specialist charges more than that, the difference is a shortfall. Gap cover is the product that pays shortfalls.

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Factual information from Discovery Health Medical Scheme’s published documents. It is not advice. Compiled by Eldon de Waal, CFA, the licensed advisor behind AURA. Catalogue v175, built 2026-10-19.