Discovery Classic Smart: 2027 contributions and benefits

At a glance

Plan type: Hospital plan
Hospitals: Network hospitals
Hospital and specialists: 200% of Scheme tariff
Day-to-day costs: Your own
Chronic conditions: 27 (Chronic Disease List)
Cancer: R250 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	R3 018	R3 257	+7.9%
Adult dependant	R2 381	R2 571	+8.0%
Child	R1 205	R1 301	+8.0%

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

Network hospitals only (Smart Hospital Network)

Discovery 2026 Hospital network list, p5

Hospitals

2027 not in our records yet. 2026: Network hospitals only (Smart Hospital Network)

Discovery 2026 Hospital network list, p5 (2026)

Specialists in hospital

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

Discovery classic smart 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 smart plan, p1 (2026)

Hospital outside the network

A co-payment of R12 650 if you choose a hospital outside the network for a planned admission.

Discovery classic smart plan, p20

Hospital outside the network

2027 not in our records yet. 2026: A co-payment of R12 650 if you choose a hospital outside the network for a planned admission.

Discovery classic smart plan, p20 (2026)

Chronic and cancer

Chronic conditions

27 conditions, the Chronic Disease List.

Chronic conditions

2027 not in our records yet. 2026: 27 conditions, the Chronic Disease List.

(2026)

Cancer

Up to R250 000 a year.

Discovery annexure 8a oncology treatment programme, p1

Cancer

2027 not in our records yet. 2026: Up to R250 000 a year.

Discovery annexure 8a oncology treatment programme, p1 (2026)

Day to day

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

Out-of-hospital consultation codes billed by Smart network GPs shall be paid from Health Care Cover up to a maximum of 100% of the Discovery Health Rate, and subject to a R75 co-payment per consultation. This co-payment does not apply to video call consultations. Any other healthcare services related to consultations are payable by the member. GPs in the network: Unlimited, subject to a R75 co-payment per consultation

Discovery classic smart plan 2026, p22

GP visits

2027 not in our records yet. 2026: Out-of-hospital consultation codes billed by Smart network GPs shall be paid from Health Care Cover up to a maximum of 100% of the Discovery Health Rate, and subject to a R75 co-payment per consultation. This co-payment does not apply to video call consultations. Any other healthcare services related to consultations are payable by the member. GPs in the network: Unlimited, subject to a R75 co-payment per consultation

Discovery classic smart plan 2026, p22 (2026)

Specialist visits

Basic x-rays, specialist visits and allied healthcare services (either physiotherapy, biokineticists or chiropractor) for sports related injuries — Up to a maximum of 100% of the Discovery Health Rate subject to registration and referral by a Smart Network GP. Subject to a R130 co-payment by the member per visit. Two specialist visits per beneficiary per year

Discovery classic smart plan 2026, p22

Specialist visits

2027 not in our records yet. 2026: Basic x-rays, specialist visits and allied healthcare services (either physiotherapy, biokineticists or chiropractor) for sports related injuries — Up to a maximum of 100% of the Discovery Health Rate subject to registration and referral by a Smart Network GP. Subject to a R130 co-payment by the member per visit. Two specialist visits per beneficiary per year

Discovery classic smart plan 2026, p22 (2026)

Prescribed medicine (acute)

Prescribed medication for a defined list of schedule 3 and above medication — Up to 100% of the Discovery Health Medicine Rate, if prescribed by a Smart network GP and dispensed by a network pharmacy. A defined list of exclusion categories apply. R1 970 per single member and R3 300 per family per year

Discovery classic smart plan 2026, p22

Prescribed medicine (acute)

2027 not in our records yet. 2026: Prescribed medication for a defined list of schedule 3 and above medication — Up to 100% of the Discovery Health Medicine Rate, if prescribed by a Smart network GP and dispensed by a network pharmacy. A defined list of exclusion categories apply. R1 970 per single member and R3 300 per family per year

Discovery classic smart plan 2026, p22 (2026)

Basic dentistry

Dental check-up — Up to a maximum of 100% of the Discovery Health Rate subject to a R130 co-payment by the member. One check-up per beneficiary per year

Discovery classic smart plan 2026, p22

Basic dentistry

2027 not in our records yet. 2026: Dental check-up — Up to a maximum of 100% of the Discovery Health Rate subject to a R130 co-payment by the member. One check-up per beneficiary per year

Discovery classic smart plan 2026, p22 (2026)

Eyes (optometry)

Eye test — Up to a maximum of 100% of the Discovery Health Rate at a network provider. Subject to a R75 co-payment by the member. One test per beneficiary per year

Discovery classic smart plan 2026, p22

Eyes (optometry)

2027 not in our records yet. 2026: Eye test — Up to a maximum of 100% of the Discovery Health Rate at a network provider. Subject to a R75 co-payment by the member. One test per beneficiary per year

Discovery classic smart plan 2026, p22 (2026)

Basic X-rays

Discovery classic smart plan 2026, p22

Basic X-rays

Discovery classic smart plan 2026, p22 (2026)

Blood tests (pathology)

Radiology & Pathology — Up to a maximum of 100% of the Discovery Health Rate. Unlimited. Pathology is subject to a preferred provider network. Where members use a non-preferred provider payment will be made directly to the member. Point-of-care pathology testing is subject to meeting the Scheme's treatment guidelines and managed care criteria.

Discovery classic smart plan 2026, p1

Blood tests (pathology)

2027 not in our records yet. 2026: Radiology & Pathology — Up to a maximum of 100% of the Discovery Health Rate. Unlimited. Pathology is subject to a preferred provider network. Where members use a non-preferred provider payment will be made directly to the member. Point-of-care pathology testing is subject to meeting the Scheme's treatment guidelines and managed care criteria.

Discovery classic smart plan 2026, p1 (2026)

Full benefit list

Every benefit we hold for Classic Smart, 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

Accommodation, theatre fees, materials used, prescribed medication for duration of hospitalisation — Up to a maximum of 100% of the Discovery Health Rate. Subject to authorisation and/or approval and meeting the Scheme's clinical and managed care criteria. Unlimited

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

Discovery classic smart plan 2026, p1

Day procedures

For day-case procedures, as reflected in Annexure 9, a R12 650 Deductible shall be payable by the beneficiary in respect of the hospital account for elective admissions at private hospitals which are not part of the defined list of network facilities for day-case procedures.

Discovery classic smart plan 2026, p20

Day procedures

Administration of defined intravenous infusions — Up to a maximum of 100% of the Discovery Health Rate at the Scheme's network provider. 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 smart plan 2026, p2

Day procedures

Dentistry — 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. 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. 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.

Discovery classic smart plan 2026, p7

Day procedures

Gastroscopies, colonoscopies, proctoscopies, sigmoidoscopies performed in-hospital — 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 R8 000 in respect of the hospital account when performed in acute facilities, per admission paid by the beneficiary. Where performed in an acute facility by a doctor who is part of the Scheme's value-based network, the first R6 650 in respect of the hospital account is paid by the beneficiary.

Discovery classic smart plan 2026, p5

Medicine on discharge

Not covered. Medication and materials billed by hospital as TTO — Save for cover contained in Annexure 7, TTOs are not covered from Hospital Benefits, but paid from Chronic Illness Benefit where applicable. Subject to Chronic Illness Benefit

Discovery classic smart plan 2026, p14

HIV/AIDS

HIV/AIDS and AIDS-related treatment — Basis of cover is contained in Annexure 7. Unlimited. Post-exposure HIV prophylaxis following occupational exposure, traumatic exposure or sexual assault — Up to a maximum of 100% of cost. Unlimited. HIV prophylaxis for mother-to-child transmission — Up to a maximum of 100% of cost. Unlimited

Discovery classic smart plan 2026, p14

Travel cover

International Travel Benefit as set out in Annexure B — Basis of cover 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. R5 000 000 per person per journey, for both in- and out-of-hospital treatment

Discovery classic smart plan 2026, p18

Organ and stem cell transplants

Stem cell and organ transplants (pre-transplant work-up, in-hospital treatment, post-transplant treatment, immunosuppressive drugs, and donor costs) — 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. Basket of care as set by the Scheme specific to transplant

Discovery classic smart plan 2026, p2

Planned PMB procedures

Health care services reflected in Annexure 9 in a defined list of network facilities — Up to a maximum of 100% of the Discovery Health Rate at the Scheme's defined list of day-surgery providers. A R12 650 Deductible shall be payable by the beneficiary in respect of the hospital account for elective admission at a facility which is not a network facility. Up to a maximum of 200% for the Discovery Health Rate for related accounts. Medicines paid at 100% of the Discovery Health Medication Rate.

Discovery classic smart plan 2026, p2

Planned PMB procedures

Hip and knee joint replacements — 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. Unlimited at a network provider

Discovery classic smart plan 2026, p11

Planned PMB procedures

Cataract surgery — Up to a maximum of 100% of the Discovery Health Rate for the hospital account at a network facility. 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. Unlimited

Discovery classic smart plan 2026, p13

Planned PMB procedures

In-and out-of-hospital management for spinal care and surgery for a defined list of clinically appropriate procedures which include Lumbar Fusion, Cervical Fusion, Laminectomy, Laminotomy — Up to a maximum of 100% of the Discovery Health Rate for the hospital account at a network facility. 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. Unlimited at a network provider for in-hospital treatment

Discovery classic smart plan 2026, p12

Internal prostheses

Shoulder joint prostheses — Up to a maximum of 100% of the Discovery Health Rate. Network supplier: Unlimited if prosthesis is supplied by the Scheme's network provider. Non-network supplier: R46 000 per prosthesis per admission if prosthesis is not supplied by the Scheme's network provider. The prostheses accumulate to the limit. The balance of the hospital and related accounts do not accumulate to the annual limit.

Discovery classic smart plan 2026, p11

Internal prostheses

Cardiac stents and balloons — Up to a maximum of 100% of the Discovery Health Rate. Network supplier: Unlimited if supplied by the Scheme's network provider. Non-network supplier: Drug-eluting stent: R14 950 per stent per admission; Bare metal stent limit: R10 650 per stent per admission; Drug-eluting balloon: R13 800 per balloon per admission if not supplied by the Scheme's network provider.

Discovery classic smart plan 2026, p12

Internal prostheses

Internal nerve stimulators — Up to a maximum of 100% of the Discovery Health Rate. R192 000 per person per year. The device accumulates to the limit. The balance of the hospital and related accounts do not accumulate to the annual limit.

Discovery classic smart plan 2026, p11

Internal prostheses

Spinal prostheses and/or devices — Up to a maximum of 100% of the Discovery Health Rate. Maximum of one procedure per person per year. Network supplier: Unlimited if prosthesis is supplied by the Scheme's network provider. Non-network supplier: R18 900 per person for one spine level; R37 800 per person for two or more spine levels if prosthesis is not supplied by the Scheme's network provider.

Discovery classic smart plan 2026, p13

Internal prostheses

Intra-ocular lenses for cataract surgery — Up to a maximum of 100% of the Discovery Health Rate. Covered in full when supplied by the Scheme's preferred suppliers, otherwise covered up to the Discovery Health Rate for the lens.

Discovery classic smart plan 2026, p13

Mental health admissions

Management of mental health disorders — 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. Up to 21 days in-hospital, for conditions as defined in Annexure A of the Regulations. All other conditions up to 21 days in-hospital

Discovery classic smart plan 2026, p9

Mental health admissions

Alcohol and drug rehabilitation — Basis of cover is contained in Annexure 7. 21 days in-hospital treatment per person per year

Discovery classic smart plan 2026, p9

MRI, CT and PET scans

MRI and CT 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. If done for conservative back or neck treatment or unrelated to admission, the first R4 000 paid by the member and the balance from Health Care Cover up to a maximum of 100% of the Discovery Health Rate. Unlimited

Discovery classic smart plan 2026, p4

Dialysis

Chronic Dialysis — Up to a maximum of 100% of Discovery Health Rate at the Scheme's network provider. 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. Unlimited

Discovery classic smart plan 2026, p9

Palliative care

Advanced Illness Benefit — 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. Unlimited

Discovery classic smart plan 2026, p14

Cancer treatment

Non-PMB oncology (Oncology Treatment Programme): 100% of DHR up to a Threshold Claim Amount of R250,000 per person per 12-month cycle, then 80% of DHR with no overall limit. PMB oncology unlimited via DSP; non-network 80% DHR (20% co-pay).

Discovery annexure 8a oncology treatment programme 2026, p1

Specialised (biological) medicine in hospital

Not covered. The Specialised Medicine and Technology Benefit is not available on this plan.

Discovery 2026 specialised medicine and technology benefit, p2

Planned PMB procedures

Benefit for out-of-hospital management and appropriate supportive treatment of specific global World Health Organisation (WHO) recognised disease outbreaks: COVID-19, Mpox — In addition to cover contained in Annexure 7, up to a maximum of 100% of the Discovery Health Rate. Basket of care as set by the Scheme per condition

Discovery classic smart plan 2026, p18

Fertility treatment

Not covered. Assisted Reproductive Therapy Benefit not available on this plan — the benefit is available on the Executive Plan and Comprehensive Series only.

discovery- 2026 - assisted reproductive therapy benefit, p2

Day to day

GP visits

Discovery classic smart plan 2026, p22

GP visits

Not covered. GPs not in the network: No cover except in emergencies

Discovery classic smart plan 2026, p22

Specialist visits

Discovery classic smart plan 2026, p22

Physiotherapy and other therapists

Discovery classic smart plan 2026, p22

Basic X-rays

Discovery classic smart plan 2026, p22

Blood tests (pathology)

Discovery classic smart plan 2026, p1

MRI, CT and PET scans

MRI and CT Scans — The first R4 000 in respect of each out-of-hospital MRI and CT scan is payable by the member and the balance is payable from Health Care Cover up to a maximum of 100% of the Discovery Health Rate. Subject to the treatment meeting the Scheme's treatment guidelines and managed care criteria. Subject to referral by an appropriate specialist. Unlimited

Discovery classic smart plan 2026, p22

Prescribed medicine (acute)

Discovery classic smart plan 2026, p22

Over-the-counter medicine

Over-the-counter medication (schedule 0 - 2 medication) — Up to 100% of the Discovery Health Medicine Rate at a network pharmacy. A defined list of exclusion categories apply. R905 per family per year

Discovery classic smart plan 2026, p22

Basic dentistry

Dental check-up — Up to a maximum of 100% of the Discovery Health Rate subject to a R130 co-payment by the member. One check-up per beneficiary per year

Discovery classic smart plan 2026, p22

Specialised dentistry

Not covered. All dental appliances and prostheses and the placement of such appliances/prostheses as well as orthodontics (surgical and non-surgical) are paid by the beneficiary.

Discovery classic smart plan 2026, p7

Eyes (optometry)

Eye test — Up to a maximum of 100% of the Discovery Health Rate at a network provider. Subject to a R75 co-payment by the member. One test per beneficiary per year

Discovery classic smart plan 2026, p22

Psychologist and counselling visits

Management of mental health disorders — Up to a maximum of 200% of the Discovery Health Rate for related accounts in a network facility. Up to 21 days in-hospital, or up to 15 out-of-hospital consultations, for conditions as defined in Annexure A of the Regulations

Discovery classic smart plan 2026, p9

Maternity care (out of hospital)

Out-of-hospital healthcare services related to pregnancy and delivery — 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. Services: antenatal classes and/or postnatal visits: 5 consultations or classes per pregnancy and/or delivery; antenatal consultations: 8 per pregnancy; prenatal screening including chromosome testing or Non Invasive Prenatal Testing (NIPT): 1 per pregnancy; pregnancy scans: 2 per pregnancy; blood tests: 1 routine basket of pregnancy tests per pregnancy; postnatal consultations for complications post delivery: 1 per delivery; dietician nutrition assessment: 1 during pregnancy or after delivery; mental health consultations: 2 during pregnancy or after delivery; consultations for infants: 2 per child

Discovery classic smart plan 2026, p20

Procedures in the doctor’s rooms

Gastroscopies, colonoscopies, proctoscopies and sigmoidoscopies performed in-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 by the beneficiary. Where both a gastroscopy and colonoscopy are performed, the first R3 100 is paid by the beneficiary. 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 smart plan 2026, p6

Medical appliances

External Medical Items (EMI) including those supplied by orthotists and prosthetists — Up to a maximum of the Discovery Health Rate. Unless part of a defined benefit those listed in Annexure 6 are for member's own account. Those not listed in Annexure 6: Unlimited

Discovery classic smart plan 2026, p14

Medical appliances

Not covered. External Medical Items (EMI) including those supplied by orthotists and prosthetists — No cover for out-of-hospital

Discovery classic smart plan 2026, p14

Hearing aids

Cochlear implants and auditory brain implants (including processors) and processor upgrades — Up to a maximum of 100% of the Discovery Health Rate. R252 000 per person per year. Processor upgrade limited to R190 000 per person every three years. 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 smart plan 2026, p10

Hearing aids

Bone Anchored/Transcutaneous Hearing Aids (BAHA) and processor upgrades — Up to a maximum of 100% of the Discovery Health Rate. R150 000 per person per year. Processor upgrade limited to R78 000 per person every three years. The device and processors accumulate to the limit. The balance of the hospital and related accounts do not accumulate to the limit.

Discovery classic smart plan 2026, p10

Casualty visits

Emergency Medical Services local — Up to a maximum of 100% of the Discovery Health Rate. Inter-hospital transfers subject to authorisation. Unlimited

Discovery classic smart plan 2026, p18

Chronic medicine (Chronic Disease List)

Medication for the chronic Prescribed Minimum Benefit conditions — 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. As contained in Annexure 7

Discovery classic smart plan 2026, p21

Auxiliary services

Home-based healthcare for clinically appropriate chronic and acute treatment and conditions that can be treated at home — In addition to cover contained in Annexure 7, up to a maximum of 100% of the Discovery Health Rate. A R5 450 deductible shall be payable by the beneficiary in respect of the hospital account for elective admissions at any private facility that is not a designated service provider. Basket of care as set by the Scheme

Discovery classic smart plan 2026, p3

Auxiliary services

Virtual urgent care consultations — 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. 4 consultations per family per year. Consultations in excess of the annual limit or those not meeting the Scheme's clinical entry criteria are payable by the member.

Discovery classic smart plan 2026, p10

Auxiliary services

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. Unlimited

Discovery classic smart plan 2026, p17

Care after a hospital stay

Over and above the DTPMB entitlement, this benefit also covers certain out-of-hospital healthcare services arising from an emergency, trauma-related event resulting in the following PMB conditions: Paraplegia, Quadriplegia, Near-drowning related injury, Severe anaphylactic reaction, Poisoning, Crime-related injury, Severe burns, External and internal head injuries, Loss of limb — Basis of cover as contained in Annexure B and up to a maximum of 100% of the Discovery Health Rate. External Medical Items: Limited to R28 900 per family per year, except for prosthetic limbs which shall be subject to a limit of R107 650 per person per year; Hearing aids: Limited to R17 850 per family per year; allied/therapeutic services and prescribed medicine per stated family-size sub-limits.

Discovery classic smart plan 2026, p19

Contraceptives

Not covered. No contraceptive benefit stated in the plan brochure; all claims not paid by Health Care Cover or the Chronic Illness Benefit are for the beneficiary's account.

Discovery classic smart plan 2026, p20

Screening and prevention

Screening and prevention

Screening Benefit A - Group of tests consisting of blood glucose test, blood pressure test, cholesterol test and Body Mass Index (BMI) — Up to a maximum of 100% of the Discovery Health Rate for group of tests at a network provider. Unlimited

Discovery classic smart plan 2026, p14

Screening and prevention

Screening Benefit B - Consist of appropriate tests (including self-sampling kits, where appropriate) and as determined by the Scheme: HIV screening, Mammogram, Prostate-Specific Antigen (PSA), colorectal and cervical cancer screening — Up to a maximum of 100% of the Discovery Health Rate for test code. One Mammogram every 2 years, one Pap Smear every 3 years or one HPV test every 5 years and one PSA test per person per year. One faecal occult blood test or immunochemical test every 2 years per person for persons between the ages of 45 to 75 years

Discovery classic smart plan 2026, p15

Screening and prevention

Screening Benefit C - Group of age appropriate tests including but not limited to growth assessment, blood pressure and health and milestone tracking — Up to a maximum of 100% of the Discovery Health Rate at a network provider, for children between the ages of 2 and 18. Unlimited

Discovery classic smart plan 2026, p15

Screening and prevention

Screening Benefit D – Group of age appropriate screening tests — Up to a maximum of 100% of the Discovery Health Rate at a network provider, for members 65 years and older. Unlimited

Discovery classic smart plan 2026, p15

Screening and prevention

Preventative Benefit - Seasonal Influenza Vaccination — Up to a maximum of 100% of the Discovery Health Medication Rate for the vaccination. One seasonal influenza vaccine per person per year. Seasonal flu vaccines in excess of the annual limit payable by the member. Note: Consultation and other healthcare services to administer the vaccine, paid by member.

Discovery classic smart plan 2026, p16

Screening and prevention

Preventative Benefit - Pneumococcal Vaccination — Up to a maximum of 100% of the Discovery Health Medication Rate for the vaccination. Up to 2 pneumococcal vaccine doses per person per lifetime. Note: Pneumococcal vaccines in excess of the limit and consultation and other healthcare services to administer the vaccine, paid by the member.

Discovery classic smart plan 2026, p16

Conditions

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

Discovery’s 2026 documents name no chronic conditions beyond the Chronic Disease List on Classic Smart.

Questions about Classic Smart

Answered from Discovery’s documents.

How much does Classic Smart cost in 2027?

From 1 January 2027: R3 257 a month for the main member, R2 571 for an adult dependant and R1 301 for a child. You pay for up to 3 children.

How much is Classic Smart going up for 2027?

For the main member, from R3 018 to R3 257 a month, +7.9%.

What happens if I use a hospital that isn't on the network?

For a planned admission at a hospital outside Discovery's network, the scheme charges a co-payment of R12 650.

Does Classic Smart pay for GP visits and day-to-day costs?

No. Classic Smart is a hospital plan, so day-to-day costs are your own.

How many chronic conditions does Classic Smart cover?

27, the conditions on the Chronic Disease List.

Will I have a shortfall if my specialist charges more?

Classic Smart 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.

Compare my picks →On this plan? Get help with it →All Discovery plans →Discovery 2027 price changes →Gap cover →

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.