Discovery Classic Smart Comprehensive: 2027 contributions and benefits

At a glance

Plan type: Comprehensive plan
Hospitals: Network hospitals
Hospital and specialists: 200% of Scheme tariff
Savings account: R1 286 a month for the main member (15%)
Chronic conditions: 27 (Chronic Disease List)
Cancer: R375 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	R8 576	R9 343	+8.9%
Adult dependant	R7 920	R8 628	+8.9%
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

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 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 smart comprehensive 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 comprehensive plan, p3

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 comprehensive plan, p3 (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 R375 000 a year.

Discovery annexure 8a oncology treatment programme, p2

Cancer

2027 not in our records yet. 2026: Up to R375 000 a year.

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

Day to day

Medical savings account

15% of your contribution goes into a savings account for day-to-day costs.

Discovery classic smart comprehensive plan, p19

Medical savings account

2027 not in our records yet. 2026: 15% of your contribution goes into a savings account for day-to-day costs.

Discovery classic smart comprehensive plan, p19 (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

Before the Annual Threshold is reached 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. Any amount paid from Health Care Cover shall not accumulate to Threshold.

Discovery classic smart comprehensive plan 2026, p25

GP visits

2027 not in our records yet. 2026: Before the Annual Threshold is reached 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. Any amount paid from Health Care Cover shall not accumulate to Threshold.

Discovery classic smart comprehensive plan 2026, p25 (2026)

Specialist visits

Specialists 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 smart comprehensive plan 2026, p25

Specialist visits

2027 not in our records yet. 2026: Specialists 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 smart comprehensive plan 2026, p25 (2026)

Prescribed medicine (acute)

Prescribed medication for schedule 3 and above medication 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 smart comprehensive plan 2026, p26

Prescribed medicine (acute)

2027 not in our records yet. 2026: Prescribed medication for schedule 3 and above medication 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 smart comprehensive plan 2026, p26 (2026)

Basic dentistry

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. Claims paid from MSA and once in ATB accumulate to the benefit limit.

Discovery classic smart comprehensive plan 2026, p26

Basic dentistry

2027 not in our records yet. 2026: 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. Claims paid from MSA and once in ATB accumulate to the benefit limit.

Discovery classic smart comprehensive plan 2026, p26 (2026)

Eyes (optometry)

Optometry consultations and optometry not otherwise specified 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 smart comprehensive plan 2026, p29

Eyes (optometry)

2027 not in our records yet. 2026: Optometry consultations and optometry not otherwise specified 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 smart comprehensive plan 2026, p29 (2026)

Basic X-rays

X-rays and radiology not otherwise specified Paid from MSA first and then Limited ATB up to a 100% of the Discovery Health Rate. Accumulation to the Threshold up to a maximum of the Discovery Health Rate.

Discovery classic smart comprehensive plan 2026, p28

Basic X-rays

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

Discovery classic smart comprehensive plan 2026, p28 (2026)

Blood tests (pathology)

Pathology Paid from MSA first and then Limited ATB up to a 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 smart comprehensive plan 2026, p27

Blood tests (pathology)

2027 not in our records yet. 2026: Pathology Paid from MSA first and then Limited ATB up to a 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 smart comprehensive plan 2026, p27 (2026)

Full benefit list

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

In hospital

Surgery and anaesthetics

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 Specialists: Up to a maximum of 200% of Discovery Health Rate. Doctors and allied healthcare service providers while hospitalised Up to a maximum of 200% of the Discovery Health Rate.

Discovery classic smart comprehensive plan 2026, p1

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. Unlimited

Discovery classic smart comprehensive plan 2026, p1

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 smart comprehensive plan 2026, p2

Day procedures

A R12 650 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 smart comprehensive plan 2026, p3

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.

Discovery classic smart comprehensive plan 2026, p1

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.

Discovery classic smart comprehensive plan 2026, p2

Dialysis

Chronic 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. Unlimited

Discovery classic smart comprehensive plan 2026, p8

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 21 days in-hospital, or up to 15 out-of-hospital consultations, for conditions as defined in Annexure A of the Regulations. All other conditions up to 21 days in-hospital

Discovery classic smart comprehensive plan 2026, p9

Mental health admissions

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

Discovery classic smart comprehensive plan 2026, p9

MRI, CT and PET scans

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

Discovery classic smart comprehensive plan 2026, p4

Internal prostheses

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.

Discovery classic smart comprehensive plan 2026, p11

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: R51 500 per prosthesis per admission if prosthesis is not supplied by the Scheme's network provider

Discovery classic smart comprehensive plan 2026, p11

Internal prostheses

Spinal prostheses and/or devices 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: R27 000 per person for one spine level if prosthesis is not supplied by the Scheme's network provider R53 950 per person for two or more spine levels if prosthesis is not supplied by the Scheme's network provider

Discovery classic smart comprehensive plan 2026, p12

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 if not supplied by the Scheme's network provider Bare metal stent limit: R10 650 per stent per admission if not supplied by the Scheme's network provider Drug-eluting balloon: R13 800 per balloon per admission if not supplied by the Scheme's network provider

Discovery classic smart comprehensive plan 2026, p13

Medicine on discharge

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 or from the MSA or Limited ATB as per the Prescribed Medication Benefit.

Discovery classic smart comprehensive plan 2026, p15

HIV/AIDS

HIV/AIDS and AIDS-related treatment Basis of cover is contained in Annexure 7. Unlimited

Discovery classic smart comprehensive plan 2026, p14

Travel cover

International Travel Benefit as set out in Annexure B Up to 100% of the cost for in- and out-of-hospital treatment... 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 smart comprehensive plan 2026, p20

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 admissions at a facility which is not a network facility.

Discovery classic smart comprehensive plan 2026, p3

Step-down and sub-acute care

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. Basket of care as set by the Scheme

Discovery classic smart comprehensive plan 2026, p3

Cancer treatment

Non-PMB oncology (Oncology Treatment Programme): funded at 100% of the Discovery Health Rate up to a Threshold Claim Amount of R375,000 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

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

Discovery 2026 specialised medicine and technology benefit, p2

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 smart comprehensive plan 2026, p23

Palliative care

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

Discovery classic smart comprehensive plan 2026, p14

Day to day

GP visits

Discovery classic smart comprehensive plan 2026, p25

GP visits

Consultations at a non-Smart Network GP paid from MSA. Accumulation to the Threshold up to a maximum of the Discovery Health Rate. Once the Threshold is reached payment from Limited ATB up to a maximum of 100% of the Discovery Health Rate.

Discovery classic smart comprehensive plan 2026, p25

GP visits

Pharmacy clinic consultation with or without video call consultation with a General Practitioner 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 smart comprehensive plan 2026, p25

Specialist visits

Discovery classic smart comprehensive plan 2026, p25

Prescribed medicine (acute)

Discovery classic smart comprehensive plan 2026, p26

Over-the-counter medicine

Over the counter medication (OTC) inclusive of schedule 0, 1 and 2 drugs whether prescribed or not, and products that are considered lifestyle enhancing Paid from MSA with no accumulation to Threshold and not covered from Limited ATB.

Discovery classic smart comprehensive plan 2026, p27

Alternative healthcare

Other alternative allied healthcare services as listed in Annexure 1 Paid from MSA with no accumulation to Threshold and not covered from Limited ATB.

Discovery classic smart comprehensive plan 2026, p28

Medical appliances

External Medical Items (EMI) including those supplied by orthotists and prosthetists 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 MSA and once in ATB accumulate to the benefit limit.

Discovery classic smart comprehensive plan 2026, p29

Chronic medicine (Chronic Disease List)

Medication for the chronic Prescribed Minimum Benefit conditions Save for medication contemplated in clause 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 smart comprehensive plan 2026, p24

Basic dentistry

Discovery classic smart comprehensive plan 2026, p26

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 smart comprehensive plan 2026, p7

Specialised dentistry

Severe dental and oral procedures reflected in Annexure 3 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 R12 650 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 smart comprehensive plan 2026, p6

Casualty visits

Non-PMB trauma services obtained from a casualty unit 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 smart comprehensive plan 2026, p26

Casualty visits

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

Discovery classic smart comprehensive plan 2026, p19

Hearing aids

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 ATB accumulate to the benefit limit.

Discovery classic smart comprehensive plan 2026, p29

Eyes (optometry)

Discovery classic smart comprehensive plan 2026, p29

Eyes (optometry)

Spectacles, frames, contact lenses, intra-ocular lenses, refractive eye surgery and other health care services to treat errors of refraction irrespective of cause 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 smart comprehensive plan 2026, p30

Blood tests (pathology)

Discovery classic smart comprehensive plan 2026, p27

Physiotherapy and other therapists

Allied and therapeutic healthcare services including: acousticians, biokineticists, chiropractors, dieticians, homeopaths, nursing providers, occupational therapists, physiotherapists, podiatrists, psychometrics, counsellors, speech and hearing therapists, psychology and social workers 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 smart comprehensive plan 2026, p28

Basic X-rays

Discovery classic smart comprehensive plan 2026, p28

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 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 the treatment meeting the Scheme's treatment guidelines and managed care criteria. Subject to referral by appropriate specialist.

Discovery classic smart comprehensive plan 2026, p28

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 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 smart comprehensive plan 2026, p6

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. Services in excess of the limit paid from MSA and Limited ATB. Limits apply for the duration of the pregnancy.

Discovery classic smart comprehensive plan 2026, p22

Maternity care (out of hospital)

Antenatal classes 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.

Discovery classic smart comprehensive plan 2026, p30

Psychologist and counselling visits

Management of Mental health disorders Up to a maximum of 200% of the Discovery Health Rate for related accounts. 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 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 smart comprehensive plan 2026, p21

GP visits

Discovery classic smart comprehensive plan 2026, p25

GP visits

Discovery classic smart comprehensive plan 2026, p25

Specialist visits

Discovery classic smart comprehensive plan 2026, p25

Prescribed medicine (acute)

Discovery classic smart comprehensive plan 2026, p26

Medical appliances

Discovery classic smart comprehensive plan 2026, p29

Basic dentistry

Discovery classic smart comprehensive plan 2026, p26

Specialised dentistry

Discovery classic smart comprehensive plan 2026, p7

Casualty visits

Discovery classic smart comprehensive plan 2026, p26

Hearing aids

Discovery classic smart comprehensive plan 2026, p29

Eyes (optometry)

Discovery classic smart comprehensive plan 2026, p29

Eyes (optometry)

Discovery classic smart comprehensive plan 2026, p30

Blood tests (pathology)

Discovery classic smart comprehensive plan 2026, p27

Physiotherapy and other therapists

Discovery classic smart comprehensive plan 2026, p28

Basic X-rays

Discovery classic smart comprehensive plan 2026, p28

Maternity care (out of hospital)

Discovery classic smart comprehensive plan 2026, p30

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. Subject to meeting the Scheme's clinical entry criteria. Unlimited

Discovery classic smart comprehensive plan 2026, p15

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

Discovery classic smart comprehensive plan 2026, p15

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 Comprehensive.

Questions about Classic Smart Comprehensive

Answered from Discovery’s documents.

How much does Classic Smart Comprehensive cost in 2027?

From 1 January 2027: R9 343 a month for the main member, R8 628 for an adult dependant and R2 181 for a child. You pay for up to 3 children.

How much is Classic Smart Comprehensive going up for 2027?

For the main member, from R8 576 to R9 343 a month, +8.9%.

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 Comprehensive have a medical savings account?

Yes. 15% 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 Smart Comprehensive cover?

27, the conditions on the Chronic Disease List.

Will I have a shortfall if my specialist charges more?

Classic Smart 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.

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.