Malcor Medical Scheme
Restricted scheme · CMS Reg. 1547 · Administered by Discovery Health (Pty) Ltd
Overview
Malcor Medical Aid Scheme is a registered non-profit restricted membership medical scheme regulated by the Council for Medical Schemes in terms of the Medical Schemes Act No. 131 of 1998. The Scheme is domiciled in the Republic of South Africa and administered by Discovery Health (Pty) Ltd.
Source: Malcor Medical Scheme Privacy page; Malcor 2023 Annual Financial Statements.
Membership Profile
Malcor is a smaller restricted medical scheme. Granular membership counts are published in the Scheme's annual report; the 2023 Annual Financial Statements are publicly available on the Scheme's website.
Financial Health
Malcor reports solvency above the 25% statutory minimum. Detailed figures are published in the Scheme's annual financial statements; the latest publicly available is for the year ended 31 December 2023.
Plans & Options
Plan options for the current year are published on the Malcor website and supplied with member benefit guides. Mediscor has historically been used for chronic medicine pre-authorisation under defined arrangements.
Source: Malcor Medical Scheme Find-a-Document page.
Key Benefits & Differentiators
Discovery infrastructure with restricted-scheme pricing. Members access Discovery's operational scale (claims, hospital networks, telehealth) at restricted-scheme contribution levels.
All plans cover the 27 PMB Chronic Disease List conditions.
Wellness & Loyalty
Members may access Discovery Vitality on an opt-in basis through the Discovery administration relationship.
Claims & Service
Claims processed via Discovery Health systems — Discovery app, online portal, email, and provider direct-billing.
How the Scheme Is Set Up
Structurally suited only to members of qualifying restricted-scheme employer groups eligible for Malcor membership.
Eligibility & Continuation
Who can join: Members of qualifying restricted-scheme employer groups eligible for Malcor membership. Confirm eligibility with the Scheme directly.
On leaving a qualifying employer: Continuation rules apply per Scheme Rules. Non-retiring leavers generally need to transfer to another scheme.