Discovery Health - Gap Comprehensive: Essential & Coastal Gap Cover

Discovery Health - Gap Comprehensive: Essential & Coastal Gap Cover

Discovery’s Comprehensive gap cover provides in-hospital cover for medical expense shortfalls at up to 500% of the medical scheme tarriff.

It also offers extended gap cover benefits for hospital admission (including gap cover for private ward fees); oncology; scopes and scans; and medical emergencies while travelling.

Discovery's Gap Comprehensive: Essential & Coastal gap cover is available to existing members of Discovery Health Essential or Coastal medical aid plans.

Gap Cover Benefits

Co-payment benefit

Subject to R15 000 benefit mentioned under Outpatient Cover Benefit listed below. Co-payments or Deductibles on hospital account for endoscopic procedures and MRI / CT scans out of Hospital. Subject to R185 000 overall limit per insured person per annum.

Dental benefit

No Benefit

Diagnosis benefit

No Benefit

Emergency/casualty benefit

No Benefit

Full time students over 21

Covered, as long as they are registered as medical scheme dependants

Gap cover limits

R185 000 overall limit per insured person per annum

Gap cover percentage benefit

500% of the Discovery Health rate over and above what your option covers and with no limit on the number of times you may claim per year.

Lives Covered

Main member and all dependants registered on Main member's medical scheme. Not available to Keycare members

Maximum entry age

There is no maximum entry age applicable

Oncology benefit

Depending on how many years you have been on Discovery Gap Cover, the following payments will be made to you via the Oncology Benefit Extender, once your oncology benefit limit has been reached - On Executive, Comprehensive Plans and their equivalents - Up to R100 000. On all other plans - up to R40 000

Oncology supplementary benefit

No Benefit

PMB cover

No Benefit

Sub-limit benefit

No Benefit

Trauma counselling

No Benefit

Gap Cover Contributions


Individuals (0 - 54 years)

R 388

Individuals (55 - 64 years)

R 710

Individuals (65+ years)

R 943

Families (0 - 54 years)

R 885

Families (55 - 64 years)

R1 352

Families (65+ years)

R1 778

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