How long is the waiting period for Discovery medical aid?

We apply 12-month condition-specific waiting periods, mandatory three-month general waiting period and late-joiner penalties. We will not consider any underwriting concessions. Important note: All application forms are valid for a period of 90 days from the date on which a member signs the application form.

Can I put my girlfriend on my Discovery medical aid?

Yes. If your boyfriend or girlfriend is living with you, you will be able to add them as an adult dependant to your medical aid – just as you would if they were your spouse.

How long does a Discovery claim take?

Fast Track your approved, specified electronic portable possession claim and we’ll replace the lost or stolen item within 48 hours. This service is available nationwide. We like to keep our promises so if we don’t deliver your item in time, we will waive the excess on your claim.

How do I speak to someone at Discovery?

Complaints, compliments or disputes

1. Contact us telephonically on 0860 99 88 77.
2. Get help faster with our Get Help Service on our website.
3. Chat to our Ask Discovery service bot on WhatsApp. Save our number, 0860 756 756 to your contacts and ask your question.

Does medical aid cover you immediately?

According to the Medical Schemes Act, medical aid schemes are entitled to impose a 3 months general waiting period and / or a 12 months condition specific waiting period(s) for any pre-existing medical condition(s). The Act makes specific provision for the imposition of waiting periods (and late joiner penalties).

Can I get medical aid if I’m not working?

Fortunately hospital plans either in the form of a medical aid or hospital cash back plan do not discriminate based on your employment status. In other words any person can have a hospital plan even if they are unemployed.

Can my ex wife stay on my medical aid?

Very Important points to remember during divorce: When you and your ex agrees that you will remain on his / her medical aid, then it should be written into your agreement and it should specify on which plan you will be covered and the type of cover for example a comprehensive scheme.

Can my boyfriend add me to his medical insurance?

How Can You Add a Partner to Your Health Plan? Every insurance plan is different. Ask your plan administrator how to add your partner to your insurance. They’ll be able to tell you what kind of insurance your partner can receive, and what forms must be filled out so that your partner can be added as soon as possible.

How do Discovery claims work?

Claims will be paid directly to the healthcare professional when they bill the Discovery Health Rate. If the healthcare professional claims more than the Discovery Health Rate, the Scheme will reimburse you and you will be required to pay the full amount to the healthcare provider.

How do I claim money from Discovery?

You can choose from any of these ways, depending on what suits you better:

1. Claim using the Discovery app on your smartphone.
2. Claim online at www.discovery.co.za without even having to speak to anyone.
3. Claim by calling us at 0860 751 751.
4. Claim through your financial adviser.

What is above threshold benefit at Discovery?

The Above Threshold Benefit (ATB) gives you extra cover when your claims add up to a set amount called the Annual Threshold, if you are on an Executive, Comprehensive or Priority plan.

How do I get Discovery authorization?

Want to get pre-authorisation for hospital stays or find out about going to hospital. www.discovery.co.za/portal/individual/going-to-hospital. You will need to be logged into the website to apply for authorisation.

What is the cheapest medical aid in SA?

Medical Aid under R1000

• Bonitas – Boncap Student. Affordable, income-based medical aid for students.
• Health Squared – Foundation.
• Resolution Health – Foundation.
• Momentum – Ingwe Option.
• Momentum – Ingwe-Student Plan.

What is the age limit for medical aid?

In fact this applies to any child under the age of 18 years old. A medical scheme requires that the main member be at least 18 years or older and then the dependents on the medical aid can join irrespective of their age. A child under 18 years cannot be the main member or only member on a medical aid.

Can I get medical aid if I am self-employed?

For younger healthier persons who are self-employed, the medical aid which is more often than not the most sufficient for their medical aid needs is an entry-level hospital plan designed to cover any major medical procedures that they may need.

Can I remove my wife as beneficiary?

Do I Have to Disinherit My Ex-Spouse? In California, your spouse is removed as a recipient in your will automatically, but it is still better to be clear of what your intentions are.

What happens to medical aid when main member dies?

Who pays the monthly premium once the main member has died? If membership is continued, the new main member will continue to pay the monthly premiums. However the members do have an option to resign from the current medical aid and take out a new plan.

Can I put my live in girlfriend on my health insurance?

1 Answer. In order to add someone to your health insurance policy, you must first show an insurable interest. That generally limits the people you can add to immediate relatives such as your spouse, children, or dependent parents and grandchildren.

How do I claim money back from medical aid?

You can normally do this via email, fax or post. There are generally two ways to claim for medical aid: either you can do it yourself, or your healthcare professional can do it on your behalf. Many healthcare providers ask that you settle with them first and then claim the money back afterwards.

Does Discovery pay for specialists?

Cover for Specialists We pay up to 200% of the Discovery Health Rate (DHR) on Classic plans, and up to 100% of the DHR for Essential and Coastal plans for specialists that we do not have a payment arrangement with, as long as their accounts are part of an approved hospital admission.

How does annual threshold work for Discovery?

Annual Threshold We add up the Discovery Health Rate of the day-to-day claims you send us. When your day-to-day claims reach a fixed rand amount – what we call the Annual Threshold – we pay claims from the Above Threshold Benefit, if you are on an Executive, Comprehensive or Priority plan.

Does Discovery pay for emergency?

You can go to any private hospital in an emergency. If you are admitted to hospital, we cover your emergency hospital admission. There is no overall limit for hospital cover on your health plan.

Which is the best Discovery hospital plan?

For Discovery, its Classic Saver plan is by far the most popular, with 680,000 beneficiaries (25%) attached to the plan. Half of all Discovery beneficiaries are on a Saver plan, which bundles in medical savings for a higher monthly contribution (a portion of the fee goes into savings).