Insurance against additional, unexpected heath-related expenses
Your employees already have medical scheme cover, but unexpected medical costs, including when healthcare professionals charge more than what their medical scheme pays, or when they have a life-changing event, can place significant financial strain on your employees and their families. Gap Cover from Discovery is a cost-effective solution that gives your employees additional financial protection against these unforeseen costs.
Discovery Gap Cover
Covers shortfalls on approved in-hospital specialist claims, specific out-of-hospital costs related to an approved hospital admission, and co-payments on approved cancer-related claims. Choose between two Discovery Gap Cover options to suit your needs.
Cover for specialist claims in hospital
In-hospital Specialist Gap Cover gives you cover of up to 500% of the medical scheme rate when your approved in-hospital specialist claim is higher than what your medical scheme pays your specialist.
Get additional in- and out-of-hospital cover based on your Vitality status
The Hospital Admission Benefit Extender provides additional gap cover of up to R15 000 per year, depending on your Discovery Vitality status, health plan type and family structure. It automatically covers gaps still experienced over and above what your medical scheme and In-hospital Specialist Gap Cover pays for.
If you select the Discovery Gap Comprehensive option, you will also be covered for shortfalls on specific out-of-hospital claims related to your authorised hospital admission.
Extended cover for cancer related claims,scopes and scans, international travel and in the third trimester of pregnancy
Provides cover of up to R100 000 a year for shortfalls on approved cancer-related claims once the medical scheme's oncology threshold has been reached. Your cover depends on the Discovery Gap Cover option you choose.
On the Discovery Gap Comprehensive option, you get a Travel Benefit Extender which provides cover for shortfalls on approved emergency medical claims incurred while you travel outside of South Africa.
You also get a Scopes and Scans Benefit Extender which provides cover for co-payments and deductibles that apply to MRI and CT scans out-of-hospital, and for endoscopies performed in-hospital
For more information speak to your financial adviser or download the application form. Discovery Gap Cover is a non-life insurance policy, underwritten by Discovery Insure Ltd, registration number 2009/011882/06, a licensed insurer and an authorised financial services provider. This is not a medical scheme and the cover is not the same as that of a medical scheme. This policy is not a substitute for medical scheme membership.