The Smart Series

Affordable in-hospital cover, chronic cover and day-to-day benefits

 

Here's what you get:

  • Unlimited private hospital cover in the Smart Hospital Network
  • Guaranteed full cover in hospital for specialists who we have a payment arrangement with, and up to 200% of the DHR on Classic and up to 100% of the DHR on Essential for other healthcare professionals
  • Full cover for chronic medicine on our formulary for all Chronic Disease List conditions on our medicine list when you use a network pharmacy.
  • Cover for comprehensive pre- and postnatal healthcare services and early childhood
  • Day-to-day cover for your GP consultations, acute medicine cover for over-the-counter (OTC) medicine, eye and dental check-up and sports-related injuries, with fixed co-payments and/or limits. This cover depends on the plan you choose
  • Cover for medical emergencies when travelling

Our Smart Plan

  Classic Essential Essential Dynamic
Hospital cover
Unlimited private hospital cover at a network hospital
Full cover with a specialist we have a payment arrangement with
Specialists we don't have a payment arrangement with are covered at a percentage of the Discovery Health Rate 200% 100% 100%
Other healthcare professionals are covered at a percentage of the Discovery Health Rate 200% 100% 100%
Chronic illness cover
Chronic condition: Cover for 27 Chronic Disease List conditions (once approved) according to the Prescribed Minimum benefits
Chronic medicine: Full cover for approved medicine on our medicine list at a designated service provider pharmacy
Cancer cover
We cover a set amount in full over a 12-month period. Costs above this amount attract a 20% co-payment. Prescribed Minimum Benefit conditions are covered in full. On Essential Smart we cover cancer treatment in our network. R250 000 R250 000 R250 000
Day-to-day cover
Unlimited GP consultations with a fixed co-payment for each consultation R65 R120 R120
One eye test at an optometrist with a fixed co-payment for the test R65 R120 R120
One dental check-up with a fixed co-payment for the check-up R120 R180 R180
Cover for acute medicine categories, up to an annual limit    
Cover for over-the-counter (OTC) medicine obtained from a network pharmacy
Cover for sports-related injuries: basic X-rays, two specialist visits and a total of four visits to either a physiotherapist, biokineticist or chiropractor when referred by a Smart Network GP. You will have to pay R120 for each visit    

This is only a summary of the key benefits. Please consult the health plan guide for more details. Discovery Health Medical Scheme Rules apply.

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