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Flexicare is designed to cover a range of everyday healthcare outside of hospital. By being on Flexicare, you have the option to add cover for emergency hospital cover, for an additional monthly premium, added to your Flexicare premium. This additional health or medical insurance is called Discovery Emergency Cover.

The minimum age is 18 for an individual to join Flexicare as a main member or policy holder. There is no maximum age or age limits for dependants.

Heart attacks and strokes will be covered if a member has Emergency Cover Plus or Max. Flexicare is designed to cover a range of everyday healthcare outside of hospital. By being on Flexicare, you have the option to add cover for emergency hospital cover, which gives you cover for emergency treatment for Heart Attacks and Strokes as well as an extended range of emergency medical conditions. This additional health or medical insurance is called Discovery Emergency Cover , and can be added to your Flexicare cover for an additional monthly premium.

Flexicare is designed to give you access to quality private healthcare, at the most affordable price. For Flexicare to maintain its affordable monthly premiums, Waiting Periods are applied. These Waiting Periods are applied to all new Flexicare policies which includes members of previous medical schemes and health or medical insurances.

Dependants that can be added to your Flexicare policy are your spouse and child dependants. When your child turns 21 years of age, they will be classified as an adult dependant and the adult dependant premium will apply. There is no limit to the number of spouses and child dependants you can add to your Flexicare policy. Relatives outside of your spouse and child dependants, cannot be added as dependants on your Flexicare policy. These relatives will need to join Flexicare on their own policy. Examples of these relatives are Mother, Father, Sister, Brother, Aunt, Uncle etc

Yes, Flexicare Plus provides cover for medical specialists. Flexicare Plus covers 1 out-of-hospital specialist consultations per member per year, at the agreed rate up to R2,000. If you consult with a network specialist, Flexicare Plus covers the consultation fee up to R1,400 and x-rays or blood tests up to R600 - both accumulating to the R2,000 benefit limit. If the treatment costs more than the benefit limit, you will be responsible for the difference.

If you consult with a non-network specialist, your Flexicare Plus plan will cover up to 100% of the Discovery Health Rate and you will be responsible for the difference. If you are referred for blood tests or x-rays after the non-network specialist consultation, your Flexicare Plus plan will cover these costs subject to the availability of funds in the R2,000 benefit limit.

You will need to pay for the specialist consultation and x-rays or blood tests out of your own pocket at the time of the consult and submit your claim to Discovery to be refunded.

If you are not referred for x-rays or blood tests during the first consultations and visits another specialist afterwards, both the consultation and referrals for x-rays or blood tests from the second visit will not be covered as the benefit would be used up by the first consultation.

Flexicare is designed to give you access to quality private healthcare, at the most affordable price. We have over 2,000 doctors across South Africa on our network, and have carefully chosen these doctors to deliver the best care for Flexicare members. Additionally, Flexicare covers online doctor consultations which is easily accessible on www.discovery.co.za. Based on the vast network of doctors and online availability, Flexicare does not cover non-network doctor consultations

For new members joining Flexicare, you will receive a Flexicare welcome message on WhatsApp on the day you join Flexicare. This message let's you view and download your digital membership card and gives you your membership number - this is accepted by all healthcare providers on the Flexicare network. You can also follow the instructions in this message to request a physical membership card should you need one. Physical membership cards are delivered within 4 to 6 weeks of your request.

You can easily see the Flexicare network of healthcare providers by using Ask Flexicare on WhatsApp on 0860 444 779. Our friendly chatbot will direct you to our Find a Provider tool, which lets you see network providers near you and make a booking. You can also view the Flexicare network lists on this page using the Find network doctors option below.

Flexicare will allocate your network doctor when we receive the first claim for your consultation with them. If you want to change your network doctor at a later stage, you can ask for this by using Ask Flexicare on WhatsApp on 0860 444 779 or calling us on 0860 444 779. You can only have 1 chosen doctor at a time and you can change your doctor 2 times a year.

You can only have 1 chosen doctor at a time and you can change your doctor 2 times a year. To change your network doctor, you can ask for this by using Ask Flexicare on WhatsApp on 0860 444 779 or calling us on 0860 444 779.

No, Flexicare is not a medical aid. Medical schemes are governed by the Medical Schemes Act. Under this Act, all schemes must pay for a basic level of care for 27 chronic conditions and 270 diseases. These are called Prescribed Minimum Benefits, or PMBs. As a member of a medical scheme, you pay a monthly contribution for financial cover for your medical expenses. The amount you pay depends on the medical plan you have chosen. Medical aid membership costs more than health insurance because it gives you access to a wider range of benefits and cover options, from cover for healthcare like visits to doctors, nurses, dentists, optometrists and so on, all the way to covering hospital stays. To avoid paying over and above your monthly premium to access care, you may have to use healthcare providers and facilities that belong to your medical scheme's networks - again this depends on the medical plan you have chosen. Contributions to a medical aid are tax deductible in South Africa.

Flexicare is a health insurance product. Health or medical insurance is governed by long-term and short-term insurance laws. Health insurance pays out a set amount for your medical expenses. To keep health insurance products affordable, they focus mostly on out-of-hospital, everyday healthcare expenses such as going for a consultation with a nurse or doctor, getting medicine, and basic dentistry. Usually, they have rules about using specific healthcare providers in their network. If you don't use these providers, then the health insurance won't pay out. Some health or medical insurance products include a fixed payout for being stabilised in hospital in an emergency. Health or medical insurance can also include additional cover options, such as emergency cover for trauma and accidents. These extra benefits may cost you a little more each month.

Flexicare does not have a standard App. To access digital tools for Flexicare, you can visit www.discovery.co.za. Once logged in you will have access to a range of tools available on your mobile or desktop browser. You can save the page to your home screen and access them from your home screen, alongside your other apps when you need to access your Flexicare digital tools.

As the administrator for Flexicare and Discovery Health Medical Scheme, Discovery Health ensures that your claims are paid timeously and your membership administration and servicing is delivered. As the medical scheme and health insurance are separate products, each product has its own plan range, benefits and membership information. So not to add an administrative burden on you to determine which products should provide cover for different services, we do not allow members to be on both products at the same time.

No, Flexicare is a health or medical insurance product that provides cover with South Africa. Therefore, Flexicare may not be appropriate to use for your visa application.

If you experience a trauma or accident event and have Discovery Emergency Cover you can go to any casualty unit for treatment where you will be treated for the medical emergency and be stabilised in order for you to be discharged. Additional cover is available through Discovery Emergency Cover if you need in-hospital emergency medical care. This cover depends on your chosen Discovery Emergency Cover plan.

No, nurse consultations are not available on Flexicare Plus. Flexicare Plus gives you access to unlimited network doctor consultations. The introduction of nurse consultations is designed for the Flexicare Core option.

DebiCheck is an initiative mandated by the South African Reserve Bank, and used by the banking industry across South Africa. DebiCheck allows you to electronically approve any new debit orders processed from your bank account and to ensure that the debit order is in line with your agreed contract with different providers.

Flexicare uses DebiCheck to ensure that your monthly premium is deducted from your bank account so that you can enjoy continued access to quality private healthcare.

Learn more about DebiCheck