Are you prepared to use designated hospitals?:
Hospital Rate of Payment:
Unlimited at 200% of Discovery Health Rate (DHR)
Upfront Payments to hospitals:
If you use a hospital outside of the Delta Hospital Network there will be a upfront payment of R8 700. Admissions to a facility outside of the Delta Day Surgery Network, where applicable, results in a R8 700 upfront payment
Casualty / Emergency Visits:
Emergencies are covered in full, if the treatment meets the Discovery Health criteria. 2 kids casualty visits for children under 10
Specialists:
Full cover for specialists we have a payment arrangement with. Other specialists at 200% of DHR
Other healthcare professionals eg. Physio, Occupational, Dietician:
Scopes (gastroscopy, colonoscopy, sigmoidoscopy and proctoscopy):
The first R6 250 of the hospital account is paid from your available MSA. If both a colonoscopy and gastroscopy are performed in the same admission the amount increases to R6 250. No upfront payment if done in doctor's rooms
MRI and CT scans:
100% of DHR, if done as part of an approved admission. If not related to your admission. or for conservative back and neck treatment, the first R3 130 of the scan is paid from available MSA
Dialysis:
Covered in full if treatment is approved and you use a network provider. If a non-network provider is used Discovery pays up to 80% of the DHR
Organ Transplants:
Cover for transplant surgery explained on authorisation request. Discovery pay for appropriate, approved work-up costs for recipient, procurement of organ and necessary tests done on donor before harvesting organ, even if donor is not a member of DH
Oncology / Cancer:
Cover for the first R200 000 of your approved cancer treatment over a 12-month cycle in full at 100% of DHR. Cancer treatment that is a PMB is covered in full and adds up to the cover amount. 80% cover for additional costs
Neck and Back Operations:
No overall limit if you get your prosthesis from a preferred supplier. Limited to 1 procedure per beneficiary per annum
Joint Replacements:
No limit for planned hip and knee joint replacementsif you use a provider in our network.80% of the Discovery Health Rate (DHR) if you use a provideroutside our network up to a maximum of R30 900 for eachprosthesis for each admission.The network...
Medical and Surgical Appliances:
Maternity Confinements:
Subject to pre-authorisation. Unlimited at 100% of DHR
In Hospital Dentistry:
Upfront payments for dental admissions, dependant on age and place of treatment. Balance of hospital and related accounts are paid from hospital benefit at 100% of DHR. Severe Dental & Oral Surgery has a separate benefit for a defined list of procedures
Rehabilitation, Hospice and Step-down facilities:
21 days of rehabilitation per person per annum. 3 days per approved admission per person for detoxification
Treatment for Mental Health:
Covered in full at a network facility, or up to 80% of DHR at non-network facilities. Protocols apply. Up to 21 days for admissions or up to 15 out-of-hospital consultations pp
HIV / AIDS:
Subject to registration on the HIV programme. Choose a Premier Plus HIV Network GP and Specialist to manage your condition to avoid a 20% co-payment
International Travel Benefit:
Cover up to R5 million per person, per journey, for a period of 90 days, for emergency medical costs while travelling outside of SA
