©Peter Pyburn 2010 Discovery Health Medical AidDISCOVERY HEALTH MEDICAL AID
Discovery Health invented the New Generation Medical Aid that lets you take control of your health and manage your day-to-day spend. Each plan covers you for hospitalisation, chronic medicine, with many giving effective out of hospital cover.
A very financially secure scheme.What Discovery Health offers you...
HOSPITAL COVER:(Certain clinical protocols and sub-limits apply)
- No overall annual limits at any hospital you choose!
Use linked providers and your claims are paid in full! (Claims are paid in full and directly to the specialists) Use a Network of hospitals and get discounted rates! Post hospital Trauma benefit for conditions like paraplegia, near drowning, severe burns, crime-related trauma and certain head injuries. No co-pay on hospital account for dental procedures on children under 12 years of age! Hip and knee prosthetics are guaranteed if suppliers linked to Discovery are used.
OUT OF HOSPITAL
- Allocated "saving" funds are used to pay these costs with some plans offering a safety net if funds are used. (certain plans only)
- The full cost of your GP consultation fees paid if you go to a GP in the Discovery Health network. Certain plans also pay blood tests at network providers.
- Unused savings roll over to your following year.
- Endoscopies done in doctors rooms, paid by the scheme!
- The Trauma Recovery Extender Benefit covers out-of-hospital claims for your recovery after certain traumatic events.
CHRONIC MEDICINES
- Chronic Medicine for 27 conditions and up to 61 conditions on higher plans!
- If you use a medicine - not on the formulary - you still have a portion of your claim paid!
- Specialised medicines and Technology benefit covers new treatments up to a set limit.
- Overseas Treatment up to a set limit for healthcare not available in South Africa.
- Excellent cancer treatment
SCREENING BENEFIT
- Preventative tests like blood glucose, blood pressure, cholesterol, BMI, Pap smear, prostate and HIV paid!
- Support programmes for cancer, diabetes and Aids.
- Emergency care through Discovery 911!
- Cover for emergency medical evacuations in sub-Saharan Africa and for medical emergencies when travelling internationally!
- The industry-leading Vitality wellness program gives you the tools and rewards to be healthy.
- A fully functional VISA credit card to help you fund your day-to-day health care costs.
- The largest and most secure scheme in SA, more than three times the size of its nearest competitor. Discovery Health was awarded the highest rating in the industry for its claims-paying ability by an independent rating agency, for the sixth consecutive year.
- DiscoveryCare helps you if you get sick and ensures that you receive the highest quality care.
Above Threshold Cover (Comprehensive and Priority Options only) pays for day-to-day expenses once your claims reach a fixed rand amount called the Threshold, which is dependent on the size and composition of your family.
Claims paid from Savings will accumulate at the Discovery Health Rate towards the Threshold. Once the Threshold has been reached, claims will be reimbursed at a maximum of the Discovery Health Rate, subject to the overall day-to-day limits as per the benefit schedule. These overall day-to-day limits accumulate before and after the Threshold. In some cases you may be liable for payment of certain claims before the Above Threshold is activated. This is known as a self-funding gap.Savings accounts are interest-bearing and credit is advanced upfront according to the months remaining in the benefit year. Any Savings balance at the end of the year will be carried forward to the following benefit year.
Added Benefits.
Vitality - A truly superb wellness benefit. We give you the tools you need to be healthier and we reward you!
The market leader! By joining Vitality you are rewarded for maintaining or improving your health. You get discounts on gym membership, travel and accommodation, movies and much more! As you accumulate points, so the benefits increase. Vitality also provides access to a network of health care professionals for fitness assessments and health screenings - which, if done, boost your points.
Most medical aids have reduced the in-hospital and specialist practitioner benefit rates to 200% of medical aid rates. These private providers can charge what they want. Some charge more than 400% of medical aid rates! Generally, actual hospital costs like ward, theatre and medicines are charged at a lower than private rate.
This means your private hospital bill can be significantly SHORTPAID where your scheme pays medical aid rates.
What can you do?
And you will get:
- GAP CARE provides cover for in-hospital associated services rendered by a medical practitioner who charges above the medical aid rate - subject to a maximum of 500% of medical aid rates.
- Chemo- and radio therapy for treatment of cancer and kidney dialysis as an outpatient are covered.
- Certain traditional hospital procedures performed in doctors room (eg scopes) also covered.
- A cash payout of R10 000 to the surviving dependants in the event of the accidental death of the main member, spouse or children.
- A cash payout of up to R10 000 per person per annum to cover for in-hospital expenses in event of accidental injury to main member, spouse or children.
It's the VISA credit card that gives you cash back, helps you save on dream holidays, allows you to earn travel miles and protects your wellbeing.
Creates powerful incentives which rewards you for taking care of your health. Your rewards are based on your Vitality status - the healthier you are, the greater your reward!Supplementary Savings Facility enables you to fund your out-of-pocket medical expenses through your Straight or Budget Facility on your DiscoveryCard or through the pre-funded Health Plan Account.
(Remove the administration, payment and reconciliation hassles you face when you have to settle accounts with healthcare professionals)By activating one of the three facilities available on your DiscoveryCard, your claims will automatically be charged to your DiscoveryCard account if you have no day-to-day benefits available.
Health Plan Account. - set funds aside for your unexpected health expenses and get:
interest free credit for six months on a negative balance very high interest rates on positive balances a facility into which Health Dividends can be paid the ability to withdraw funds If you have a credit balance (your total contributions less claims balance is positive) in your Health Plan Account, you'll earn Health Interest according to your Vitality status.
Protect your medical aid if you suffer a life-changing event! Medical aid is expensive! The chances are you pay more for medical aid than your life insurance. What would you or your family do if you died or were disabled and lost your income?
The Health Waiver will take over the payment of your medical aid contribution for up to 10-years if this happens to you or your spouse.
Provides a tangible benefit for managing your health by giving you back "unused" health plan risk contributions!
Don't become a statistic - for a premium as low as R126 per month you can ensure you can afford your medical aid!
Does your Medical Aid LIMIT benefits?
So, now can you really say that DISCOVERY HEALTH MEDICAL AID is not worth investigating? Especially the Keycare option - one of the fastest growing plans in the country!
Do yourself and your loved ones a favour - CALL ME NOW!
Or complete the NO OBLIGATION DISCOVERY HEALTH QUOTE FORM and mail it to me NOW!
PS. If you work for a company, pass the Discovery Medical Scheme onto your HR department. I'm sure that Discovery Health can save your company substantial money. And won't that look good for you!
Consider the Discovery Health Medical Aid.
