Available on the Executive, Comprehensive and Priority plans We call this a Self-payment Gap (SPG). Please note: We do not pay certain claims, for example over-the-counter medicine, from the Above Threshold Benefit.
Does medical aid savings carry over?
The Medical Savings Account works like a bank account. What you do not spend, you carry over to the next year. If you leave Discovery Health Medical Scheme, we are legally required to pay the balance to the new medical scheme you join.
How do I claim on my discovery gap cover?
If you experience a life-changing event that qualifies for a benefit payment, you can claim in one of the following ways:
- Contact: You do not need to submit a separate Discovery Gap Cover claim to us.
- Email: scan and email your claims to [email protected]
- Call us on 0860 99 88 77.
What is annual threshold on Discovery?
We set the Annual Threshold amount at the beginning of each year. The number and type of dependants (spouse, adult or child) on your plan will determine the amount. The Annual Threshold is an amount that your claims need to add up to before we pay your day-to-day claims from the Above Threshold Benefit (ATB).
What does self-payment gap mean?
WHAT IS A SELF-PAYMENT GAP? The Self-payment Gap (SPG) is a temporary gap in cover when you run out of funds in your Medical Savings Account (MSA) but have not yet reached your Annual Threshold. You will have to pay for day-to-day claims from your own pocket during this period.
Is there a waiting period for discovery gap cover?
We apply waiting periods and exclusions to certain healthcare services from the start date of each person’s policy. There is an automatic three-month general waiting period for all healthcare services and treatment, except authorised emergency hospital admissions.
What happens to my medical aid savings when I resign?
Do I lose the money I don’t use? No, it gets carried over to the next year. If you resign from the medical scheme, the money will be paid out to you if there is anything left in your MSA.
What does gap cover actually cover?
Gap cover works by covering the difference or shortfall between what your Doctor charges and what your medical aid pays from the Risk or hospital benefit. Depending on the option you select, you will also have cover for Medical aid Co-payments, Sub-limits and cancer treatment shortfalls.
What is gap cover for medical aid?
Gap cover is a short-term insurance product designed to provide extra protection for those who already have medical aid. It covers the deficit between your medical scheme’s tariff (MST) and the actual rates charged by private healthcare professionals.
What is a self payment gap?
What is GAP cover Discovery?
Gap Cover from Discovery is a cost-effective solution that gives you additional financial protection against these unforeseen costs. Discovery Gap Cover is a short-term insurance policy, underwritten by Discovery Insure Ltd, registration number 2009/011882/06, an authorised financial services provider.
