
It’s that time of the year again… the medical schemes are announcing their contribution increase for 2025 and any new products/enhancements. Discovery announced it’s 2025 increase in September. The average weighted increased across all products is 9.3%. Discovery has introduced a new option, the Active Smart which has been designed for young professionals and has a low price point.
The 2025 contributions increased between 7.4%- 10.9%:
Plan | Contribution Increases (%) |
KeyCare Start Regional | 7,40% |
KeyCare Start | 7,40% |
KeyCare Core | 7,40% |
KeyCare Plus | 9,90% |
Coastal Core | 10,90% |
Essential Delta Core | 9,90% |
Essential Core | 9,90% |
Classic Delta Core | 9,90% |
Classic Core | 9,90% |
Essential Dynamic Smart | 7,40% |
Essential Smart | 7,40% |
Classic Smart | 7,40% |
Coastal Saver | 10,90% |
Essential Delta Saver | 8,40% |
Essential Saver | 8,40% |
Classic Delta Saver | 8,40% |
Classic Saver | 8,40% |
Essential Priority | 9,90% |
Classic Priority | 9,90% |
Classic Smart Comprehensive | 10,90% |
Classic Comprehensive | 10,90% |
Executive Plan | 10,90% |
Annual Benefit Updates
Inflationary Adjustments
To keep pace with rising healthcare costs, Discovery has adjusted co-payments and deductibles by 4.8%. This ensures your benefits remain relevant and effective.
Annual Threshold Changes
The annual thresholds for Executive, Comprehensive, and Priority plans have increased by 1% more than the contribution increases. This means you’ll have more flexibility in your healthcare choices.
Benefit Limits
While the Above Threshold Benefit limit for Comprehensive and Priority plans remains unchanged, Discovery has maintained coverage for critical benefits like oncology, specialized medicine, international travel, overseas treatment, and surgical appliances.
New Care Processes and Interventions
Scopes
Discovery is introducing a quality network for in-room scopes in 2025. To incentivize using this network, a co-payment will apply for scopes performed outside it.
- Single scope: R1,750
- Bi-directional scopes: R3,000
Cataract Surgery
To ensure you receive the best care, Discovery has partnered with a designated service provider (DSP) for cataract surgery. Members who choose this DSP will enjoy full coverage. Going outside the DSP will incur a 20% co-payment on the hospital account (R6,000).
Post-Surgery Support
Discovery is introducing a supportive post-surgery program for certain surgical procedures performed in our Short Stay Surgical network. This program includes:
- Two daily visits from a health professional
- Pain management
- Virtual therapy
- Clinical guidelines and protocols apply
Vitality Updates
Vitality has updated its flight destinations and sporting equipment benefits. Please let us know if you need more details.
Need Assistance?
If you have questions or want to change your Discovery plan, don’t hesitate to contact us. We’re here to help!
Clarity Employee Benefits is an authorized Financial Services Provider (FSP No. 51007). We’re ready to provide you with expert medical aid guidance and advice.