Discovery Gap Cover

Cover for specialist claims in hospital
In-hospital Specialist Gap Cover gives you cover of up to 500% of the medical scheme rate when your approved in-hospital specialist claim is higher than what your medical scheme pays your specialist.

Get additional in- and out-of-hospital cover based on your Vitality status
The Hospital Admission Benefit Extender provides additional gap cover of up to R15 000 per year, depending on your Discovery Vitality status, health plan type and family structure. It automatically covers gaps still experienced over and above what your medical scheme and In-hospital Specialist Gap Cover pays for.

If you select the Discovery Gap Comprehensive option, you will also be covered for shortfalls on specific out-of-hospital claims related to your authorised hospital admission.

Extended cover for cancer related claims,scopes and scans, international travel and in the third trimester of pregnancy
Provides cover of up to R100 000 a year for shortfalls on approved cancer-related claims once the medical scheme's oncology threshold has been reached. Your cover depends on the Discovery Gap Cover option you choose.
On the Discovery Gap Comprehensive option, you get a Travel Benefit Extender which provides cover for shortfalls on approved emergency medical claims incurred while you travel outside of South Africa.
You also get a Scopes and Scans Benefit Extender which provides cover for co-payments and deductibles that apply to MRI and CT scans out-of-hospital, and for endoscopies performed in-hospital