If you are planning an overseas trip, looking to make a booking at snazzy new restaurant, or simply wanting to buy a new book for your Kindle, the first thing you do is go online to look for reviews, right? We trust each other far more than we do the “marketing hype” that companies throw at us nowadays. And that’s how it should be. Companies will always be telling us why they are the best, but people who have experienced the product or service, offered by a company, will give you the truth (and it ain’t always nice).
We think the same should apply to insurance. Wouldn’t it be cool if you could pop online and read thousands of local insurance reviews? We think our blog is the perfect platform for insurance reviews, so on a weekly basis we are going to ask you for your opinions, so that the next person, looking online for a solid review, might find your comment and make a better buying decision.
It makes sense to start with some of SA’s biggest insurers and medical schemes, so why not with Discovery Medical Scheme.
Are you a Discovery Medical Scheme member?
If yes, would you mind taking a minute to leave a review?
All you need to do is click on the ‘Create your own review’ tab, below. Answer a couple of questions, leave a short review (good, bad or ugly) and hit the ‘submit’ button.
And just because we think this is a cool idea and value your time, we will be handing out R1000 a week to one lucky reviewer.
Until next time.
The InsuranceFundi guys.
Submit your review
I've been a member for 9 years and until now Ive been happy but being required to make a co-payment for my blood pressure medication feels like a rip-off considering the cost of medical aid and Vitality.
claims paid on time. always go the extra mile to satisy our needs and help.would def ref everyone i know to discovery. JOB WELL DONE DISCOVERY HEALTH. 🙂
Discovery is out priced
I have been a Discovery LA Health member for the past 6 years and have always had good service from them. I only wish that ADD medication on my plan was covered by Chronic cover.
I will not recommend them to anyone as it is useless if your need a doctor after April every year.
I am furious with all the "free" stuff they dish out to the younger generation - like Apple watches, join the gym with your child and get R 1000 cash, discounts on flights etc etc, while I am only allowed to have a mammogram every two years. The vitality programme is a rip-off.
I find Discovery value for money,great customer service and easy of processing trandsactions
I have been in hospital a number of times and great service and efficiency when it comes to admittance and payment. I would recommend Discovery to anyone.
Discovery is pretty good but check that things are ok. Their procedures for getting chronic medication earlier than normal is a huge pain in the neck. They should really work on that. Vitality is good.
I have been on Discovery Medical Scheme for over 16 years and they cover all my medical needs and more. Always hear other people moaning about benefits but I am pleased with the benefits they allow my family. Will not change ever.
when you have to wait for an ambulance for 18 hours before you can get to a hospital you know that the med aid sucks! and then to top it i find out that themedical aid doesnt cover scoliosis!!! Bleh, very bleh
After over 10 years of being a loyal customer they became unaffordable
They do not follow up
They never come back to sort out problems
They have become the most expensive medical aid with the least benefits for price. Vitality has become affordable.
I have been with discovery and have also conviced some of my family to go to discovery . I all ways have deal with discovery and will never go back even if I do get a better offer from some other company
Am happy with there service. With them for 3 years and before. Will recommend anyone to use this medical Aid.
I have always been treated with respect and they always professional
Never had problems with unpaid claims. Any quires are handled professionally.
My saving cover most of doctor visits and normal medication and the hospital benefit is amazing i have been in hospital with my little one 3 times in two months and long visits including Easter weekend and the covered all the costs no problem
Service is great when I call in, the Discovery brand is well known in SA, and I am almost always confident that claims get paid when in hospital as well as over counter so long as savings is available but it seems that a good plan is becoming less affordable for the lower to middle class
I personally recommend Discovery, the benefits and service is great with Discovery, wouldn't change!
I was one of them who moaned about being on a medical aid. Coz it seems you pay and don't claim. but there comes a time/stage in your life....(pille and brille) and you find yourself going to doctors and specialist more often. going for medical procedures etc. We have not since been disappointed by the outcome of the payments through Discovery. We are indeed satisfied with their service and promote them easily to friends, colleagues & family.
Discovery is great, and very helpful with any queries and requests
TEVEEL GELD VIR TEMIN DIENSTE ,(TANDARTS BRILLE !!!!!)
I love DISCOVERY. I've never had any problems with any claims and they pay very quickly so you don't have to stress.
The only reason we do not go on to another med aid is because there is a waiting period and I can't afford to have that with my lung problems. I have psoriasis and it is considered cosmetic so the options for treatment is limited. Mine is on my hands and it is a problem working as I am a artisan and welding, fixing cars, etc is my job. If I can't work, I can't get a salary.
Very satisfied client
I have only had good experiences with discovery would def recommend it
Discovery makes sure that they pay all accounts timeously and if something is not settled you can log a call and they resolve it immediately. They make sure that you are always informed of changes.
Not financially ready to commit as yet
my services have always been met to the requirements.
You get what you pay for. Make sure you read the fine print, it is important to compare apples for apples if you comparing schemes.Although I don't have any against Discovery, they are good, paid my claims on time without question...I think I can get better value for money with a competitor and currently looking at moving.
I think that Discovery needs to take a good look at their business operation and offer their clients some value for their money and some service .. Communication skills are very poor .. that is my honest opinion ..
Good service so far. Battled with chronic medication from previous medical aid.
Having recently moved from Gauteng to the Western Cape I have really struggled to find a Doctor and Dentist to accept my plan , Discovery Smart . Most of the time I give up , and end up paying cash , even Doctors on your list are reluctant to provide a service......
I was with Discovery Health over 1 0 years ago and on an impulse I changed to another medical aid, which I regretted for a long time. My family and I are back with Discovery since 2013 and we have been looked after well. It's a great medical aid scheme.
Since I've been on Discovery Health, I have not had a worry about medical finance. I know when something happens to either me my child or my husband we are covered. They have great assistance in every query & we are glad to be part of the Discovery Medical Aid Scheme.
Friendly, helpful professional staff. Affordable rates.
I find Discovery great just that they do not get back to you when they say they will
I want to get what I pay for, not have to achieve unrealistic goals and be penalised for it, particularly when I need it most! I will not be getting fitter and healthier as I get older. Your incentive based business model is designed to suit your needs only! Smoke & Mirrors
Have been treated with respect by Discovery at all times
I am a happy Discovery Medial Aid member. I never had to query any non-payment of claims. All claims are done directly through my doctors/labs.
I have been fortunate in not having to use my Discovery Medical Aid to often but on the occasions which I have there have been no problems and I have found the professional attitude welcome.
i am member of discovery for many years and happy member
I can highly recommend Discovery, changed from another scheme 5 years ago to them, have never had a problem
I am a member since 1999 and is very satisfied so far no complains
Although Discovery is expensive, I believe that most medical aids are! The alternative is unthinkable.I was diagnosed with cancer four years ago, and I was really impressed by them. They were truly professional and settled really promptly.
Discover totally unsympathetic to request for chronic cover for my wife who suffers from Dystonia.The only treatment available is Botox which Discovery refuses, despite motivation from neurologists.My doctor submitted a chronis medicine request in December which was subsequently declined despite requested blood analysis.Doctor remains unpaid despite numerous attempts to sort.
I have been with Discovery for many, many years, and am very satisfied with my service
What a pleasure coming to a properly managed medical aid.
They are a huge organization, but in my dealings with them when I have needed surgery, etc. they have been very helpful. There has been no hassles, they check everything and confirm everything with you beforehand. I feel that I do get my money's worth - and more. I will definitely stay a member with them, I am a very happy client.
I would recommend Discovery to everybody.
we have been with discovery for a while now and never ever had any difficulties when it comes to paying bills, ,no excesses payable, they promote a healthy lifestyle and is a reliable always available medical aid when you need them.
Discovery is an exellent medical aid to have. I have never been happier and healthier before!
I have been with Discovery medical aid for many years and always been impressed with the service and level of professionalism. So proud to be part of Discovery that I decided to ditch my long standing insurance company, (after 35 years), and become part of Discovery Insure for my car and household insurance. If friends or family tell me they are not with Discovery, I ask them "WHY NOT"?
Been with discovery for many many years and will never change providers. Have dealt with other so called top notch medical aids who never deliver what they promise and although it takes a while to get ahold of the discovery call center its definitely worse with other providers. Discovery is by far the best value for money provider
I absolutely love being part of Discovery. I have small kids and I know that there is nothing that they will not cover for them if anything has to happen. I find the app very easy to use and there is everything on there that I need to know.AWESOME JOB DISCOVERY (KEEP IT UP)
Discovery Health is a rip off. You pay a fortune for medical aid for the cheapest meds on the shelf and yet when you get a script from the doctor from their current list of meds and you get to the chemist it is refused by their system. Also I was diagnosed with diabetes and they refused to pay for the one tablet I am supposed to take. I took my script to the day hospital and I get my meds free of charge and no questions. That is why I will never recommend them to anybody.
I have all my investments and life policies with discovery, even my Med Aid.You are never in the dark with discovery. they have the best call center too
They do tick all the boxes if you are on the more expensive plans except for cost being absolutely crazy. When you are offered the cheaper schemes and get told you have to go to certain doctors doesnt work for me.
Discovery has always helped us as a family with all our medical expenses
Discovery medical Aid never gave me a days problems. Would recommend them to everyone. They have a lot of options available no matter what you earn. I do feel their pricing is good for the cover you get.
it is an excellent medical aid which takes care of its clients
Discovery needs to focus on the medical aid part of the business, rather than the vitality side. There's no such thing as a free lunch, and all the so-called discounts are being covered somewhere. They should stop changing benefits descriptions, as one cannot compare the real benefits one year to the next.
The consultants are very pleasent and helpful.In all my dealings with Discovery I have never had any problems.
We have a healthy lifestyle but the Vitality do not reward us for our efforts. Paddling and running. If they do they make it more difficult. Then they penalise you for not complying with their rules. Tired of it and will look for a simpler option.
good service and prompt payments of Dr accounts.thank you
discovery is the best for me i like every thing about the you know what you get and you know what you pay for and they have the best service or earth Medi - express it makes my life so easy i can get my meds on the go on my busy schedule
Fantastic Medical Aid. Took my terminally ill child on the medical without any hassles. All the extremely high costs were always paid to make sure my daughther got the best care in the best hospitals. Even after she passed away all bills were taken care of. It was easy to apply for my newborn to be added. There is also many extra features like Vitality baby that makes you feel special. I would never change to a different medical aid and would always recommend Discovery to anyone.
My experience with them has been fairly good except for one major issue.I have an ongoing problem with them not paying for a chronic condition simply because the medication prescribed, a schedule 2, can be used as a treatment for both my chronic condition as well as a general ailment. This depletes the savings very quickly.
Good, friendly online service and hospital authorisations take minutes which takes the concern away at least from the financial point of view.
Amazing service, value for money and loads of plans to suit every pocket! Pick wise, pick Discovery! By far the best scheme I have ever belonged to in 30 years!
I have been a member of discovery health for over 20 years, paying a fortune in medical fees. First as a main member and then as a dependant. Now when I need chronic medication I do not qualify.....DH takes it out of my savings.....
I think DISCOVERY HEALTH MEDICAL AID has many ,many benefits for their clients as i do the Vitality and wellness screening, baby and travel vaccines ,also all the discounts on food stuffs and htotel bookings and flights , they look after their clients and better than other medical aid schemes
I have always been happy with Discovery Medical aid and never had to pay tariffs or anything myself.
A hallmark of the extent to which humankind has degenerated is the manner in which medical aids profit at the expense of the man in the street! Their founders such as Adrian Gore - accumulate rather than earn money... It is sickening!
Fantastic Medical Scheme, terrific service, professional and efficient. Thank you for great service, and good quality cover!!
Best service I have received since the last medical aid and I will recommend anyone to not think twice when choosing Discovery as their medical aid.
Vriendelike diens en hulp wanneer navra geopper word.
I am extremely happy been a member of Discovery Health. I find them to be very friendly, helpful and efficient, nothing ever seems to be too much for them. I have never struggled to get a hospital authorization as they are always willing to assist and go the extra mile.
I am very satisfied with discovery, I have yet to complain their services are TOP CLASS.Thanks to their dedicated staff.
I am very satisfied with Discovery Medical Scheme. I never had any complaint about anything and they treated me with respect and dignity when applying for any authorization or requiring more information over the phone. This is a professional organization and it only makes sense to belong to them.
Best medical aid. Have products where you can get money back. I think they are the cheapest medical aid by far. Their consultants / financial advisors have the client at heart.
been with the medical aid for almost 20yrs and no issues, basically, you have to choose a plan that works for you
I only remain with Discovery because I have no choice, but would like to see them look into the needs of pensioners on fixed incomes who have been members for years! Every year the premiums increase and often the benefits decrease!
We do not have a medical aid, only hospital plan. So far we are satisfied, but not happy about the fact that we have to pay such high fine every monthe due to the fact that we did not have a medical aid years ago when we could not afford it.
We no longer worry about shortfalls on hospital bills since changing to Discovery, which had been the case previously.
I am very happy to be a member of the DISCOVERY Health Plan.They are very efficient and keep you up todate at all times with what you have available on your medical aid.They also follow up on you if you are on chronic medication .They are overall a very Good Health Provider.
Discovery medical really does go the extra mile, I am on chronic medication and my medication gets delivered to my work address each and every month from script wise who are contracted by Discovery. I never have to go to a pharmacy and wait in long queues, I have complete peace of mind.
We are with bankmed and the administration is with Discovery. They have a lot of red tape and never seem to pay in full. Something is forever coming off of your savings. The other day I needed Voltaren for a problem I had with my back. I normally would purchase this over the counter. NO now I need a script?I have been testing my eyes yearly since I was 45 with bankmed. My eyes seem to change every year and every year bankmed allowed it. Last year I was told to pay out of my own pocket?
When I was on the Classic Comprehensive Plan it was great because Discovery paid for my bilateral Cochlear Implants in FULL, this was 17 years ago. As this Plan got way too expensive I was forced to downgrade unfortunately. I'm now on the Classic Priority that is also very expensive and was forced to take gap cover too. Their email claim response has become extremely slow! Furthermore, I've tried to view my Plan Option on the website but can't seem to find it or am I just plain stupid???
Great service, with really very little problems over last 10 years plus. Only concern is when we retire it will be difficult to use Discovery because it is very expensive. Maybe its just a perception but we struggle to use an R4000.00 budget for three people. My spouse is currently the main member and myself and my son is on the same plan.
Dental cover needs to be reviewed, it is pathetic. In-hospital cover is very good and day to day good as long as you don't go to the dentist!
A strong medical aid, that is the forerunner in the industry and who we can trust to make the payments when we need it!I have never experienced any problems in terms of my claims payments and that is after all what we need a medical aid for.
Since being on the Discovery Medical Aid scheme my husband and I have never had to pay in an amount not covered by them. There claim, chronic medication application and authorisation for any medical procedures process is hassle free with quick turnaround times. My husband never had any issues when it comes to his chronic medicine claims. The highlight for me is that on the current plan we on if our savings is finished which normally happens close to year end we are still have the benefit of 6 doctors visits and only have to pay cash for medication. Discovery really meets our needs, the best medical aid scheme ever. I will not choose or opt for any other scheme I just love Discovery, because of the service they provided us I am always willing to explore all the other products and services they offer as and when I need to like Insurance. I highly recommend Discovery to all my friends and family for I always have a good story to tell about the organisation. Keep up the good work Discovery and continue to make us happy and proud to be associated with you.
I will not turn back I never had any complaints with Discovery it's so reliable. Discovery is our mother who takes care of their kids. Halala Discovery everything is up to date, its a warm house..
Dicovery suites my every need. The best part is that the claims are settled hassle free without myself having to stress about it. Depending how i manage my over the counter medication, i have no worry about my bills being declined.I would recommend Discovery to anyone dear and near to me. You are awesome Dicovery!
I would still recommend them to my family and friends and they have quite a nice In-Hospital cover
I love the good service I receive from Discovery, the explanation of Plan changes, the charges and Codes, they are committed to helping people who are clueless like me when it comes to questions I do not understand. They are patient.
A bit expensive but well worth it. I have been a member of several medical aids but Discovery have been the very best. No hassle's on claims or in-hospital accounts. They are efficient and extremely professional.
The best medical scheme, excellent service!
Overall good experience in the last 10 Years
Hi Ebrahim. Looks like you have been with them for a while now! Pretty cool that after a decade you are still a happy customer.
Hi Adriaan. Great, not much more you can say!
Discovery, are one of the best medical aid in South Africa. You get what you pay for!
Hi Chantalle. Thanks for your review.
We are very satisfied with the overall service we get from Discovery Health and Insure
Hi Alta. Thanks for your comment and your review.
I have been with Discovery M/A for many years and always received excellent and professional service from them.
Hi Emily. Thanks for your review.
Discovery is ok. There is not much other choice out there that's any different. I just feel we are ripped off as South Africans and don't have any choice
Hi Diane. Yip, you either cough up for medical aid or run the risk of Public Healthcare.
My medical aid, investments, life policy, as well as credit card, is with Discovery. I felt comfortable with the brand and opted for the insurance.Initially the premium was sustainable but it ballooned over the years. I haven't claimed - it's been four, going on five years now. No claim-free bonus, no reduction in premium? It's odd considering how they splash their profits over the financial prints...I submitted invoices of specific valueables to update my policy. Apparently this has to be verified telephonically. On both occasions when they called I was in meetings. These were quickly followed with a "we have tried SEVERAL times to contact you without success". As the service provider, you should keep trying, no?Recently I put in a claim for my damaged phone along with assessment. Still waiting on feedback...
Hi Jack. Looks like you have gone "all-in" with Discovery. While I understand there is value in the whole Discovery integration thing, this is why I would be loathe to hand over all my business. It's a pitty they have botched this up because I don't know how many customers they have on their books who have 4 products with them?
I'm going to drop them a line and ask them to get in touch with you.
Very satisfied with service
Hi Hermanus. Thanks for your comment.
My medical savings is equal to about 1 and 1/2 months contributions. Due to high monthly medication and optometrist costs, this was depleted by end January. So unless I end up in hospital, I get no further benefit from my monthly contributions.
Hi Christina. Always tough when you run out of medical savings early in the year. You are aware though that most of your monthly contribution goes towards covering you against the big medical expenses (like a long stint in a private hospital) ? While I feel your pain, I don't see any other way a medical scheme could structure their plans. Got any ideas?
Although a bit on the expensive side, they are by far the best medical aid.
Hi ZULAIKHA. I think you hit the nail on the head. Could you find a cheaper medical aid scheme? Probably. Are you prepared to join that scheme? That is the real question,right?
A bit on the expensive side,
Hi John. But would you move? Probably not, right?
5 stars but no review?
I am happy with Discovery, they give you a lot to work towards bettering your health with vitality , and are a generally great medical aid to belong to, I am very satisfied with their service so far
Hi Colin - Cool comment man. Thanks
We have been with Discovery for years, and have never had a problem with them.
Hi Karien. The fact that you have been with Discovery for a while and never had any issues speaks volumes. Thanks for the comment.
Had no problems thus far
Hi Antoinette. That's all that counts.
I now pay more for the plan I am on but receive less savings - literally. I am only with Discovery Health because I have no choice.
Hi Ashveer. Is that because you belong to a group scheme? Has your employer made the decision and now you are stuck with Discovery?
I cannot even imagine using another Medical aid. I have never had any kind of problem with them. They resolve queries efficiently and I have never had to wait for any kind of feedback from them. Service excellence indeed.
Hi Diane. I'm sure Discovery would be happy to know you have no problem referring them to family and friends.
Discovery is very efficient, technological advanced, and very informative.
Hi Hellen. Thanks for your comment. All good stuff.
We are on Classic Comprehensive and have received excellent service to date. No waiting period for procedures and all claims and Dr visits paid in full.
Hi Janien. Thanks for your comment. Another satisfied customer and another 5 star rating.
I DO NOT THINK DISCOVERY IS A VERY GOOD COMMENDABLE MEDICAL AID. THERE IS NO ALLOWANCE MADE FOR CHRONIC DISEASES AND ALSO WHEN I NEEDED DISCOVERY IN 2011 THEY LET ME DOWN. I WILL NEVER FORGIVE THEM! EVEN ONE STAR IS TOO MUCH!
Hi Thea. I'm interested in finding out how they let you down in 2011? I'm going to drop you a mail and ask you to leave your story (comment) on the blog please.
Its just great to be associated with a well organized medical aid!!
Hi Sipiwe. Thanks for the comment.
Premiums are high and doctors are making a killing (excuse the pun) Its the law of supply and demand. If people could not afford the doctors fees they would not be able to charge them. Medical aid sustains the high prices charged by hospitals and doctors
Hi Guy. You make a good point. As skills leave our shores, the specialists that are left can simply charge what they like, right? And if you don't like it, you can go somewhere else. Oh, hold on, there isn't anyone else...
Always friendly service consultants. Service with a smile....
Hi Elsje. Thanks for the comment.
I have belonged to other medical aids in my past and the service and value for money I receive from Discovery is 100% better. I feel like a person and not just a membership number. Effecient and competent staff who assisted with auth the times I needed surgery. I also appreciate the fact that there is no hidden fine print. All regulations are clear and descriptive, one just has to read them. Queries are also handled very effeciently and satisfactory. Thank you.
Hi Dolores. Did Discovery pay you for this review? Just kidding. Nice review - thanks!
Would really like to get assistance for foot problems - GREEN CROSS SHOES/DR COMFORT SHOES. AT THE MOMENT NO HELP!!!!
HI Magdalena. Let me pass your details onto the guys at Discovery.
Quick and easy Authorisation for procedures. Never had any additional costs while in hospital. Is however important to choose the right plan for your family's needs and ensure you choose the right contracted in doctors. Most people choose the wrong plan and not understand what they are covered for.
Hi Eugenie. Couldn't agree with you more. If you understand the plan you are on (and it's limitations) you are less likely to be disappointed at claim stage. Pick the right plan, at the right price and take the time to understand your benefits (or make sure your broker does his job properly before you sign off)
Excellent medical Aid - never had an issue to raise or complain. Payments are prompt and coverage is great.
Hi Gene. Awesome comment. Not sure you could have summed it up any better than that
I am not a Discovery member but I got it for my mother and she is getting a good service from them.
Hi Jan. Life is generally easier when mother is happy mate. Just my experience 🙂 Thanks for your comment.
friendly people and always willing to help 🙂
Hi Elizmari. Thanks for your comment. Another 5 star rating!
Procedures won't be done until co-payments are paid. If you don't have the cash at hand, why can't they do the procedure and then let you claim this from Gap Cover and pay them when that is settled?
Hi Andre. Yip, co-payments are tricky. I think we are going to do a series of blog posts on Discovery health co-payments. On this point "read the fine print carefully", have to agree with you. All of us buy very complicated insurance products we don't know much about far too easily.
Discovery is a good medical aid from Classic Priority but then you also have to take a gap cover which I think is absolutely ridiculous as every ones health differs from one year to the next. Their premiums are very high.
Hi Karen. Thanks for your comment. In a perfect world your medical aid would pick up all your expenses. But we don't live in a perfect world, and most specialists charge outside of tariff. If you are on a medical aid plan, you need a gap cover policy. You might want to read this blog post we did on gap cover and the new rules regulating them http://www.insurancefundi.co.za/medical-regulations/
They are one of the most expensive medical aids available but are by far the best. Their call center employees are knowledgeable and efficient. The Vitality service that they have is great and allows us discounts on a number of products and services!
Hi Portia. Thanks for your comment. You seem pretty satisfied 🙂
Your high premiums make it difficult or impossible to join your money making scheme
Hi Dan. Thanks for your comment. I'm interested in finding out what scheme you have joined and which plan you took up? I'm going to drop you a mail.
The funds paid for the subscription does not warrant the benefits.
Have you managed to find better value for money on another scheme?
I have all my arthritic medication on chronic. because there is no generic for one of the tablets they will only pay R 50 towards it. I have to pay for the balance even though I have savings to cover it. So why have chronic medication. It is situations like this that annoys people. You also get people that man the customer care centre that are not medical doctors and they make decisions on the treatment you may or may not have.
Hi Frank. That seems like a bum deal.
Hi Jennifer. Short and sweet. Thanks 🙂
COMMITTED TO DISCOVERY DUE TO CONTRIBUTION ASSISTANCE FROM EMPLOYER BUT HAVE HAD NO REASON TO DESIRE A CHANGE AS THEY PROVIDE AN EFFICIENT SERVICE AT A COMPETITIVE COST
Hi Peter. Cool that your company is contributing to your medical aid cover and even cooler that you are satisfied with their Discovery Health pick. I cant think of anything worse than joining a new company, then having to join the company medical aid scheme, then having endless issues and not being able to move.
Very expensive to people not using the Medical Aid. Huge cash payments required for Day Clinic procedures not covered by Hospital Plan.
"Take it or leave it attitude" - Doesn't matter how big your company gets, no customer should feel like this.
I have always been impressed by the fast and efficient service when my family or I have had a medical crisis. This reduces the stress of the whole procedure.The call centre is also well managed. So really you get what you pay for.
Hi John. Thanks for your comment.
Would love if they can pay out the left over medical savings at the end of the year as incentive. I always have a lot that just gets transferred to the savings for the next year and they take the advantage
Hi Anton. Thanks for your comment. I actually disagree with you. I think that it is a great idea that the scheme doesn't pay out the balance of your medical savings each year. Let it roll over and over and over again. Wouldn't it be nice to know you had R50K in medical savings? If they pay it out, you know what happens? We would all just spend it! 🙂
My MSA has been depleted because i broke my foot and had it seen to in hospital obviously, however because I wasn't admitted they used my entire MSA. This is absolute rubbish. Also I had 2 seperate operations at the end of Oct and the beginning of Dec that both had huge co payments. If I was on a lower scheme it would have been covered. What a stupid system
Hi Ethne. Ja, that's a tough pill to swallow! Exactly when you need the medical aid to kick in there are all types of issues. These products are actually very technical, and I sometimes think the people selling them (not all of them) don't take enough time to take the client through the "nitty gritty" of the plan. I would suggest you take it upon yourself to make sure you understand the plan you are on. Or, drop us a like at firstname.lastname@example.org and we will unpack your plan for you in plain English.
They removed Concerta off Chronic and this medication CLEARS my savings resulting in a thousands of rands Self-Payment Gap! By June I have no savings and have to pay cash. Unfortunately, these amounts are no-where near the R1000's required to close the ridiculous self-payment-gap before they cover further costs.
Hi Fawzia. Thanks for your comment. Self payment gaps can be tricky. On paper it seems easy enough to close the gap, but in reality it is much tougher.
I have no problems with Discovery at all......very helpful and always answers all what I need to know.
Hi June. Thanks for your comment. You see really satisfied and that is good to hear.
For what I spend on a monthly basis to what my daily funds are just isn't anywhere near the same amount! I feel like I am paying for those who abuse the system or profits for Discovery
Hi Colleen. Yeah, I can understand your comment. Most of your medical aid contribution goes towards covering major medical expenses (like long stays in private hospital) and only a small amount is used to fund your day-to-day expenses (medical savings account). The truth is that most of us will never land up in hospital, but just about all of us will at some point use the medical savings account for day-to-day stuff like GP visits. Some people go years without even using their medical aids, imagine how disgruntled they feel about coughing out thousands every month.
i try to as far as possible recommend discovery health to everyone I know
Hi Jacqueline. I'm sure Discovery would be glad to hear that. On this point "I loathe telemarketers that cannot take no for an answer" I have to agree with you. I recently left my details for a call-back and instead of just providing me with the information I wanted, the call centre agent just banged on and tried to make the sell. It was way too aggressive!
Since i had a medical aid Discovery has been the best
Hi Thabo. Thanks for the comment.
I think they are a bit too pricey considering one is not sick every month. To some degree Medical Aid fees across all these medical schemes is actually quite expensive in relation to the service you get back. There is no cash back options, yet i can count with one hand the many times i have been sick last year. In proportion to how much i paid and to how much i used, i am left being the loser, really.
Hi Bongi. If we had a crystal ball we could look into the future and see what was lying ahead. We don't, so we need to mitigate some of the risk that could ruin us financially. I don't know anyone who loves spending money on insurance or medical cover. But, it takes one car accident and a R1,000 000 in medical bills, and you will be glad you paid those medical aid contributions every month.
Personally for me this is the best medical that can cover all your needs ,the discovery mobile app is very helpfull you.can.check your doc visits and.other benifits aswell ,im thus far very happy being with discovery .
Hi Clinton. Thanks for your comment and taking the time to leave a review. Yip, you have to hand it to them, they have invested heavily in technology. I agree, the App is pretty handy.
I do not like Discovery Medical. Ek kry gereeld migraines en het na die DBC Kliniek gegaan waar hulle Biokinetikuste en Fisioterapeute my kon help. Dr Noah het elke keer my aansoek om dit deur die medies te doen afgekeur nadat verskeie dokters motiverings geskryf het. Dit het van my mediese spaarrekening afgekom en nou is ons in ons selfbetalingsgaping agv daarvan. Die oefeninge en fisio wat hulle my gegee het, het my baie gehelp, maar ek moes dit stop omdat Dr Noah dit afgekeur het. Dit beinvloed mens se daaglikese lewe dat 'n mens die hele tyd met die pyn sit. Ek kan geen pyn medikasie gebruik nie omdat ek allergies vir alle opiate en Codiene is. Ander mediese fondse betaal daarvoor hoekom nie Discovery Medies nie???? So GEEN rating vir hulle nie. Dankie dat ek dit kon noem.
Hi Adri. "They do not care about their patients". It looks like you have had a really bad experience.
No compassion for people with special needs. Only worried about their profits!
Hi Johan. Thanks for your comment.
I am happy and grateful for their attendance to my late husband's stay in ICU
Hi Annalisa. Thanks for your comment.
The difference of what is charged by doctors and what gets paid is to big. Premiums are also to high.
Hi Gerald. Yip, payment tariffs are a problem. You don't think the MD's are ripping the ring out of it?
Although a bit on the expensive side, they are by far the best medical aid.
Hi Karen. The question is who else would you join if Discovery shut their doors tomorrow?
I have been in hospital once or twice and have never had a problem - everything was authorised and there has been no comeback with drs. wanting more money etcI have travelled overseas a few times and also have had no problems with the call centres and no query has been to much trouble.
Hi Felecity. A solid 3 stars. Happy but room for improvement, I like it. Thanks for your comment.
I am a dependent on my husbands medical aid, I have been diagnosed with an illness that puts me in unwell situations, however I can rest easier knowing that I do have the medical aid should an emergency situation arise, my only concern is that certain procedures are not covered due to them falling under infertility.I am happy over all.
Hi Agendrie. Thanks for your comment. Glad you are being looked after.
Discovery is a good medical aid and insurance. I have never experienced a bad service with them and their call centre agents are absolutely amazing. Lately I was assisted by Charles Radebe from Discovery Insure and i must say that he's very professional, knowledgeable and I appreciate his service. Thank you Discovery for employing the best of the best.
Hi Jacky. Cool comment 🙂 Nice shout out.
as with anything...the more you pay the better service you get. if you are on a lower plan chances are you would not be fully covered for all medication. however, should you go on to a higher plan most procedures and medicines are covered
Hi Cameron. They have a really wide range of plans, so they do cater for just about everyone (provided you can make the entry level price point)
With Discovery, I always know the amount left in my Savings account. I've never had any issues with claims, and I don't have to phone their contact centre (which I love!). Their emails are simple to understand, and very explanatory!
Hi Janine. "I've never had any issues with claims" - Says it all, doesn't it?
Discovery Health offers a great service. I have never had a problem resolving any issues and they are always responsive. I am a satisfied customer, however, the medical aid is very expensive, but worth every cent for the peace of mind as it is accepted by most, if not all doctors and hospitals.
Hi Busisiwe. You get what you pay for, right? When it comes to insurance, trust us when we tell you that statement holds water.
Discovery is excellent in their customer service. They are technologically on top of their game and this makes it easy to use most of their products/services. They keep in the loop and do not take time to process claims. Am a very satisfied client!!!
Hi Grace. Another 5 star rating! You seem chuffed with the service.
A family of three(two adults & teenager in good healh)premium is +_ R9000pmof which R2400 is med savings.That is approx. R110000 pa and R330000 over 3years(without annual increases)If you were incurring such high med. costs you would be dead or unable to pay the premiums. I doubt you'll publish this.
Hi Vic. You wrong, we did publish it! Thanks for your comment.
Although I have not really needed much medical services Discovery from all accounts is a sure scheme to belong to. Their products are diversive and beneficial to their members
Hi Charlaine. "Quite a few services/products worth utilising". You are right about that. You basically don't need to look too far past Discovery for everything you need (medical, investments, life and car and home). Thanks for the comment.
I personally have never had a good experience with DiscoveryI am currently on this medical aid because I am a dependent on my husbands and this is what his company offers. Looking at my families experience, they too have had bad experiences. I have better service on my Pet medical aid!
Hi Jessica. Probably the 1st negative review we have picked up so far. What exactly has been the problem?
I like the comprehensive nature of information provided and online support. Discovery also follow-up on queries and advise me appropriately
Love their work, love their service, love their products and affiliates. Can't go wrong with them and they make everything so easy, including looking after your health. #1 in my book.
Hi Heidi. Thanks for your review. Haven't picked up one negative review yet. Everybody loves Discovery Health! Are they paying you all for these wonderful comments? 🙂
Discovery is a very good medical aid. The Discovery medical aid helped me and my family in many different ways. THANK YOU DISCOVERY.
"THANK YOU DISCOVERY" - Nice comment Anthonie!
Discovery is good in general, but does not cover doctors fees if not in their network of preferred service providers. Copayment out of ones own pocket is a bit difficult, considering how much you pay each month for medical aid.
Hi Chanelle. Thanks for the comment. Yip co-payments can be tricky and you right about feeling a bit disgruntled that you have to have co-payments considering how much we pay for medical aid nowadays.
The only reason I am not a Discovery Health member is they refused to accept me. The reason they would not accept me is because I was an ex Transmed member. My husband died and I needed to obtain my own medical aid. When I said I had only been in hospital twice to have my children, I was told they do not take on any Transmed members. I would love to be a Discovery member as I am currently with Resolution Health (since November 2010 and still have had no claims).
Hi Cheryl. That doesn't seem right. You should take it up with someone at Discovery Health head office. No way they can exclude you for being on Transmed.
since i joined discovery last year i never ever experienced any problems whatsoever, i am always kept in the loop regarding my payments, claims and what i am getting for my money. they're fantastic
Hi Elijah. You seem pretty satisfied as a new customer. Thanks for your input.
Excellent support and service. Discovery top plans aren't cheap but you GET what you pay for. My father had a LVAD (Left Ventrical Assisting Device) fitted in 2015. His procedure and hospitalization account was in the Multi Millions. Discovery paid everything, NO QUIBLE. This is what you require and expect from a medical aid.
Hi ARNE'. Thanks for your comment. I like the "NO QUIBBLE" bit
I like Discovery MA, their integrated products provide lots of added benefits (at an additional cost), but they are expensive. I've been a member for over 10 years now, and the family has grown, but no-one can keep up with inflation and the rising costs. The last 2 years have been the harshest with 10-15% increases each year. I understand that there are those that take advantage of medical aid services, but there really should be a medical aid rating structure (similar to insurers or credit agancies). MSA's are nice to have, but I do think people must be more responsible with it. I dont have it any longer, and actually save more money each year, than what DMA would allocate that year.
Hi Adrian. Really good comment. With increases like the ones we are all experiencing, the private healthcare model just doesn't look like one that will be affordable long-term. What is it going to cost us to belong to private healthcare in ten years from now?
Generally happy with their service
Hi Graham. Appreciate your time.
Discovery is pro-active. I feel that they really do try to get the best service for their members . It is a company I am proud to have membership to.
Hi Eldorette. Sounds like you are a pretty satisfied customer. Thanks for taking the time to leave a review.
As an IFA and referral Medical Aid Broker I've moved 79 year old clients to Discovery from another Medical Aid - though there was the general waiting period of 3 months for planned procedures (most don't understand this waiting period, but as IFA you need to explain this properly to your clients then you will see only for planned procedures) Clients are now fully covered since March 2017 and almost twice the MSA they had and co-payments almost nothing compared to previous Med Aid, thus the move was worth the waiting period too and happier clients I won't get!!! I will most definitely recommend Discovery - always do, if affordable to clients.
Hi Madalaine. Thanks for taking the time to leave a review.
Discovery have always given me great service, while I was in hospital and while at home. When you have a query, they are quick to respond and to resolve your issue. I think for the price, it is worth being on. I am also on Vitality, which is great to have as my son can watch movies at cinema for free and get to monitor my health with fitbit and get great points and rewards.
Hi Carol-Lynn. Glad you guys are enjoying the Vitality benefit. Thanks for your comment.
The time that stands out for me was wen i was in labor at Olivdale hospital, i never had to call my medical aid, everything was approved,paid for and make sure that both me and the baby received best care.They paid everything i never had a problem during my stay because my medical aid got me covered
Hi Asivhanzhi. "Yes, i always talk good to my friend and family about discovery , i know i am in good hands". Really nice comment 🙂
Working for a General Practitioner, access to most Medical Funds' websites, I got to know most quite well. I find Discovery too expensive. Funds also run out during the second half of the year, like most Funds. I recommend a more realistic priced Medical Fund where the pros and cons are more or less the same. The normal working man can not afford Discovery. As a customer (married to a Medical Doctor) I only use my fund only for operations. Never had a complaint. They pay fast and secure.
Hi Didi. Nice insights from someone married to a MD.
I have been with Discovery for over 21 years and they have looked after me all these years and my wife as well with her chronic medicine
Good to hear. Thanks for the review Simon.
Since I have joined Discovery Health in 2001, I never had any issues their services are excellent and they always follow up once you have contacted regarding your scheme queries.
Thanks for your review Derrick.
Would love to join discovery health.
Hi Sheri. What is holding you back? Price?
Thus far I have had no issues with discovery excepting for the saving not keeping for the whole year. Furthermore they have been fast and efficient when needed.
Hi Xavier. "Fast and efficient" works.
It's a company benefit, although even privately I will stay for the benefits, haven't examined other options yet. Just wish the actual customer had more value for the company.
Hi Jaco. Always tricky when you join a company scheme. The fact that you would probably stay with them in your personal capacity says a lot. Guess you pretty happy with them at the moment.
Getting my chronic meds is a breeze, in the past, I had to go to Steve Biko Academic Hospital to get them. 15 mins in a queue, instead of a whole day. Most of my medical needs are covered, without costing an arm and a leg, or wasting a lot of time in government clinics or hospitals.
Nice review Johann. I'm glad they have your Chronic medication covered.
I am very happy with Discovery Health. When calling to enquire about something they are ever so pleasant and know exactly what they are talking about. I just wish I could go to a higher level which would give me more savings. But, I won't complain as I am lucky to have medical aid, which others do not.
its a great medical aid just wish some of stuff they do pay full but otherwise its very good medical aid
Hi Charmaine. Thanks for your review.
I have recieved good service when my wife was admitted to hospital in December 2016
Hi Brian. That's all that counts, right?
The savings run out far too quickly, your premium is expensive, and silly restrictions are imposed on medicine.....which are required..
Thanks for the review MAUREEN. Don't we all wish we had a little more medical savings
Probably the best of a bad bunch, I would not go anywhere else despite having some issues that really get up my nose.
Thanks for the comment Coleen
Discovery is the best medical aid. We haven't had any problems with Discovery. Their service is excellent and that is the most important and I will not change from Discovery.
Thanks Belinda. You seem more than satisfied with Discovery
Been a member for years now. Always good service.
Thanks WB du Plessis.
Although a bit on the expensive side, Discovery Health has been a great medical aid to me and our family for the past 8 years - they were always there when we needed them to be and any claims and queries were resolved promptly. I have recommended them to family who have subsequently joined as well.
Hi Sonja. The fact that you would recommend them to family and friends says it all!
I love having medical aid its been great going to a private hospital and your stay is covered I had piece of mind.
Hi Illana. Nobody said peace of mind was cheap 🙂
I am not a member of Discovery and i belong to another company because i cannot affort Discovery
Hi Hannelie. Appreciate the comment, even though you aint a member.
On our trip to New York I felt safe knowing that Discovery has my back with medical or travelling insurance! Thumbs up! Had a worry-free trip!
Hi Elizabeth. Nice comment.
One of the biggest medical aid companies, if not the biggest. Am a member for 14 years and never had a claim problem. So far so good. Just wish it was not so expensive.
Hi Amanda. Price aside, you seem more than satisfied. Thanks for your review
Hi Eric. 5 stars! Thanks for taking the time to leave a review.
Sometimes feels like medical aid is a 'grudge purchase' because not having it just really isn't an option these days. However, on the whole, not many issues with Discovery. But would advise anyone on medical aid not to take some responses 'as is', but rather to take the matter further if you're not satisfied. And make sure as with anything financial/contractual these days to get everything in writing and make a record of the times etc. you called so they can refer back to telecons. That stood me in good stead. (and make recordings of your conversations with them in case they 'are unable to find' them on their side).
Hi Melanie. Thanks for your review.
I have received great service from Discovery, just wish that the savings was bigger and didn't cost more.
Hi Alicia. Thanks for your comment. I think you are speaking on behalf of millions of people around the country when you talk about "running out of medical savings". It's a major issue for anyone that is on a medical aid with savings attached to it.
extremely professional and dependable.
Thanks for your comments Adrian. You seem more than satisfied.
Rather the devil you know, right? I mean who else could you trust nowadays? Schemes are closing down left, right and centre. I'm happy in the knowledge that they will be around in 5 years. Cant say the same for the rest!
Thanks for your review Eric.