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In part twenty six of this series we looked at what the Essential Delta Core plan offers. Now we look at the Coastal Core in terms of cost and where it fits in.

The difference between Core plans and the rest

I think if you had to boil it down to one major difference, it has to do with the medical savings account and above threshold benefits.

  • The Executive plan has no self-payment gap and an unlimited above threshold benefit
  • The Comprehensive range has a self-payment gap and an unlimited above threshold benefit
  • The Priority range has a self-payment gap and a limited above threshold benefit
  • The Saver range has no above threshold benefit but a day-to-day savings benefit
  • The Core range only pays for chronic medication and hospital

The Coastal Core Plan

  • This plan – like the Essential and Essential Delta Core – offers 100% of the DHR for in-hospital treatment by medical professionals.
  • The other major difference is the choice of hospital. You must use a selected hospital in the four coastal provinces. Be careful though; always check to see if the hospital of your choice is recognised as a Coastal hospital by Discovery Health. Using a hospital anywhere else will result in Discovery Health only covering 70% of the cost.

Let’s start off with the cost:

  • Main member – R1, 496 monthly
  • Adult dependants – R1, 122 per adult
  • Children – R596 per child (A maximum of three children are charged for)

Here’s how the cost compares to Classic Smart:

Essential SmartCoastal CoreDifference
Main memberR1, 100R1, 496R396
Discovery Health Rate100%100%
Choice of Private HospitalSmart plan hospital onlyCoastal hospitals only
GP ConsultationsR100
Eye TestR100
Dental CheckupR150

You can find our Discovery Health 2017 pillar articles by clicking on the links below:

If you’d like to drill down in more detail, here are the links to each and every plan:

Are you looking for assistance with your medical aid? Why not leave your details below and we will get back to you.

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Until next time.

The InsuranceFundi Team

 

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