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In part twenty five of this series we looked at the Essential Core plan. Now we look at its cheaper cousin – the Essential Delta Core plan.

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 medications and hospital

The Essential Delta Core Plan

This plan – like the Essential Core – offers 100% of the DHR for in-hospital treatment by medical professionals.

The difference between the two boils down to your choice of hospital. With the Classic Saver option you may use a private hospital of your choice. On the Delta Saver plan, you must use one of the Delta networked hospitals or else pay R7, 100 upfront at the hospital of your choice.

Let’s start off with the cost:

  • Main member – R1, 317 monthly
  • Adult dependants – R989 per adult
  • Children – R528 per child (A maximum of three children are charged for)

Here’s how the cost compares to Essential Smart:

Essential SmartEssential Delta CoreDifference
Main memberR1, 100R1, 317R217
Discovery Health Rate100%100%
Choice of Private HospitalSmart plan hospital onlyDelta hospital 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? Leave your details and we will get back to you.

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Until next time.

The InsuranceFundi Team

 

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