Comprehensive plans give you everything: hospital cover, an MSA, and crucially the Above Threshold Benefit (ATB). Once you've spent your MSA and a self-payment gap, the scheme keeps paying for day-to-day care up to an annual limit. Specialist rates are usually higher (200 to 300% of scheme rate). These plans suit families with chronic conditions, frequent specialist needs, or simply a preference for predictable out-of-pocket spend.
SA example: Discovery Classic Comprehensive (R7,528/month main member) gives you R29,550 annual MSA, then a self-payment gap, then up to R36,290 in Above Threshold Benefit per main member.