Modern cancer treatment increasingly relies on immunotherapy, targeted therapy, and monoclonal antibodies (drugs that can cost R50,000 to R200,000 per month). These typically aren't covered in the standard oncology benefit; instead schemes ring-fence them under an 'innovation' benefit with member co-payments of 20 to 30% and tighter clinical entry criteria.
SA example: A R100,000/month immunotherapy treatment. On Discovery Executive Innovation Benefit (30% co-pay), you'd pay R30,000/month. On a plan without an innovation benefit, you'd pay the full R100,000/month yourself.