Discovery Classic Smart Comprehensive medical aid (2026)
Discovery Classic Smart Comprehensive is a comprehensive medical aid plan from Discovery Health Medical Scheme. In 2026 it costs R7,290 a month for a main member, R6,732 per adult dependant and R1,702 per child.
Source: Discovery Health Medical Scheme 2026 published contributions (Discovery Health website)Last reviewed
Contributions
Main member
R7,290
Adult dependant
R6,732
Child dependant
R1,702
Dependant rules: max 3 children, each under 21.
In-hospital
- Hospital network
- Smart Network hospitals at 200% of DHR.
- Specialist rate
- Up to 200% of DHR in hospital with Specialist Payment Gap on Comprehensive series.
- Specialist payment gap
- Specialist Payment Gap (Premier).
Day-to-day
- Day-to-day benefits
- WhatsApp-based GP consults and digital day-to-day cover.
- Savings account (MSA)
- Medical Savings Account credited annually at 25% of contributions.
- Above-Threshold Benefit
- ATB applies for selected day-to-day claims.
Chronic & specialised
- Chronic conditions
- CDL + 26 additional chronic conditions.
- Specialised medicines
- Specialised Medicine Benefit.
Oncology & innovation
- Oncology
- Full oncology with Extended Oncology Benefit.
- Innovation / advanced illness
- Advanced Illness Benefit covers approved treatments.
Maternity & mental health
- Maternity programme
- Antenatal and post-natal benefits at 100% of DHR.
- Mental wellbeing
- Counselling and psychiatry per plan limits; chronic mental illness on CDL list at PMB level.
Wellness & extras
- Wellness programme
- Vitality programme (optional separate subscription, not a scheme benefit).
- Africa evacuation
- Emergency evacuation in sub-Saharan Africa via Discovery 911.
- International travel
- International Travel Benefit included.
- ART (assisted reproductive)
- Not covered.
FAIS Disclaimer
This tool is for educational and informational purposes only. It does not constitute financial advice. Consult a registered financial adviser (FSP) before making any medical aid decision. Contributions shown are current-year (2026) figures from official scheme sources.
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Frequently Asked Questions
Discovery Classic Smart Comprehensive costs R7,290 a month for the main member, R6,732 per adult dependant and R1,702 per child in 2026. Up to 3 children are charged, each under 21.
Medical Savings Account credited annually at 25% of contributions. The main-member savings allocation is R15,147 a year.
Discovery Classic Smart Comprehensive uses the Smart hospital network. A small, fixed list of hospitals chosen to keep the contribution down. Smart Network hospitals at 200% of DHR.