Discovery Health: Classic Smart Comprehensive
From 1 January 2027
2027 prices are out
R9 343
main member / month
Main member
Adult dependant
Child dependant
Family of four (2 adults + 2 kids): R20 500 in 2026 → R22 333 in 2027, an extra R1 833 a month.
Source: Discovery Health Medical Scheme 2027 Contributions. Benefits shown on this page are 2026 until we load the 2027 benefit changes. Compare every 2027 increase
Monthly Contributions
Max 3 children billed.
Hospital Cover
Chronic Cover
Plan highlights
- Unlimited cover for hospital admissions in the Smart Hospital Network
- Day-to-day cover from a 15% Medical Savings Account and limited Above Threshold Benefit
- Access to unlimited GP consultations in the Smart GP Network with a R75 co-payment
- Full cover for specialists who we have a payment arrangement with
- Extensive screening and prevention benefits
Who is Classic Smart Comprehensive for?
- Families wanting full cover with the fewest out-of-pocket surprises
- Members with chronic conditions who see specialists regularly
- Higher earners wanting comprehensive benefits and any-hospital access
This is general guidance. Use our free calculator to see whether this plan matches your specific needs and budget.
What's covered
- Unlimited hospital cover at restrictive network
- 27 chronic conditions (27 PMB + 0 additional)
- All Prescribed Minimum Benefits (PMB) — required by South African law
What to watch out for
- Planned admissions at hospitals outside the network — co-payments apply
- Chronic conditions outside the 27 statutory PMB list
- Cosmetic procedures, alternative therapies and certain elective treatments
- Out-of-hospital costs above your annual day-to-day limit (where applicable)
Compare with similar Discovery Health plans
Classic Comprehensive
Classic Priority
Essential Priority
Frequently asked questions
Source: Discovery Health Medical Scheme Plan Comparison 2026 (contributions 1 April to 31 December 2026) — accessed 2026-10-07.
Information sourced from Discovery's official 2026 plan guide. Contributions and benefits may change. Always confirm with Discovery before joining.
We are not a financial services provider and do not offer financial advice.