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2023-03-06 10:07 PM

Discovery Gap Cover Review 2023

By William Dube

The expense of healthcare has increased over the past few years. Even with medical aid, medical bills can place a tremendous financial burden on individuals and families. Discovery Health has responded by launching gap cover, which is an insurance product designed to cover the difference between the rates paid by medical experts and those covered by medical schemes. This article will look at the features, advantages, and disadvantages of Discovery Gap Cover in 2023.


Discovery Gap Cover is a type of supplemental insurance meant to complement medical aid plans. It compensates for the difference between the rates charged by medical professionals and those insured by medical insurance. This means that if you need a medical procedure that costs more than the rate of your medical program, the gap cover will pay the difference. Gap insurance is an insurance product that is regulated by the Financial Sector Conduct Authority (FSCA).

Individuals and families who are members of a Discovery Health medical aid scheme are eligible for Discovery Gap Cover. The product is aimed at providing financial protection against unexpected medical bills and is available in a variety of options to accommodate a wide range of demands and budgets.


The fees for Discovery Gap Cover vary according to the amount of coverage chosen by the person or family. The cost of gap insurance is typically determined by the policyholder’s age, the quantity of coverage necessary, and any pre-existing medical conditions.

Discovery Gap Insurance prices begin around R100 per month for basic cover as of 2023, with more comprehensive choices costing up to R600 per month. Individuals and families, particularly those who are already struggling to make ends meet, may find gap insurance to be a major additional expense.

It is crucial to note, however, that the cost of gap insurance is usually significantly cheaper than the excess cost of private medical treatment, which can be financially catastrophic for many individuals and families. Furthermore, gap cover can provide crucial peace of mind and financial security in the event of unforeseen medical bills.

Before making a decision, it is critical to carefully analyze the costs and benefits of gap insurance, taking into consideration specific financial circumstances. Individuals and families should be aware of any waiting periods or exclusions associated with their insurance, as these might have an impact on the level of coverage given.


The primary advantage of Discovery Gap Insurance is that it protects you financially against medical bills that exceed medical scheme rates. It protects individuals and their families from unexpected medical bills, which can be a significant expense. Gap insurance can also give you peace of mind by ensuring that you are protected from unforeseen medical bills.

Furthermore, Discovery Gap Cover covers co-payments, which are out-of-pocket expenses that individuals must pay for medical services. This is especially beneficial for people who require regular medical procedures. Furthermore, the product covers the costs of certain medical procedures that are not covered by medical plan benefits, such as cosmetic procedures.

Another advantage of Discovery Gap Cover is that insurance covers emergency medical treatment received outside of South Africa. This can be important for people who travel regularly or have family members who live abroad.


The main disadvantage of Discovery Gap Cover is that it is an extra cost. In addition to their medical aid fees, individuals and families must pay a monthly charge for gap coverage. For some individuals and families, especially those who are already trying to make ends meet, this can be a considerable financial strain. It is crucial to remember, however, that the cost of gap insurance is often significantly cheaper than the excess cost of private medical treatment.

Furthermore, not all medical procedures are covered by gap insurance, and there are exclusions and waiting periods to consider. Pre-existing conditions, for example, are often excluded from coverage for a set amount of time after the policy is purchased. Maternity benefits often have a lengthier waiting period than other benefits.


Discovery Gap Cover is a handy insurance coverage that can protect you financially from unforeseen medical bills. It is intended to supplement medical aid plans by covering the difference between medical specialist charges and those covered by medical schemes. While gap insurance is an extra cost, it can bring peace of mind and protect people and families from considerable financial strain.

Nonetheless, it is critical to consider the cost of gap insurance as well as the product’s exclusions and waiting periods. Before purchasing gap insurance, individuals and families should carefully assess their needs and financial circumstances.

Overall, Discovery Gap Cover is a valuable offering for individuals and families that belong to a Discovery Health medical aid program. It adds another layer of financial protection against unforeseen medical bills and can bring peace of mind. But, like with any insurance policy, before buying a product, it is critical to carefully analyze the costs and benefits.

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William Dube

William Dube is a finance and economic news expert with over 10 years of experience in economic anaylsis, financial product assessment and market analysis. With a numerous certificates from prestigious universities including but not limited to Yale University and the University of Pennyslivenia. William specializes in providing insightful news developments in South Africa and commentary on investment strategies, risk management, and global economic trends. You can contact him on william@rateweb.co.za