Benefit Checker 2026
Gastroscopy
on Discovery Health Essential Smart Saver
Your Co-payment
Understanding this Cost
This procedure is fully covered (R0 co-payment) ONLY if performed in the Smart Day Surgery Network. Using a non-network facility will result in a substantial R12,650 upfront payment.
Co-payment
A fixed amount you must pay upfront for a medical service. The scheme pays the rest.
PMB (Prescribed Minimum Benefit)
A set of conditions that medical schemes must cover in full by law, provided you use a Designated Service Provider (DSP).
Network Hospital
A hospital that has an agreement with Discovery Health to charge an agreed rate. Using a non-network hospital may result in a higher co-payment.
Great Value
You pay R 3 790 less than the average co-payment for this procedure.
PMB Status
This procedure is not typically covered as a PMB, meaning standard scheme rules and co-payments apply.
Patient Guide
Financial Readiness
Medical Savings Account
Ensure you have sufficient funds in your MSA. Your generic annual allocation is R5 208 (approx. annual) (varies by family size).
How to Prepare
- For Essential Smart Saver admission, fast for at least 6 hours before the procedure (no food or water).
- Arrangement for a driver is essential as sedation is used.
- Stop blood thinners if advised by your doctor.
Recovery Time
Post-procedure monitoring is 1-2 hours. Essential Smart Saver members typically return to work the next day.
Administrative Timeline
See your Doctor
Consult your GP or Specialist to confirm the need for the procedure.
Get a Quote
Ask for a detailed quote. Check if it falls within the 100% Discovery Health Rate covered by Essential Smart Saver.
Pre-authorize
Submit your quote to Discovery Health. Mention you are on the Essential Smart Saver plan.
Admission
Ensure you choose a hospital from: Any private hospital to avoid co-payments.
Important Notes
Must be done in Smart Day Surgery Network. If done out of network, R12,650 upfront payment applies.
Compare with other plans
Frequently Asked Questions
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