2026 Rules Active
2026 Validated
28 Chronic Conditions with DSP Savings Hybrid
Actuarial Objective
For individuals with chronic conditions requiring consistent medication via Marara Pharmacy DSP
Running Actuarial Simulation...
More Plan Options
Save R129 pm
Discovery Health Medical Scheme
Classic Delta Core
Strategy: Classic Core Single Hospital-Only with PHF
Upgrade for +R95 pm
Discovery Health Medical Scheme
Classic Smart Saver
Strategy: Classic Smart Saver MSA Hybrid
Key Terms for this Strategy
- Network Restriction
- You must use hospitals and doctors listed in the scheme's specific network. Voluntary use of non-network providers will result in a heavy co-payment.
- Medical Savings Account (MSA)
- A fund of R6,252 included in your premium. You use this for day-to-day expenses like GP visits and scripts.
- Elective Procedure Co-payment
- A mandatory upfront fee you must pay to the hospital for specific scheduled surgeries (like hip/knee replacements) that are not emergencies.
People Also Ask
What happens if I use a non-network hospital?
You will be liable for a 30% co-payment on the hospital account if you voluntarily use a hospital outside the BonPrime Network.
Is my cancer treatment unlimited?
No, while PMB conditions are covered, non-PMB oncology is limited to R224,100 per family. Once this limit is reached, there is 80% cover at a DSP.
Do I have to pay upfront for an MRI?
Yes, you must pay a R2,240 co-payment per scan event, unless it is for a PMB condition.
Is there a limit on hip replacements?
Yes, internal prostheses (like hip and knee replacements) are covered for PMB conditions only. There is no general benefit.
What if I run out of savings?
Once your savings are depleted, your family gets 1 additional GP consultation paid by the scheme. You can also unlock up to R4,000 in 'Benefit Booster' for day-to-day expenses.
Are my contraceptives covered?
Yes, contraceptives are covered up to R1,970 per family, but you must use the Designated Service Provider (Marara Pharmacy) to avoid a 40% co-payment.
Is there a co-payment for gastroscopy?
Yes, a co-payment of R2,020 applies to gastroscopies and colonoscopies.
Is depression covered?
Yes, depression is covered as an additional chronic condition, with medication cover up to R165 per beneficiary per month.