Discovery and it's hidden clauses are killing me

[Pineapple Smurf]

Or people just need to read their plans. Everything in Africa is a rip off.

Even empty cardboard boxes

 

[RedViking]

Also get gap cover as well. Not sure about their dental conditions.

 

[RedViking]

Even empty cardboard boxes

No, that is just daylight robbery.

 

[RedViking]

Discovery's coastal core here. My kid had four wisdom teeth removed by a maxillofacial in hospital under general - had to pay a R4500 co-payment but even that was covered by gap cover.

Yap, coastal core + gap cover. That is the one I am busy signing up for...... I've been busy signing up the last 2 months, just need to complete the damn forms.


My wife just has so many issues that I struggle to word it.

 

[airborne]

Only time they will pay towards dental is if you get booked into hospital.

That's why it's good to have a independent Discovery broker that looks after you, they know how to work the system, the codes and all the complicated.

Good luck op, hope the infection subsides and you can wangle Discovery to contribute something.

I'd gargle with salt water once an hour to reduce the bacterial load in your mouth, it does help

 

[d0b33]

Please! Can anybody recommend a somewhat decent medical aid scheme. This Discovery Smart Classic is useless.

They're all the same! Discovery at least has a premium brand so you can feel somewhat elitist while being screwed.

 

[SauRoNZA]

It comes from “savings”

No such thing on the Smart Plans.

 

[SauRoNZA]

I'm on the cheapest plan. It costs over 4k a month for a small family. It's essentially useless for day to day. The affordability scale is a joke too, if you make more than 13k you can expect to pay half that salary for a family.

Well that’s because the higher plans subsidise the lower plans so they purposely make it outrageous so that you upgrade to the next plan which is actually cheaper.

 

[Koosvanwyk]

Well that’s because the higher plans subsidise the lower plans so they purposely make it outrageous so that you upgrade to the next plan which is actually cheaper.

It does not work like that, the Medical Schemes Act prohibits subsididation between different options, each option has to stand on its own.

The CMS does (unofficially) alow limited cross subsididation in that it allows an option to run at a loss in certain instances, but this is very limited.

 

[GhostSixFour]

According to most medical aids, teeth are luxury bones that you need to pay extra to maintain.

 

[Aghori]

Thats per member, its not affordable even for a small family.

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Yep. 6.3k for me, 6k each for dad and aunt... If I stopped paying that every month I could buy a new luxury car but, family comes first. 18k per month for a family is outrageous really.