Medical aid advice - Currently on Discovery Coastal Saver and looking for other options

zolly

Expert Member
Joined
Sep 1, 2005
Messages
4,453
I'm a dude, 37 years old, on the lean side. Also no (known) chronic issues, who maybe goes to the GP once or twice a year for the cold/flu, although I haven't been sick since 2019. I also usually go for an annual dental appointment, and get new glasses every 2-3 years.

I used to exercise a lot, but now I only get out and about on weekends. I'm pretty much glued to my chair during the week, apart from the odd trip to the yard to sort out my plants. Weekends I'm out and about playing with a dog for several hours a day. Don't smoke or drink. My diet is okay, but some weeks its not great (lots of takeout of varying quality due to long work hours).

I am currently on Discovery Coastal Saver with Vitality and am exploring what my options are, as I looked at the R3000 odd a month that I'm paying and am wondering if it's worth my money. It might make more sense to downgrade to something more affordable and put the other money into investments and savings.

Anyone have any suggestions?
 

Archie1

Senior Member
Joined
Feb 7, 2005
Messages
631
I'm on the Coastal Core. Don't need savings since I am pretty much in the same position as you. Don't have Vitality either since I wouldn't use its benefits. Works out to just under R2100 a month.
 

WAslayer

Executive Member
Joined
May 13, 2011
Messages
7,208
If you are happy paying cash for GP and glasses, maybe look at a hospital plan + gap cover.. that would also mean you are paying cash for x-rays and blood tests that the GP may request..

you should also look at everything that is covered under a hospital plan and make sure it's as comprehensive as a medical aid cover for hospital admission.. haven't done this myself, so not sure how they compare..
 

WAslayer

Executive Member
Joined
May 13, 2011
Messages
7,208
Almost forgot, discovery has the keycare plans.. they are like 1k.. however, you can only use GPs and specialists on the keycare network..

Check that out as well.. may work out better than a hospital plan..
 

Kosmik

Honorary Master
Joined
Sep 21, 2007
Messages
21,967
Also check out the Smart plans. They a good option against saver if you have a decent network near you.

Family on classic smart, much better, especially with kids.
 

Gtx Gaming

Gtx Gaming
Joined
Aug 25, 2008
Messages
22,793
Go for smart plan if you gp and hospital near you thats covered.

My nearest GP and hospital is on the smart plan, so made sense to get that for the family.

Doctor visits are R55, and dental cleaning once a year at R60 or something in that line
 

Tomtomtom

Senior Member
Joined
May 6, 2010
Messages
856
Essential Smart is half the price. You could save the R 18k or so and do your own dental cover.

Only time I've claimed on insurance is for COVID vaccine I think. But my philosophy is don't go to the GP for cold/flu.
 

TofuMofu

Honorary Master
Joined
Aug 11, 2008
Messages
10,585
Essential Smart is half the price. You could save the R 18k or so and do your own dental cover.

Only time I've claimed on insurance is for COVID vaccine I think. But my philosophy is don't go to the GP for cold/flu.
Yep they can't do anything about it except give you a sick note...
 

Kosmik

Honorary Master
Joined
Sep 21, 2007
Messages
21,967
Essential Smart is half the price. You could save the R 18k or so and do your own dental cover.

Only time I've claimed on insurance is for COVID vaccine I think. But my philosophy is don't go to the GP for cold/flu.
Covid is covered by Smart though? Or you mean tests? But even then there is a number you can claim from scheme.
 

Tomtomtom

Senior Member
Joined
May 6, 2010
Messages
856
Yep they can't do anything about it except give you a sick note...

And listen to your worries and make you feel less anxious - what a good GP spends most of their time doing really.

But a bad GP will prescribe unnecessary antibiotics, send you for further testing, and generally milk you a little bit.
 

Tomtomtom

Senior Member
Joined
May 6, 2010
Messages
856
Covid is covered by Smart though? Or you mean tests? But even then there is a number you can claim from scheme.
Yes vaccination by Discovery was automatically claimed and paid on Smart. Not sure about the tests.
 
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