Plan matrix:

A guide to changing your plan during the year

2018
The Scheme rules allow for certain plan movements at any time during the year. Moving to a lower plan
may result in an amount owing to the Scheme if you’ve spent more of your Medical Savings Account
(MSA) than you’ve paid for, where applicable.
Moving to a higher plan during the year is not allowed, however, there are exceptional circumstances
where these requests may be considered. You can refer to “Changing your plan during the year” for more
information, it is available on www.discovery.co.za.

Plan Plan movements that Plan movements that are Exceptions

are allowed not allowed

Executive All plans None No exceptions

Classic All plans except Executive Executive Plan No exceptions

Comprehensive

Classic Delta Essential Delta Executive Plan Only if you move more than 50km from
Comprehensive any Delta network hospital.
Comprehensive Classic Comprehensive
Classic Delta Saver Proof of residence is needed. Notify us
Classic Comprehensive Zero
within three months of the relocation
Essential Delta Saver MSA
date before we allow the change:
Classic Delta Core Essential Comprehensive
Classic Comprehensive
Essential Delta Core Classic Priority
Classic Comprehensive Zero MSA
Classic Smart Essential Priority
Essential Comprehensive
Essential Smart Classic Saver
Classic Priority
Essential Saver
Essential Priority
Classic Core
Classic Saver
Essential Core
Essential Saver
Coastal Saver
Classic Core
Coastal Core
Essential Core
KeyCare Plus
Coastal Saver
KeyCare Access
Coastal Core
KeyCare Core
KeyCare Plus

KeyCare Access

KeyCare Core

Classic All plans except Executive Executive Plan No exceptions

Comprehensive Zero
MSA

CONTACT US | TEL 0860 99 88 77 | PO BOX 784262 SANDTON 2146 | www.discovery.co.za PAGE 2 OF 12

Discovery Health Medical Scheme, registration number 1125, is regulated by the Council for Medical Schemes 01/18 V1
and administered by Discovery Health (Pty) Ltd, registration number 1997/013480/07, an authorised financial
services provider.
Plan Plan movements that Plan movements that are Exceptions
are allowed not allowed

Essential Essential Delta Executive No exceptions

Comprehensive
Comprehensive Classic Comprehensive
Essential Priority
Classic Delta Comprehensive
Essential Saver
Classic Comprehensive Zero
Essential Delta Saver MSA

Coastal Saver Classic Priority

Essential Core Classic Saver

Essential Delta Core Classic Delta Saver

Coastal Core Classic Smart

KeyCare Plus Classic Core

KeyCare Access Classic Delta Core

KeyCare Core

Essential Smart

Essential Delta Essential Delta Saver Executive Plan Only if you move more than 50km from
any Delta network hospital.
Comprehensive Essential Delta Core Classic Comprehensive
Proof of residence is needed. Notify us
Essential Smart Classic Delta Comprehensive
within three months of the relocation
Classic Comprehensive Zero date before we allow the change:
MSA
Essential Comprehensive
Essential Comprehensive
Essential Priority
Classic Priority
Essential Saver
Essential Priority
Essential Core
Classic Saver
Coastal Saver
Classic Delta Saver
Coastal Core
Essential Saver
KeyCare Plus
Coastal Saver
KeyCare Access
Classic Smart
KeyCare Core
Classic Core

Classic Delta Core

Essential Core

Coastal Core

KeyCare Plus

KeyCare Access

KeyCare Core

Classic Priority Essential Priority Executive Only if you are not planning to have a
procedure that attracts an upfront
KeyCare Plus Classic Comprehensive
payment:
KeyCare Access Classic Delta Comprehensive
Classic Saver
KeyCare Core

CONTACT US | TEL 0860 99 88 77 | PO BOX 784262 SANDTON 2146 | www.discovery.co.za PAGE 3 OF 12

Discovery Health Medical Scheme, registration number 1125, is regulated by the Council for Medical Schemes 01/18 V1
and administered by Discovery Health (Pty) Ltd, registration number 1997/013480/07, an authorised financial
services provider.
Plan Plan movements that Plan movements that are Exceptions
are allowed not allowed
Essential Smart Classic Comprehensive Zero Classic Delta Saver
MSA
Essential Saver
Essential Comprehensive
Essential Delta Saver
Essential Delta Comprehensive
Coastal Saver
Classic Saver
Classic Smart
Classic Delta Saver
Classic Core
Essential Saver
Classic Delta Core
Essential Delta Saver
Essential Core
Coastal Saver
Essential Delta Core
Classic Core
Coastal Core
Classic Smart

Classic Delta Core

Essential Core

Essential Delta Core

Coastal Core

Essential Priority KeyCare Plus Executive Only if you are not planning to have a
procedure that attracts an upfront
KeyCare Access Classic Comprehensive
payment:
KeyCare Core Classic Delta Comprehensive
Essential Saver
Essential Smart Classic Comprehensive Zero
Essential Delta Saver
MSA
Coastal Saver
Essential Comprehensive
Essential Core
Essential Delta Comprehensive
Essential Delta Core
Classic Priority
Coastal Core
Classic Saver

Classic Delta Saver

Essential Saver

Essential Delta Saver

Coastal Saver

Classic Smart

Classic Core

Classic Delta Core

Essential Core

Essential Delta Core

Coastal Core

Classic Saver Classic Delta Saver Executive No exceptions

Essential Saver Classic Comprehensive

Essential Delta Saver Classic Delta Comprehensive

CONTACT US | TEL 0860 99 88 77 | PO BOX 784262 SANDTON 2146 | www.discovery.co.za PAGE 4 OF 12

Discovery Health Medical Scheme, registration number 1125, is regulated by the Council for Medical Schemes 01/18 V1
and administered by Discovery Health (Pty) Ltd, registration number 1997/013480/07, an authorised financial
services provider.
Plan Plan movements that Plan movements that are Exceptions
are allowed not allowed
Coastal Saver Classic Comprehensive Zero
MSA
Classic Core
Essential Comprehensive
Classic Delta Core
Essential Delta Comprehensive
Essential Core
Classic Priority
Essential Delta Core
Essential Priority
Coastal Core

KeyCare Plus

KeyCare Access

KeyCare Core

Classic Smart

Essential Smart

Classic Delta Saver Essential Delta Saver Executive Only if you move more than 50km from
any Delta network hospital.
Classic Delta Core Classic Comprehensive
Proof of residence is needed. Notify us
Essential Delta Core Classic Delta Comprehensive
within three months of the relocation
Classic Smart Classic Comprehensive Zero date before we allow the change:
MSA
Essential Smart Classic Saver
Essential Comprehensive
Coastal Saver
Essential Delta Comprehensive
Essential Saver
Classic Priority
Classic Core
Essential Priority
Coastal Core
Classic Saver
Essential Core
Essential Saver
KeyCare Plus
Coastal Saver
KeyCare Access
Classic Core
KeyCare Core
Essential Core

Coastal Core

KeyCare Plus

KeyCare Access

KeyCare Core

Essential Saver Essential Delta Saver Executive No exceptions

Coastal Saver Classic Comprehensive

Essential Core Classic Delta Comprehensive

Essential Smart Classic Comprehensive Zero

MSA
Essential Delta Core
Essential Comprehensive
Coastal Core
Essential Delta Comprehensive
KeyCare Plus
Classic Priority
KeyCare Access

CONTACT US | TEL 0860 99 88 77 | PO BOX 784262 SANDTON 2146 | www.discovery.co.za PAGE 5 OF 12

Discovery Health Medical Scheme, registration number 1125, is regulated by the Council for Medical Schemes 01/18 V1
and administered by Discovery Health (Pty) Ltd, registration number 1997/013480/07, an authorised financial
services provider.
Plan Plan movements that Plan movements that are Exceptions
are allowed not allowed
KeyCare Core Essential Priority

Classic Saver

Classic Delta Saver

Classic Core

Classic Delta Core

Classic Smart

Essential Delta Saver Essential Delta Core Executive Plan Only if you move more than 50km from
any Delta network hospital.
Essential Smart Classic Comprehensive
Proof of residence is needed. Notify us
Classic Delta Comprehensive
within three months of the relocation
Classic Comprehensive Zero date before we allow the change:
MSA
Essential Saver
Essential Comprehensive
Coastal Saver
Essential Delta Comprehensive
Coastal Core
Classic Priority
Essential Core
Essential Priority
KeyCare Plus
Classic Saver
KeyCare Access
Classic Delta Saver
KeyCare Core
Essential Saver

Coastal Saver

Classic Core

Classic Delta Core

Classic Smart

Essential Core

Coastal Core

KeyCare Plus

KeyCare Access

KeyCare Core

Coastal Saver Classic Delta Saver Executive Only if you move inland from a Coastal
region. Proof of residence is needed.
Classic Delta Core Classic Comprehensive
This needs to be done within three
Coastal Core Classic Delta Comprehensive
months of the relocation date before we
Essential Delta Saver Essential Comprehensive allow the change:

Essential Smart Essential Delta Comprehensive Classic Saver

Essential Delta Core Classic Priority Essential Saver

KeyCare Plus Essential Priority Classic Core

KeyCare Access Classic Saver Essential Core

KeyCare Core Essential Saver Classic Smart

Classic Core

CONTACT US | TEL 0860 99 88 77 | PO BOX 784262 SANDTON 2146 | www.discovery.co.za PAGE 6 OF 12

Discovery Health Medical Scheme, registration number 1125, is regulated by the Council for Medical Schemes 01/18 V1
and administered by Discovery Health (Pty) Ltd, registration number 1997/013480/07, an authorised financial
services provider.
Plan Plan movements that Plan movements that are Exceptions
are allowed not allowed
Essential Core

Classic Smart Classic Delta Core Executive Plan Only if you move more than 50km from
any Smart network hospital.
Essential Smart Classic Comprehensive
Proof of residence is needed. Notify us
Essential Delta Core Classic Comprehensive Zero
within three months of the relocation
Msa
KeyCare Access date before we allow the change:
Classic Comprehensive
Keycare Core Classic Saver
Essential Comprehensive
Classic Delta Saver
Classic Delta Comprehensive
Essential Saver
Essential Delta Comprehensive
Essential Delta Saver
Classic Core
Coastal Saver
Essential Core
Classic Core
Coastal Core
Classic Delta Core
Classic Priority
Coastal Core
Essential Priority
Essential Core
Essential Saver
Essential Delta Core
Classic Saver
KeyCare Plus
Coastal Saver

Essential Delta Saver

Classic Delta Saver

KeyCare Plus

Essential Smart KeyCare Access Executive Plan Only if you move more than 50km from
any Smart network hospital.
Classic Comprehensive
Proof of residence is needed. Notify us
Classic Comprehensive Zero
within three months of the relocation
MSA
date before we allow the change:
Classic Comprehensive
Essential Saver
Essential Comprehensive
Essential Delta Saver
Classic Delta Comprehensive
Coastal Saver
Essential Delta Comprehensive
Coastal Core
Classic Priority
Essential Core
Essential Priority
Essential Delta Core
Essential Saver
KeyCare Plus
Classic Saver
KeyCare Core
Coastal Saver

Essential Delta Saver

Classic Delta Saver

Classic Smart

Classic Core

CONTACT US | TEL 0860 99 88 77 | PO BOX 784262 SANDTON 2146 | www.discovery.co.za PAGE 7 OF 12

Discovery Health Medical Scheme, registration number 1125, is regulated by the Council for Medical Schemes 01/18 V1
and administered by Discovery Health (Pty) Ltd, registration number 1997/013480/07, an authorised financial
services provider.
Plan Plan movements that Plan movements that are Exceptions
are allowed not allowed
Classic Delta Core

Essential Core

Essential Delta Core

Coastal Core

KeyCare Plus

KeyCare Core

Classic Core Classic Delta Core Executive No exceptions

Essential Core Classic Comprehensive

Essential Smart Classic Delta Comprehensive

Essential Delta Core Classic Comprehensive Zero

MSA
Coastal Core
Essential Comprehensive
KeyCare Plus
Essential Delta Comprehensive
KeyCare Access
Classic Priority
KeyCare Core
Essential Priority

Classic Saver

Classic Delta Saver

Essential Saver

Essential Delta Saver

Coastal Saver

Classic Smart

Classic Delta Core Essential Delta Core Executive Plan Only if you move more than 50km from
any Delta network hospital.
Essential Smart Classic Comprehensive
Proof of residence is needed. Notify us
Classic Delta Comprehensive
within three months of the relocation
Classic Comprehensive Zero date before we allow the change:
MSA
Classic Core
Essential Comprehensive
Essential Core
Essential Delta Comprehensive
Coastal Core
Classic Priority
KeyCare Plus
Essential Priority
KeyCare Access
Classic Saver
KeyCare Core
Classic Delta Saver

Essential Saver

Essential Delta Saver

Coastal Saver

Classic Smart

Classic Core

CONTACT US | TEL 0860 99 88 77 | PO BOX 784262 SANDTON 2146 | www.discovery.co.za PAGE 8 OF 12

Discovery Health Medical Scheme, registration number 1125, is regulated by the Council for Medical Schemes 01/18 V1
and administered by Discovery Health (Pty) Ltd, registration number 1997/013480/07, an authorised financial
services provider.
Plan Plan movements that Plan movements that are Exceptions
are allowed not allowed
Essential Core

Coastal Core

KeyCare Plus

KeyCare Access

KeyCare Core

Essential Core Essential Delta Core Executive No exceptions

Essential Smart Classic Comprehensive

Coastal Core Classic Delta Comprehensive

KeyCare Plus Classic Comprehensive Zero

MSA
KeyCare Access
Essential Comprehensive
KeyCare Core
Essential Delta Comprehensive

Classic Priority

Essential Priority

Classic Saver

Classic Delta Saver

Essential Saver

Essential Delta Saver

Coastal Saver

Classic Smart

Classic Core

Classic Delta Core

Essential Delta Core Essential Smart All plans except Essential Smart Only if you move more than 50km from
any Delta network hospital.

Proof of residence is needed. Notify us

within three months of the relocation
date before we allow the change:

Essential Core

Coastal Core

KeyCare Plus

KeyCare Access

KeyCare Core

Coastal Core Classic Delta Core Executive Only if you move inland from a Coastal
region. Proof of residence is needed.
Essential Smart Classic Comprehensive
This needs to be done within three
Essential Core Classic Delta Comprehensive
months of the relocation date before we
Essential Delta Core Classic Comprehensive Zero allow the change:
MSA
KeyCare Plus Classic Core
Essential Comprehensive

CONTACT US | TEL 0860 99 88 77 | PO BOX 784262 SANDTON 2146 | www.discovery.co.za PAGE 9 OF 12

Discovery Health Medical Scheme, registration number 1125, is regulated by the Council for Medical Schemes 01/18 V1
and administered by Discovery Health (Pty) Ltd, registration number 1997/013480/07, an authorised financial
services provider.
Plan Plan movements that Plan movements that are Exceptions
are allowed not allowed
KeyCare Access Essential Delta Comprehensive

KeyCare Core Classic Priority

Essential Priority

Classic Saver

Essential Saver

Essential Delta Saver

Classic Smart

Classic Core

Coastal Saver

KeyCare Plus KeyCare Core Executive Essential or Coastal Saver, if you move
more than 50km from your nearest
KeyCare Access Classic Comprehensive
KeyCare hospital or KeyCare GP.
Essential Smart Classic Delta Comprehensive
Proof of residence needed. Notify us
Classic Comprehensive Zero within three months of the relocation
MSA date before we allow the change:

Essential Comprehensive Essential Saver

Essential Delta Comprehensive Essential Core

Classic Priority Coastal Core

Essential Priority Essential Core

Classic Saver

Essential Saver

Essential Delta Saver

Coastal Saver

Classic Smart
KeyCare Plus
Classic Core
(continued)
Classic Delta Core

Essential Core

Essential Delta Core

KeyCare Access No plans All plans Essential or Coastal Core, if you move
more than 50km from your nearest
KeyCare hospital.

Proof of residence needed. Notify us

within three months of the relocation
date before we allow the change

KeyCare Core No plans All plans Essential or Coastal Core, if you move
more than 50km from your nearest
KeyCare hospital.

CONTACT US | TEL 0860 99 88 77 | PO BOX 784262 SANDTON 2146 | www.discovery.co.za PAGE 10 OF 12

Discovery Health Medical Scheme, registration number 1125, is regulated by the Council for Medical Schemes 01/18 V1
and administered by Discovery Health (Pty) Ltd, registration number 1997/013480/07, an authorised financial
services provider.
Plan Plan movements that Plan movements that are Exceptions
are allowed not allowed
Proof of residence needed. Notify us
within three months of the relocation
date before we allow the change

CONTACT US | TEL 0860 99 88 77 | PO BOX 784262 SANDTON 2146 | www.discovery.co.za PAGE 11 OF 12

Discovery Health Medical Scheme, registration number 1125, is regulated by the Council for Medical Schemes 01/18 V1
and administered by Discovery Health (Pty) Ltd, registration number 1997/013480/07, an authorised financial
services provider.
Contact us

You can call us on 0860 99 88 77 or visit www.discovery.co.za for more information.

Complaints process

The following channels are available for your complaints and we encourage you to follow the process:
Step 1 – To take your query further: If you have already contacted the Discovery Health Medical
Scheme and feel that your query has still not been resolved, please complete our online complaints form
on www.discovery.co.za. We would also love to hear from you if we have exceeded your expectations.
Step 2 – To contact the Principal Officer: If you are still not satisfied with the resolution of your
complaint after following the process in Step 1 you are able to escalate your complaint to the Principal
Officer of the Discovery Health Medical Scheme. You may lodge a query or complaint with Discovery
Health Medical Scheme by completing the online form on www.discovery.co.za or by emailing
principalofficer@discovery.co.za.
Step 3 – To lodge a dispute: If you have received a final decision from Discovery Health Medical Scheme
and want to challenge it, you may lodge a formal dispute. You can find more information of the Scheme’s
dispute process on the website.
Step 4 – To contact the Council for Medical Schemes: Discovery Health Medical Scheme is regulated by
the Council for Medical Schemes. You may contact the Council at any stage of the complaints process, but
we encourage you to first follow the steps above to resolve your complaint before contacting the Council.
Contact details for the Council for Medical Schemes: Council for Medical Schemes Complaints Unit, Block
A, Eco Glades 2 Office Park, 420 Witch-Hazel Avenue, Eco Park, Centurion 0157 |
complaints@medicalschemes.com | 0861 123 267 |www.medicalschemes.com

CONTACT US | TEL 0860 99 88 77 | PO BOX 784262 SANDTON 2146 | www.discovery.co.za PAGE 12 OF 12

Discovery Health Medical Scheme, registration number 1125, is regulated by the Council for Medical Schemes 01/18 V1
and administered by Discovery Health (Pty) Ltd, registration number 1997/013480/07, an authorised financial
services provider.