2026 Rules Active
2026 Validated
Pregnancy Planning with Savings and Network Hospital
Actuarial Objective
For couples planning pregnancy, leveraging 6 antenatal consultations, 2 ultrasounds, and maternity programme
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.