These waiting periods will be based on the period that they have belonged to a medical scheme, and their answers to underwriting questions. Members can downgrade their plan choice within their existing medical scheme at any point in time.
They have the option to upgrade their plan choice annually on 1 January. Plan upgrades at any other time during the year is not allowed, to protect members against the costs of selective upgrades. Whether a member is considering an alternative medical scheme, or a change of plan in their current scheme, it is advisable to contact their financial adviser, who can advise them on their available options. The most critical consideration is the medical needs of the member and their family.
Although a plan downgrade may save the member monthly contributions, the additional out-of-pocket expenses to continue to meet the medical needs of the family must be considered as well.
Members should consider network options, since these typically offer the same benefits, but within a defined network of healthcare facilities and healthcare professionals. Network options also offer a discounted contribution based on the network efficiencies. Members who do decide to downgrade their plan choice must be fully aware of the impact it will have on their future cover for healthcare.
This may include lower levels of day-to-day healthcare services, or lower levels of cover for major medical expenses like cancer and medical emergencies. Members should make alternative provision for the financial impact this may have.
The considerations are the same as for an existing member who is considering a change in plan, i. Members that move to a plan with lower levels of cover for day-to-day healthcare services on the basis of their current health must be aware of the impact the move may have on their cover for major medical expenses, including cancer. Although they may save in contributions, they may compromise themselves when it comes to the cover for really expensive medical events that are not really related to their current levels of health.
Discovery Health Medical Scheme provides members with digital and telephonic services to locate a healthcare provider whose services are covered in full by their plan. Copyright Discovery Ltd is the licensed controlling company of the designated Discovery Insurance Group. Companies in the Group are licensed insurers and authorised financial services providers.
Please click here to login into Discovery Digital Id. Log out to start a new session or go to the home page. Log in to start a new session or go to the home page.
Back to old site. Welcome to our new site. Got it. We will work closely with our regulator, our Administrator and Managed Care Provider, and the industry to shape an inclusive and complete healthcare system in South Africa. The Scheme's support of Discovery Health's shared value model, which engages stakeholders in working together towards better healthcare access and affordability, also contributes to positive regulatory reform and extends the Scheme's influence in driving beneficial change in our sector.
Financial strength and sustainability are key factors to consider when selecting a medical scheme. Sound financial control and risk management enables the Scheme to maintain its required solvency reserve levels, which ensure its ability to pay claims even when they are unexpectedly high.
The Scheme's income is derived only from member contributions and investment returns. The Scheme pools all contributions to fund members' claims, and any surplus funds are transferred to Scheme reserves for the security and benefit of members. In setting member contributions for each year, the Scheme aims to ensure sufficient contribution income to pay all claims, and to generate a modest surplus to meet regulated solvency requirements and maintain a cushion against unexpected cost increases.
This accords with the fundamental operating principles of a non-profit organisation that must meet the claims needs of its members as well as maintaining a statutory level of reserves. A portion of DHMS's income shown alongside is used to fund activities that benefit our members and ensure the Scheme's sustainability.
These activities include administration, managed care, financial advisers and the daily operations of the Scheme. To access the registered scheme rules approved by the Council for Medical Schemes, please log in. LTE Home Internet. Fios TV. Prepaid overview. Shop all entertainment. Apple Arcade. Google Play Pass. Apple Music. YouTube TV. Financial services. Why Verizon. Why Verizon overview. Wireless coverage map. Network awards. Global coverage.
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