Discovery Health: Essential Smart Saver
Savings
2026 Plan
From R 2 750/monthGet a free callback
Heads up: This is general information, not financial advice. Pricing is sourced from the official Discovery Health 2026 brochure but may change — always confirm directly with Discovery Health before joining.
Monthly Contributions
Main memberR 2 750
Adult dependantR 2 350
Child dependantR 895
Max 3 children billed.
Hospital Cover
Limit: Unlimited
Network: Restrictive network
Network name: Smart Hospital Network
Chronic Cover
27 conditions covered (27 PMB + 0 additional)
Plan highlights
- Unlimited private cover in the Smart Hospital Network.
- Full cover for chronic medicine on our formulary for all Chronic Disease List conditions.
- Personal Health Fund covers out-of-hospital healthcare services according to your individual health needs.
- Cover for medical emergencies when you are travelling.
Who is Essential Smart Saver for?
- Members who want flexibility — use savings for any healthcare expense
- People with predictable but not heavy day-to-day usage
- Budget-conscious members looking for entry-level cover
This is general guidance. Use our free calculator to see whether this plan matches your specific needs and budget.
What's covered
- Unlimited hospital cover at restrictive network
- 27 chronic conditions (27 PMB + 0 additional)
- All Prescribed Minimum Benefits (PMB) — required by South African law
What to watch out for
- Planned admissions at hospitals outside the network — co-payments apply
- Chronic conditions outside the 27 statutory PMB list
- Cosmetic procedures, alternative therapies and certain elective treatments
- Out-of-hospital costs above your annual day-to-day limit (where applicable)
Compare with similar Discovery Health plans
KeyCare Core
Hospital Plan
From R 2 845/month
27 chronic conditions
Restrictive network
Essential Delta Saver
Savings
From R 2 898/month
27 chronic conditions
Restrictive network
Classic Delta Core
Hospital Plan
From R 2 923/month
27 chronic conditions
Restrictive network
Frequently asked questions
Source: Discovery Smart Plan Guide 2026 — accessed 2026-04-28.
Information sourced from Discovery's official 2026 plan guide. Contributions and benefits may change. Always confirm with Discovery before joining.
We are not a financial services provider and do not offer financial advice.