Discovery Health: KeyCare Start
Capitated
2026 Plan
From R 3 765/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 3 765
Adult dependantR 3 765
Child dependantR 1 024
Max 3 children billed.
Income-banded pricing:
R0 - R10,950R 1 436 / R 1 436 / R 875
R10,951 - R16,550R 2 107 / R 2 107 / R 947
R16,551 - R25,150R 3 306 / R 3 306 / R 992
R25,151+R 3 765 / R 3 765 / R 1 024
Hospital Cover
Limit: Unlimited
Network: Restrictive network
Network name: KeyCare Start Network
Chronic Cover
27 conditions covered (27 PMB + 0 additional)
Plan highlights
- Covered in full at your chosen KeyCare Start Network Hospital. If you do not use your chosen KeyCare Start Network Hospital, you will have to pay all the costs. This does not apply in an emergency.
- Covers 27 chronic conditions.
Who is KeyCare Start for?
- Members happy to use a defined network of GPs and hospitals in exchange for lower premiums
- People prioritising affordable monthly contributions over freedom of choice
- Members on income-banded pricing — pay according to what you earn
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
Coastal Saver
Savings
From R 3 797/month
27 chronic conditions
Restrictive network
Classic Core
Hospital Plan
From R 3 652/month
27 chronic conditions
Any private hospital
Essential Saver
Savings
From R 3 634/month
27 chronic conditions
Any private hospital
Frequently asked questions
Source: Discovery Keycare 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.