Discovery Emergency Cover

From R218 a month for the main member. Prices read from Discovery on 21 October 2026.

Compare Health Insurance is a comparison website and does not give financial advice. Quote requests made through this site are handled by our advice partner, Curemed (Pty) Ltd, FSP 44098, an authorised financial services provider. We compare only products available through our advice partner, so this comparison is not independent of it. Every figure is from the named public source on the stated date.

Important: Discovery Emergency Cover is a non-life insurance policy. It is available only together with Flexicare.

How much does Discovery Emergency Cover cost in 2026?

What does each option cover?

• Emergency Core: Casualty and in-hospital treatment for defined accidents and trauma: burns, head or chest injuries or severe fractures from a fall, loss of a limb, near-drowning, poisoning or a serious allergic reaction, injuries from crime, assault, a car accident or at work. Premium for the R400,000 limit; R1 million limit: R313 per adult, R137 per child.
• Emergency Plus: Everything in Core, plus any medical emergency treated in a casualty unit, including admission for heart attacks and strokes. Casualty co-payment R200 at a network facility, R250 at a non-network facility, refunded if a heart attack or stroke is diagnosed. Premium for the R400,000 limit; R1 million limit: R440 per adult, R240 per child.
• Emergency Max: Everything in Plus, plus admission for 9 named emergencies (acute appendicitis, acute asthma, ectopic pregnancy, acute gall bladder inflammation, fit or seizure, acute pneumonia, kidney stones, acute renal failure, pulmonary embolism), with a R400,000 sublimit for these. Premium for the R400,000 limit; R1 million limit: R626 per adult, R341 per child.

What waiting periods apply?

• Emergency Cover waiting period of 1 month (2026 Flexicare leaflet)

Who can join?

• Flexicare members only; it then applies to the member and all registered dependants

Which doctors can I use?

Casualty co-payments are lower at network facilities (see Plus and Max).

What is not covered?

• Planned or non-emergency hospital admissions
• Conditions outside the defined list for the option chosen

This is a summary. The policy wording decides what is paid; ask the Advisor for it before you join.

How can I check this myself?

Every figure on this page comes from the Discovery documents listed under Sources. Open them, check the year on the premium table, and compare with your quote.