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In part twenty four of this series we looked at what the Classic Delta Core plan offers. Now we look at the Essential Core in terms of cost and where it fits into the big picture.

The difference between Core plans and the rest

I think if you had to boil it down to one major difference, it has to do with the medical savings account and above threshold benefits.

• The Executive plan has no self-payment gap and an unlimited above threshold benefit
• The Comprehensive range has a self-payment gap and an unlimited above threshold benefit
• The Priority range has a self-payment gap and a limited above threshold benefit
• The Saver range has no above threshold benefit but a day-to-day savings benefit
• The Core range only pays for chronic medication and hospital

The Essential Core Plan

This plan is less comprehensive than the Classic options:

• It allows you to use any private hospital, but
• It only pays 100% of the DHR for those expenses. Think of Discovery Health deciding that a procedure should cost R1, 000. This is known as the Discovery Health rate. On the Classic Core plan Discovery Health is willing to pay R2, 000 for that procedure. On the Essential Core range they only pay R1, 000.

Let’s start off with the cost:

• Main member – R1, 648 monthly
• Adult dependants – R1, 234 per adult
• Children – R661 per child (A maximum of three children are charged for)

Here’s how the cost compares to Classic Smart:

You can find our Discovery Health 2017 pillar articles by clicking on the links below:

• Part one – ***Discovery Health in a nutshell***
• Part two – ***Where does KeyCare fit in?***
• Part three – ***The Executive plan***
• Part four –  ***The Comprehensive range***
• Part ten – ***The Priority range***
• Part thirteen – ***The Saver range***
• Part nineteen – ***The Smart plan range***
• Part twenty two – ***The Core plan range***

If you’d like to drill down in more detail, here are the links to each and every plan:

• Part five – The Classic Comprehensive plan
• Part six – The Classic Delta Comprehensive plan
• Part seven – The Classic Comprehensive Zero MSA plan
• Part eight – The Essential Comprehensive plan
• Part nine – The Essential Delta Comprehensive plan
• Part eleven – The Classic Priority plan
• Part twelve – The Essential Priority plan
• Part fourteen – The Classic Saver plan
• Part fifteen – The Classic Delta Saver plan
• Part sixteen – The Essential plan
• Part seventeen – The Essential Delta Saver plan
• Part eighteen – The Coastal Saver plan
• Part twenty – The Classic Smart plan
• Part twenty one – The Essential Smart plan
• Part twenty three – The Classic Core plan
• Part twenty four – The Classic Delta Core plan

Do you need any assistance with your medical aid? Leave your details below and we will get in touch.

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Until next time.

The InsuranceFundi Team