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In part twenty six of this series we looked at what the Essential Delta Core plan offers. Now we look at the Coastal Core in terms of cost and where it fits in.

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 Coastal Core Plan

• This plan – like the Essential and Essential Delta Core – offers 100% of the DHR for in-hospital treatment by medical professionals.
• The other major difference is the choice of hospital. You must use a selected hospital in the four coastal provinces. Be careful though; always check to see if the hospital of your choice is recognised as a Coastal hospital by Discovery Health. Using a hospital anywhere else will result in Discovery Health only covering 70% of the cost.

Let’s start off with the cost:

• Main member – R1, 496 monthly
• Adult dependants – R1, 122 per adult
• Children – R596 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
• Part twenty five – The Essential Core plan
• Part twenty six – The Coastal Core plan

Are you looking for assistance with your medical aid? Why not leave your details below and we will get back to you.

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Until next time.

The InsuranceFundi Team