What is the WELLTH Fund
Discovery Health Medical Scheme made the biggest single investment in the long-term health of its members by introducing the WELLTH Fund in 2023. COVID-19 had an extraordinary impact on the healthcare choices we make, with many people deferring their routine, preventative care during the past few years. At the same time, people have become more conscious of their health and wellness.
You and your family will have had access to a once-off, additional risk benefit called the WELLTH Fund, offering up to R10 000 per family to empower you and your family members to understand and address your personal healthcare needs.
From 2025, you will no longer be able to able to unlock your Wellth Fund. If you unlocked your Wellth Fund during 2024, you will be able to use your remaining funds until the end of 2025 or until you have depleted your funds.
What does the WELLTH Fund cover?
The WELLTH Fund covers a comprehensive list of healthcare services to ensure that you are empowered to take specific action according to your individual health needs. This benefit is separate from and additional to the Screening and Prevention Benefit and will be available to all existing and new members of the Scheme.
The WELLTH Fund benefit is separate from and additional to the Screening and Prevention Benefit and will be available once per lifetime for all members and dependants who have completed their health checks. Your WELLTH Fund can be used for appropriate screening and prevention healthcare services up to your WELLTH Fund limit. Cover is subject to the Scheme's clinical entry criteria, treatment guidelines and protocols.
Your health UNLOCKED!
Listen to the Your health UNLOCKED! Podcast with Gareth Cliff
WELLTH Fund testimonials
Discovery Health Medical Scheme member, Romy Pillay, used the WELLTH Fund to keep her family's health in check.
Discovery Health Medical Scheme Member, Siya Ngqeleni shares how the WELLTH Fund has helped him to better manage his and his son's health.
Tanny Mpetshawa, mom to a 5 year old boy, knows all too well about kiddies' health issues, which is why she was pleased to have the added cover of the WELLTH Fund.
True WELLTH is knowledge:
Understanding the WELLTH Fund
Understand how to unlock your WELLTH Fund and the comprehensive list of healthcare services available to you and your family.
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Importance of screening
Early detection of any health risks ensures that you are empowered to take specific action according to your individual health needs.
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Managing your health
Learn more about the regular checks you should do to better manage your chronic condition and improve your health outcomes.
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Healthy living - starting today
Do you know what you need to do to be as healthy as you can possibly be? Here are tips to help you lead a healthier lifestyle.
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Have a question? Check our FAQs!
Yes, the WELLTH Fund covers the following specific medical devices if they have a registered NAPPI code and are bought from a registered healthcare provider with a valid practice number (such as a pharmacy or doctor):
- Blood pressure monitors
- Glucometers
- Cholesterol monitors
- Peak flow meters
- Spirometers
It depends on which health plan you have.
Plan network rules apply for members on Smart and KeyCare plans:
- Members on Smart plans must use a Smart network GP for GP services covered by the WELLTH Fund.
- Members on KeyCare plans must use their allocated GP for GP services covered by the WELLTH Fund.
Members on all other plans may use a provider of their choice and do not have to use a network provider to be covered by the WELLTH Fund.
No, it will not. Claims paid from the WELLTH Fund will accumulate to the WELLTH Fund limit.
No, claims paid from the WELLTH Fund do not impact your Medical Savings Account or Above Threshold Benefit, where applicable. Consultations and/or therapy that are not covered by the WELLTH Fund will be paid from your available day-to-day Allied, Therapeutic, Psychology Benefit.
No, you cannot claim any medication from the WELLTH Fund.
- To book an appointment for a Health Check so you can unlock your WELLTH Fund, use the booking option on your WELLTH Fund dashboard.
- To book an appointment for any of the screening and preventative check-ups covered by the WELLTH Fund, use the "Find a Provider" functionality on the Discovery website or app.
- You can also use the WELLTH Fund Tool to guide you on which check-ups are recommended for you, based on your age and gender. From the recommended check-ups, you can then book an appointment with a healthcare provider near you.
Yes, children registered on the Discovery Health Medical Scheme policy who are younger than two can go for screening and preventative check-ups covered by the Fund, as soon as it has been unlocked.
A Health Check is a simple but helpful set of basic health screenings that are covered annually. A Health Check is performed at the point of care with finger-prick tests, where appropriate. Some of the screenings include:
Blood pressure
Blood sugar
Cholesterol or lipogram tests
Weight or body mass index (BMI) assessments
Non-smokers declaration (NSD)