Planning Ahead: Discovery Health Medical Aid Updates for 2026

As the year comes to a close, many South Africans are reviewing their medical aid options in preparation for 2026. Discovery Health has announced a series of updates to its medical schemes, offering members enhanced benefits and a clear view of next year’s premium adjustments. Understanding these changes can help you plan effectively and make the most of your medical aid coverage.

Medical Aid Premiums and Timing

Discovery Health has confirmed that medical aid premiums will increase by an average of 7.9% in 2026. This adjustment applies across most plans, including KeyCare, Executive, Comprehensive, and Coastal. Plans such as Saver and Priority will see slightly lower increases, around 6.9%, while the Active Smart plan remains unchanged at 0%, providing members with a cost-neutral option.

The premium adjustments will only take effect from 1 April 2026, giving members a three-month reprieve. This delay allows families and individuals to plan for the increases without immediate financial impact. For instance, a family of four on the Classic Comprehensive plan could save over R5,100 during the first three months of 2026, while a family of three on Classic Saver may save more than R2,000. This short-term reprieve helps households adjust their budgets and consider whether switching plans or adding benefits could be beneficial.

The delay is supported by Discovery Health’s strong solvency position, which remains comfortably above the minimum requirement. This ensures financial stability for members while allowing time to implement any necessary changes.

Introducing the Smart Saver Series

Discovery Health is introducing the Smart Saver series, a new medical aid plan designed to offer the best features of the Saver and Smart series at a market-related premium. This series targets members seeking comprehensive coverage without a high financial burden. The plan options include Classic Smart Saver and Essential Smart Saver, both providing flexibility for young families, professionals, and individuals who require reliable medical cover at a manageable cost.

The Smart Saver series combines essential hospital cover with day-to-day benefits in a way that balances affordability and value. This is particularly useful for families and professionals

looking to optimize their healthcare investment while ensuring financial security. Members can choose the plan that best suits their needs and lifestyle, with the reassurance of knowing they have access to quality care when needed.

Enhancements to Personal Health Pathways

Personal Health Pathways has become increasingly popular among Discovery Health members. This program guides members through a personalised healthcare journey based on their individual needs and health goals. From 2026, these pathways will be even more precise, offering actionable next steps and personalized advice to help members manage their health proactively.

Members can complete the recommended actions and earn rewards, which can be applied to day-to-day medical expenses. This encourages preventative care and ensures members can access the treatments they need while making the most of their medical aid benefits. The enhanced Personal Health Pathways are designed to support long-term health outcomes, helping members stay healthy and reduce potential medical costs over time.