Don't choose Classic Smart for the "Sports Injury Benefit", not worth it. Choose a lower tier.

I wrote a review at the start of May about the "Sports Injury Benefit" and how difficult it is to claim, here's that first review: https://www.hellopeter.com/discovery-health/reviews/sports-injury-benefit-is-a-***

I then followed up with another review 10 days later, discussing mainly that I was being instructed by Discovery Health to "train" the medical practices I dealt with on how to submit ICD 10 codes, as they failed to submit the right codes which failed my claims. It's worth noting that Discovery has no "margin for error" with these codes and will deny your claim even if a code is partially incorrect or the invoice is without a doubt related to the injury based on descriptions. Here's that review: https://www.hellopeter.com/discovery-health/reviews/sports-injury-benefit-is-a-*******-***

Today I am writing to complain about my why my physical therapy related to my injury was rejected. In short, I broke a finger quite badly and was referred by a Hand Surgeon to a the****** within their practice, the the****** performed physical therapy on my finger, bending and stretching it, showing me the physio I'd have to "exercise" alone and they also constructed a brace for the finger.

I received correspondence from Discovery that the Sports Injury Benefit does not cover occupational therapy, which is the designation the the****** held.

The reality is, the "Sports Injury Benefit" is complicated to the point where you the beneficiary will have to jump through endless hoops and complete admin for discovery, while in pain.

I have since injuring my finger had a fracture in my Fibula obtained in soccer, I visited my GP, got a referral to Xrays, Saw a specialist and am going to physio currently, I am not going to claim for any of this and am happy to pay out of pocket, the thought of trying to submit this as a claim feels like too much of a mountain to climb. I am done with Discovery, and I think my company will be looking elsewhere for company medical benefit as well.