They never pay out what they say they will when you sign up and what they say on paper.

After paying nearly R20k per month for the top cover for our families health cover when it comes time to pay Discovery will always find a reason not to pay. my son is going in for a nose reconstruction and which Discovery has approved as a valid medical operation but will only pay 1/3 of the bill. Like my anti-depressant medication that they say they will cover 100% they don't as everything has limits even when the plan says "unlimited".