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Flexicare
Household benefit brochure 2024
Affordable private day-to-day healthcare cover
Contents
Flexicare gives you peace of mind and certainty with smart, affordable private
day-to-day healthcare cover for your employees

WHY FLEXICARE? GET VITALITY ACTIVE

KEY FEATURES OF FLEXICARE UNDERWRITING

BENEFITS ON FLEXICARE IMPORTANT INFORMATION

DETAILED BENEFITS CONTRIBUTIONS

TRAUMA BENEFIT
 HOME

Why Flexicare? WHY

FLEXICARE

Employees aspire to have access to good quality healthcare. However, medical

scheme membership remains unaffordable for many individuals. Access to KEY FEATURES
affordable private healthcare is, therefore, highly valued by employees and OF FLEXICARE

substantially contributes to maintaining a healthy workforce while positively

impacting productivity and overall wellbeing.

BENEFITS ON
FLEXICARE

With more than 25 years’ experience, Discovery Health is a trusted healthcare partner in the
South African and international healthcare environments. Over this time, we have developed
DETAILED
industry-leading expertise in high-quality, affordable healthcare solutions. Our extensive BENEFITS
healthcare provider networks include doctors(GP), pharmacies, dentists and optometrists
across the country, supported by cutting-edge, real-time payment models with seamless
claims processing.

Flexicare is offered by Auto and General and administered by Discovery Health. TRAUMA

It was introduced to provide quality, affordable access to primary healthcare for employees BENEFIT

who are unable to access medical scheme benefits.

Flexicare leverages the combined expertise of Discovery Health and Auto and General to provide
a truly innovative, integrated healthcare product to complement the existing healthcare solutions GET VITALITY
available to employees. ACTIVE

Flexicare offers your employees access to essential day-to-day benefits through high-quality,
private healthcare providers in the Discovery Health network.

Based on affordability and the healthcare needs of your employees, you are also able to increase
the level of emergency cover offered through the optional Trauma benefits. UNDERWRITING

IMPORTANT
INFORMATION

CONTRIBUTIONS
01 | Flexicare | Household employees brochure
Everyone deserves access to quality healthcare
HOME

Flexicare gives your employees access to affordable private healthcare and a world-class suite of digital tools to help manage
WHY
their membership and access benefits on the go. Experience the peace of mind and certainty that comes with being in control FLEXICARE

of your employees health and wellbeing.

KEY FEATURES
OF FLEXICARE
FLEXICARE BENEFITS FLEXICARE PLUS BENEFITS

Unlimited GP consultations
BENEFITS ON
Unlimited nurse consultations FLEXICARE

Dentistry

X-rays DETAILED
BENEFITS
Flu vaccine

Eye care
TRAUMA
Medicine BENEFIT

Health Check

Maternity benefit
GET VITALITY

Procedures in GP’s rooms ACTIVE

Blood tests

Private ambulance services UNDERWRITING

HIV care

OPTIONAL ADD-ONS
IMPORTANT
INFORMATION
Trauma Benefit

Vitality Active

CONTRIBUTIONS
02 | Flexicare | Household employees brochure
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Benefits on Flexicare
WHY
PRIMARY HEALTHCARE FLEXICARE

GP consultations and services Flexicare Flexicare Plus

Doctor consultations Only when referred by a nurse on the network. Unlimited cover for network doctor (GP) consultations at 100% of the Agreed Rate. KEY FEATURES

Unlimited cover for network doctor (GP) consultations at 100% of the Agreed Rate. You can substitute your network doctor visit with a virtual consultation, meaning OF FLEXICARE

You can substitute your network doctor visit with a virtual consultation, meaning doctor visits can either be face-to-face or virtual. Risk management protocols apply.
doctor visits can either be face-to-face or virtual. Risk management protocols apply. Ability to change an allocated network doctor twice per year
Ability to change an allocated network doctor twice per year

Nurse consultations Unlimited cover for network nurse consultations at 100% of the Agreed Rate. BENEFITS ON
You can substitute your nurse visit with a virtual consultation, meaning nurse No cover FLEXICARE
visits can either be face-to-face or virtual.

Dentistry Full mouth examination, preventive treatments, cleaning, scaling, polishing,

No cover restorations and composite fillings, treatment of pain and sepsis, infection
control and extractions at a network dentist
DETAILED
Optometry (eye care) Cover for one eye test every year in the optometry network and one pair
No cover BENEFITS
of glasses (no contact lenses) every 24 months

Pathology (blood tests) Only when referred by a network GP after a nurse consultation. 100% of the Agreed Rate. Limited to approved pathology codes. Must be
100% of the Agreed Rate. Limited to approved pathology codes. Must be requested by a network doctor (GP) and performed by a network pathologist
requested by a network doctor (GP) and performed by a network pathologist
TRAUMA
Radiology (X-rays) Only when referred by a network GP after a nurse consultation. 100% of the Agreed Rate for black-and-white X-rays and soft-tissue ultrasounds. BENEFIT
100% of the Agreed Rate for black-and-white X-rays and soft-tissue ultrasounds. Must be requested by a network doctor (GP) and performed by a network radiologist
Must be requested by a network doctor (GP) and performed by a network radiologist

Maternity benefits Only when referred by a network GP after a nurse consultation. Unlimited network doctor visits throughout the pregnancy.
Unlimited network doctor visits throughout the pregnancy. Unlimited acute medicine in line with a defined medicine list prescribed or dispensed GET VITALITY
by a network doctor and collected from a network pharmacy. Essential blood and ACTIVE
Unlimited acute medicine in line with a defined medicine list prescribed or dispensed
by a network doctor and collected from a network pharmacy. Essential blood and screening tests through a network pathologist when referred by a network doctor.
screening tests through a network pathologist when referred by a network doctor. Two ultrasound scans for each pregnancy at a network provider (first ultrasound
Two ultrasound scans for each pregnancy at a network provider (first ultrasound between week 10 and 14, and the second between week 20 and 24)
between week 10 and 14, and the second between week 20 and 24)
UNDERWRITING
HIV management Access to HIV treatment, counselling and education.
Cover for antiretroviral medicine, multivitamins and supportive medicine, blood tests, X-rays and post-exposure prophylaxis medicine. All HIV-related queries
and cases are treated with complete confidentiality

COVID-19 testing Only when referred by a network GP after a nurse consult For confirmed positive COVID-19 results:
For confirmed positive COVID-19 results: Cover for one positive COVID-19 test, with access to out-of-hospital management and IMPORTANT
Cover for one positive COVID-19 test, with access to out-of-hospital management appropriate supportive treatment, including diagnostic testing, basic chest X-rays and INFORMATION
prescribed medicine
and appropriate supportive treatment, including diagnostic testing, basic
chest X-rays and prescribed medicine

CONTRIBUTIONS
03 | Flexicare | Household employees brochure
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Procedural treatment

Only in a network GP’s rooms when referred by a nurse. Cover for a defined list of medical procedures that can be performed
Medical procedures WHY
Cover for a defined list of medical procedures that can be performed in a network doctor’s rooms, such as biopsies, wound care and stitching
in doctor’s room only FLEXICARE
in a network doctor’s rooms, such as biopsies, wound care and stitching

Code Description

0206 Intravenous treatment, intravenous infusions, insertion of cannula – chargeable once every 24 hours
KEY FEATURES
0244 Repair of nail bed OF FLEXICARE

0255 Drainage of abscess

0259 Removal of foreign body

0300 Stitching of additional wound BENEFITS ON

FLEXICARE
0301 Stitching of additional wound

0307 Excision and repair

0308 Each additional small procedure done at the same time

DETAILED
0316 Fine-needle aspiration for soft tissue (all areas)
BENEFITS

0317 Aspiration of cyst or tumour

0321 Biopsy or excision of cyst, benign tumour, aberrant breast tissue, duct papilloma

0887 Limb cast (excluding aftercare) TRAUMA

BENEFIT
0922 Removal of foreign bodies requiring incision

1136 Nebulisation (in rooms)

1192 Peak expiratory flow only

GET VITALITY
1228 General practitioner’s fee for taking of an ECG only (without effort:) ½ (item 1232)
ACTIVE
1229 General practitioner’s fee for taking of an ECG only (with or without effort:) ½ (item 1233)

1232 Electrocardiogram without effort

1233 Electrocardiogram with or without effort

UNDERWRITING
1234 Effort electrocardiogram with the aid of a special bicycle ergometer, monitoring apparatus and availability of associated apparatus

1235 Multi-stage treadmill test

1236 Electrocardiogram without effort: under 4 years old

1996 Bladder catheterisation: male (not at operation) IMPORTANT

INFORMATION
1997 Bladder catheterisation: female (not at operation)

CONTRIBUTIONS
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Procedural treatment
2133 Circumcision: clamp procedure
WHY
2137 Circumcision: surgical excision other than by clamp or dorsal slit, any age FLEXICARE

2139 Circumcision: dorsal slit of prepuce (independent procedure)

Routine obstetric ultrasound at 10 to 20 weeks gestational age, preferable at 10 to 14 weeks gestational age to include nuchal translucency
3615
assessment
KEY FEATURES
3617 Routine obstetric ultrasound at 20 to 24 weeks to include detailed anatomical assessment OF FLEXICARE

Medicine

Day-to-day medicine Only when prescribed by a network GP after a nurse consultation. Cover for medicine on our list if a network doctor prescribes it or gives it to you
Cover for medicine on our list if a network doctor prescribes it or gives it to you BENEFITS ON
FLEXICARE
Over-the-counter (OTC) medicine Cover for self-medication on our list, up to R150 per policy per year, up to R75 Cover for self-medication on our list, up to R110 per quarter – a maximum
bi-annual limit, at a network pharmacy of R440 per member per year, at a network pharmacy

Chronic medicine Cover for HIV medicine on the defined medicine list at a network pharmacy Cover for chronic medicine on the defined medicine list for 27 chronic
conditions (including HIV) at a network pharmacy
DETAILED
BENEFITS
Screening and prevention

Flu vaccine Cover for a flu vaccine once a year from a network pharmacy

Wellness screening Cover for one wellness screening per year at a network pharmacy or wellness day. Screening includes blood pressure,
TRAUMA
blood glucose (blood sugar), cholesterol and body mass index (BMI). You can have an HIV test done at the same time
BENEFIT

Emergency benefits

Ambulance service Access to emergency medical services through Netcare 911 ambulance services. Transportation to an appropriate state hospital.
Limited to road transportation only. You can call Netcare 911 on 0860 999 911 or the Flexicare call centre on 0860 44 47 79 GET VITALITY
ACTIVE

You will not need to pay for approved treatments received from a network provider. However, if you use a provider that is not a part of the network, or if an unapproved treatment is provided, you will be
responsible for 100% of the costs.

UNDERWRITING

IMPORTANT
INFORMATION

CONTRIBUTIONS
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Detailed benefits
WHY
FLEXICARE

Benefit name Benefit description Limit

Primary healthcare KEY FEATURES

OF FLEXICARE

General practitioner (GP) visits (available on This benefit provides access to visit a network doctor (GP), and such visits will The number of visits to a network doctor (GP) is unlimited for each member
Flexicare when referred by a nurse) be covered at 100% of the Agreed Rate in the following instances: every year
You can substitute your visits to a network doctor (GP) with virtual
consultations. BENEFITS ON
You have cover for a defined list of medical procedures that can be done FLEXICARE
in a network doctor’s rooms, such as biopsies, wound care and stitching
Nurse visits (Flexicare only) This benefit provides access to visit a network nurse, and such visits will
be covered at 100% of the Agreed Rate.
You can substitute your visits to a network nurse with virtual consultations DETAILED
BENEFITS
Virtual consultations (available on Flexicare This benefit provides access to a virtual consultation via the Discovery website. Unlimited visits
when making use of the NetClinic network) You can substitute your visit to network doctor (GP) with a virtual consultation

TRAUMA
Medicine
BENEFIT

Acute medicine (short-term medicine) This benefit provides access to acute medication. Cover is at 100% of the This benefit is unlimited
(available on Flexicare when referred Agreed Rate if the following conditions are met:
by a nurse to a GP) All acute medicine must be prescribed or dispensed by a network doctor (GP). GET VITALITY
The medication must be on the medicine list (formulary) for acute medicine ACTIVE
and will be available without a co-payment.
The acute medicine must be provided by either a dispensing network doctor
(GP) or by a network pharmacy (if the prescribing doctor is part of the
network but does not dispense medicine).
UNDERWRITING
The acute medicine will not be covered if it is prescribed by a non-network
doctor (GP) or if it is obtained from a non-network pharmacy
Over-the-counter (OTC) medicine OTC medicine may only be obtained at a network pharmacy and on advice Flexicare: The OTC medicine benefit is limited to R150 per policy per year,
of the pharmacist. OTC medicine must be on the medicine list (formulary). up to R75 bi-annual limit.
Flexicare Plus: The OTC medicine benefit is limited to R110 every quarter,
IMPORTANT
up to a maximum of R440 for each member every year INFORMATION

CONTRIBUTIONS
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Benefit name Benefit description Limit

Flu vaccine Members have cover for one flu vaccination every year This benefit is limited to one flu vaccination
WHY
Chronic medicine (long-term medicine) Chronic medicine will be covered in full (100% of Agreed Rate) if the prescribed Chronic medicine is available for the following conditions: FLEXICARE
(Flexicare Plus only) medicine is on the medicine list (formulary) for chronic medicine. Addison’s disease Dysrhythmias
You can get your chronic medicine at a network pharmacy Asthma Epilepsy
Bipolar mood disorder Glaucoma
Bronchiectasis Haemophilia
KEY FEATURES
Cardiac failure HIV (see details in section below) OF FLEXICARE
Cardiomyopathy Hyperlipidaemia (high cholesterol)
Chronic renal disease Hypertension (high blood pressure)
COPD (chronic obstructive Hypothyroidism (underactive thyroid)
pulmonary disease) Multiple sclerosis
Coronary artery disease Parkinson’s disease BENEFITS ON
FLEXICARE
Crohn’s disease Rheumatoid arthritis
Diabetes insipidus Schizophrenia
Diabetes mellitus type 1 Systemic lupus erythematosus
Diabetes mellitus type 2 Ulcerative colitis
HIV cover (Flexicare and Flexicare Plus) HIV medicine will be covered in full (100% of Agreed Rate) if the prescribed DETAILED

medicine is on the medicine list (formulary) for chronic medicine. BENEFITS

You can get your HIV medicine at a network pharmacy

HIV care
TRAUMA
BENEFIT
HIV Programme The HIV Programme is designed to optimise the health and wellbeing of Unlimited HIV medicine is covered from the date of registration of your
HIV-positive patients. The HIV Management Programme includes: chronic medicine by your network doctor (GP) or allocated doctor (GP)
Voluntary counselling and testing
Antiretroviral therapy, prophylactic antibiotics and supplements
GET VITALITY
Treatment support and guidance
ACTIVE
Pathology and monitoring (including CD4, viral load, liver enzymes,

cholesterol, glucose, urine tests), according to protocols
Emergency post-exposure medicine is provided if the accidental exposure
is brought to the attention of the network doctor (GP) within 72 hours

UNDERWRITING
Dentistry

Dentistry (Flexicare Plus only) The benefit is only covered when making use of a network dentist.
Consultations A single consultation for a full mouth examination for each member every year IMPORTANT
Preventive treatments include cleaning, scaling, polishing Limited to one for each member every year INFORMATION

Restorations and composite fillings Preauthorisation is required for four or more restorations (repairs to teeth),
or five or more composite fillings per family every year

CONTRIBUTIONS
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Benefit name Benefit description Limit

Extractions For a single tooth extraction, a maximum of 1 per quadrant per 365 days.
WHY
Extraction of each additional tooth in the same quadrant: 1 per member
FLEXICARE
per 365 days.
Oral radiography Maximum numberof 7 per year, according to dental protocol.
Additional dentistry benefits Diagnosis and treatment of pain and sepsis
Infection control
KEY FEATURES
Oral hygiene advice on how to keep the mouth and teeth clean to prevent OF FLEXICARE
dental problems
Local anaesthetic

Optometry
BENEFITS ON
FLEXICARE

Optometry (Flexicare Plus only) Eye examinations: Eye examinations are limited to one for each member every year and includes
The Optometry Benefit is subject to availability at a network optometrist only. a visual evaluation, screening and a diagnosis.

Spectacles and lenses: Spectacles and lenses will be limited to one pair for each member in a
The Optometry Benefit is subject to availability at a network optometrist only. 24-month period. The benefit includes standard, high-quality clear plastic lenses, DETAILED

single-vision lenses and bi-focal lenses. Qualifying norms will apply. BENEFITS

Frames: Frames will be limited to a single frame for each member in a 24-month period.
The Optometry Benefit is subject to availability at a network optometrist only. You have full cover for approved frames at a provider in the network.
If you choose a frame that is not part of the approved selection, you will have
to pay the extra cost. TRAUMA
BENEFIT

Radiology

Radiology The Radiology Benefit provides access to black-and-white X-rays and soft-tissue This benefit is unlimited.
GET VITALITY
ultrasounds according to a list of the approved codes and are paid at 100% of ACTIVE
the Agreed Rate.
A network doctor (GP) must request the radiology tests and you have to take the
radiology request form to the radiologist.

Pathology UNDERWRITING

Pathology Pathology tests are limited to the list of approved pathology codes and are paid This benefit is unlimited.
at 100% of the Agreed Rate.
The tests must be requested by a network doctor (GP) and the tests must be IMPORTANT
done by a pathology laboratory in the network – Ampath, Lancet, Pathcare. INFORMATION
You have to take the pathology request form to the pathology lab.

CONTRIBUTIONS
08 | Flexicare | Household employees brochure
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Trauma Benefit
WHY
FLEXICARE
Optional Trauma Benefit, offered by Discovery Insure

TRAUMA EVENT COVER MEDICAL EVACUATION

KEY FEATURES
To provide access to emergency private healthcare services for a broad range of If your employees experience a traumatic event, they have cover for medical evacuation OF FLEXICARE

traumatic events at any private hospital, you can enhance cover for your employees services to the most clinically appropriate hospital facility.
and their dependants through the Trauma Benefit.

STABILISATION AND TREATMENT WHEN

Employees are covered for medical treatment relating to these events up to a defined BENEFITS ON
limit. You can choose a limit of either R400,000 or R1 million per admission.
ADMITTED TO HOSPITAL FLEXICARE

Your employees also have cover for in-patient hospital stabilisation and treatment.
There are no hospital network restrictions and in the case of a traumatic event,
Depending on the option you choose, they are covered up to R400,000 or R1 million
emergency services will determine the most clinically appropriate course of action.
per admission for hospital and related accounts.
DETAILED
Following the event, Discovery will reach out to your employee and their family and offer If treatment costs more, the employee will need to pay for amounts over their limit. BENEFITS

two counselling sessions, either face-to-face or telephonically, with a trained trauma or If the hospital and related accounts reach the Trauma Benefit cover limit, your
support counsellor. employees will be transferred to a state facility or discharged if stabilised.

TRAUMA
BENEFIT

WE COVER TREATMENT FOR THE FOLLOWING TRAUMA CONDITIONS

Burns Near-drowning GET VITALITY
ACTIVE

Head injuries, chest injuries or severe fractures 
Poisoning or a serious allergic reaction that may cause death
as a result of a fall 
Injuries resulting from a crime, sexual assault,
Loss of an arm, hand, leg or foot a car accident or an injury at work

UNDERWRITING

IMPORTANT
INFORMATION

CONTRIBUTIONS
09 | Flexicare | Household employees brochure
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Get Vitality Active WHY

FLEXICARE
OPTIONAL VITALITY ACTIVE,
OFFERED BY DISCOVERY VITALITY
KEY FEATURES
OF FLEXICARE

Household employees have access to Vitality Active,

the world’s leading science-based behaviour change
programme that reduces the cost of healthy living
and rewards and encourages members to make BENEFITS ON
FLEXICARE
healthy choices.

DETAILED
BENEFITS

TRAUMA
BENEFIT

GET VITALITY
ACTIVE

UNDERWRITING

IMPORTANT
INFORMATION

CONTRIBUTIONS
10 | Flexicare | Household employees brochure
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Underwriting
WHY
FLEXICARE

WAITING PERIODS
KEY FEATURES
A waiting period means that your employees or OF FLEXICARE
their dependants cannot claim for the associated
healthcare services during the waiting period. Unless
otherwise approved the following waiting periods will
apply. A 12-month, condition-specific waiting period BENEFITS ON
may be applied for any condition (including chronic FLEXICARE
illnessesand HIV) that existed before the start date of
the membership.

WAITING PERIOD DESCRIPTIONS DETAILED

BENEFITS
General waiting period

1-month general waiting period on all benefits

Radiology and Pathology waiting period


1-month waiting period TRAUMA
BENEFIT
Dentistry waiting period

3-month waiting period

Optometry waiting period


3-month total waiting period GET VITALITY
ACTIVE
Maternity waiting period

12-month waiting period

HIV waiting period


12-month waiting period
UNDERWRITING

Chronic Conditions waiting period


12-month waiting period

Over-The-Counter Medicine waiting period


1-month waiting period IMPORTANT
INFORMATION
Trauma Benefit waiting period

1-month waiting period

CONTRIBUTIONS
11 | Flexicare | Household employees brochure
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Important information
WHY
FLEXICARE
EXTENDING COVER TO DEPENDANTS
 og on to the Discovery website to complete the Addition of Dependant
L
application process. You can add your employees spouse(s) and
dependant(s)to Flexicare.. KEY FEATURES
OF FLEXICARE
 ewborns can join without waiting periods if you add them to your
N
employees policy within 90 days of birth.

If your employees or their dependants have a break of more than 30 days
in your membership, all waiting periods will be applied when reapplying BENEFITS ON

for cover. FLEXICARE


There is no limit to the number of children that will be allowed on the policy.
Each child will be charged for separately and can stay on Flexicare if they
depend on you financially. Child dependants who turn 21 will be charged the
DETAILED
adult dependant premium rates from the month after their 21st birthday. BENEFITS

TRAUMA
ELIGIBILITY BENEFIT

Your employees and their dependants cannot be members

of a medical scheme administered by Discovery Health and
have the Flexicare product at the same time. GET VITALITY
ACTIVE

UNDERWRITING

IMPORTANT
INFORMATION

CONTRIBUTIONS
12 | Flexicare | Household employees brochure
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Your contributions
WHY
FLEXICARE
Flexicare premiums for your employees, with pricing for the optional Trauma
Benefit and Vitality Active.

Role Flexicare Flexicare Trauma** Trauma** Vitality KEY FEATURES

Plus R400,000 R1,000,000 Active OF FLEXICARE

Main member R350 R469 R187 R262 R129

Spouse R350 R434 R187 R262 R79

BENEFITS ON
Adult R350 R434 R187 R262 R79
FLEXICARE

Child* R239 R249 R70 R116 R79

DETAILED
*
There is no limit to the number of children that we allow on the policy. We charge separately for each child and they can stay
BENEFITS
on Flexicare if they depend on your employee financially. For child dependants, we charge the adult dependant premium from
the month after their 21st birthday.
**
The Trauma Benefit is optional. If you activate this benefit, it will apply to your employees and their registered dependants
on Flexicare. You must select a cover limit of either R400,000 or R1 million.
TRAUMA
BENEFIT

Join Flexicare today

GET VITALITY
ACTIVE

SCAN BELOW TO REQUEST

WHATSAPP
A CALLBACK UNDERWRITING
Add us on 0860 44 47 79 and get in touch
whenever you need information or have
questions about Flexicare.

IMPORTANT
CALL CENTRE INFORMATION

0860 44 47 79

CONTRIBUTIONS
13 | Flexicare | Household employees brochure
Underwritten by Flexicare is not a medical scheme. The cover is not the same as that of a medical scheme and is not intended to be a substitute for medical scheme membership. Flexicare and Auto & General Accident Cover is
administered by Discovery Health (Pty) Ltd, registration number 1997/013480/07 an authorised financial services provider and underwritten by Auto & General Insurance Company Limited, registration number
1973/016880/06, a licensed non-life insurer and financial services provider. Terms, conditions and limits apply.

Discovery Vitality (Proprietary) Limited, registration number: 1999/007736/07. Terms, conditions and limits apply.

The Trauma Benefit is a non-life insurance policy, underwritten by Discovery Insure Ltd, registration number 2009/011882/06, a licensed non-life insurer and an authorised financial services provider.
Flexicare is a separate non-life insurance policy and is not conditional on the purchase of a Trauma Benefit policy.

RCK_99055DH_26/09/2023_V8