Discovery's Active Range

Discovery's Active range — currently sold as Active Smart — is the most affordable way onto Discovery. It's designed for young, single professionals or healthy young couples who mainly need hospital cover and a few essential day-to-day benefits.

Who the Active range is for

• Young professionals starting their careers.

• Healthy individuals without chronic conditions.

• Members whose main concern is unexpected hospital admissions.

• Members willing to use a specific network of providers in exchange for a lower contribution.

What you get

The Active range is a hospital plan with a curated set of day-to-day benefits. It's not a "rich" plan — it's a smart starter plan.

• Unlimited private hospital cover in the Active/Dynamic Smart hospital network.

• Cover for all 270+ Prescribed Minimum Benefits and 27 Chronic Disease List conditions.

• Network GP visits — unlimited at network GPs (small co-payment may apply).

• Defined preventative care: annual flu vaccine, child immunisations, basic dental and optometry check-ups.

• Over-the-counter medicine, capped per family per year.

• A Personal Health Fund — a points-style benefit that grows when you complete health activities (annual screenings, GP visit, etc.).

What you give up

The trade-off for the lower contribution is choice.

• You must use network hospitals for planned admissions — not whichever private hospital you choose.

• You must nominate a Smart GP — a single named GP in the Discovery network who manages your day-to-day care.

• Specialists require referral from your Smart GP for full cover.

• No traditional Medical Savings Account — you can't spend freely on day-to-day items outside the defined benefits.

How the Personal Health Fund works

Instead of an MSA, the Active range uses a Personal Health Fund (PHF). Think of it as a benefit pot that grows when you do healthy things. Complete your annual health check, register for Personal Health Pathways and tick off a few activities, and you can unlock additional benefits like extra GP visits, extended dental cover or specialist consultations.

This rewards engaged members and keeps premiums lower for everyone in the pool.

How chronic conditions are handled

If you're diagnosed with one of the 27 CDL chronic conditions, the Chronic Illness Benefit kicks in. Your nominated Smart GP manages the condition, and your chronic medication is paid by the scheme — not from any personal fund.

When the Active range is the wrong fit

• If you live in a rural area without nearby network hospitals.

• If you regularly see specialists without GP referrals.

• If you have multiple chronic conditions outside the CDL list.

• If your family has young children with frequent GP needs — the visit caps may bite.