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    • 重大疾病险 >
      • 身体健康检查重要指标
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      • 标准销售话术
Daberistic
  • I would like to
    • Covid-19 toolkit
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    • Invest >
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      • 2022 Millionaire Investment Plan
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    • Update my policy >
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        • Allan Gray Debit Order
      • Life insurance
      • Arrear Premiums
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    • Our fund selection process
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    • Tax-free Investment Plan >
      • Apply for Tax-free Investment Account
    • Unit Trusts
    • Guaranteed Investments >
      • Guaranteed Investments Q&A
    • Preservation funds
    • Offshore
    • Education plan
    • Endowment
    • Participation Bond
    • Deposits
    • Business investment accounts
    • Private investment accounts
    • Exchange Traded Funds
    • Share investing
    • Personalised share portfolio
    • Retirement income
  • Retirement Funds
    • Starting a Fund - What to Consider
    • Retirement Funds - Your Rights
    • What is Regulation 28?
  • Health
    • Our services
    • Discovery Health >
      • How to Select a Discovery Medical Plan
      • 2022 Update
      • 2023 Update
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      • International Travel Benefit
    • Discovery Vitality >
      • 2022 Update
      • 2023 Update
    • Momentum Health >
      • Momentum Health Products
      • 2022 Update
      • 2023 Update
    • Bonitas >
      • 2022 Update
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  • Life
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      • Life insurance special offer
    • Accidental cover
    • Income protection
    • Lump sum disability
    • Business Assurance
    • Severe Illness
  • Insure
    • About Short Term
    • Service Charter
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      • Goods in Transit Insurance
      • Professional Insurance
    • Car / House Insurance
    • SASRIA
    • Frequently Asked Questions
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      • Pocket Guide To Money
      • Setting goals
      • Budgeting and cashflow management
      • Consumer Protection Act
    • Retirement planning >
      • Retirement Q&A
    • Risk planning >
      • Retirement funds
    • Tax planning
    • Investment planning >
      • What are unit trusts?
      • Active and passive investing
      • Chasing fund performance may be hazardous to your wealth
      • Understanding risk on and risk off
    • Family trusts
    • Wills and estate planning >
      • Make a will
      • Administering an estate / Duties of an Executor
      • What the executor must do once appointed
    • Business planning
    • Frequently asked questions
  • Accounting & Tax
    • About us >
      • DAA Proatia Manual
    • Accounting
    • Tax >
      • 2022 South Africa Budget and Tax Guide
      • 2020 South Africa Budget and Tax Guide
      • 2019 South Africa Budget and Tax Guide
      • 2017 South Africa Budget and Tax Guide
    • Business Plan
    • Company Registration & Secretarial Services
    • Audit/Review/Compilation report
    • Frequently asked questions >
      • Establishing a Business in South Africa
  • About us
    • Who we are
    • What sets Daberistic apart
    • How we help our clients
    • Our clients
    • Community involvement
    • Company Documents >
      • Privacy Policy
      • Complaints Resolution Policy
      • Conflict Of Interest Policy
      • PAIA Manual
    • Disclosures >
      • POPIA Consent
      • Email Confidentiality Notice And Disclosure
    • Company News >
      • Heritage Day 2015
      • Mandela Day 2016
    • Daberistic Academy >
      • Car insurance rating factors
      • Investment seminars
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        • Sales Scripts
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        • Employee Benefits
        • Company Values
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        • Gap cover
        • Excel
        • Retirement -
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        • Telephone etiquette
        • Client service etiquette
      • Mini MBA
    • Careers >
      • Positions >
        • Healthcare Consultant/Business Development Manager
      • Questionnaires >
        • Pre-interview Elementary Test
        • Chinese Client Consultant Pre-interview Questionnaire
        • Short-term Insurance Administrator Pre-interview Questionnaire
        • HR and Finance Administrator Pre-interview Questionnaire
    • Contact us >
      • Cancellation
  • 我想要
    • 德博理财专栏
    • 查看旧德博理财专栏
    • 促销活动 >
      • 百万富翁投资计划
      • 半百万富翁投资计划
      • Fedgroup飞达参与分红债券
    • 申请新保险 >
      • 员工团体保险
      • 寿险/意外险报价资料表
      • 国际学生医疗保险2023
      • 商业保险
      • 医疗保险需求评估
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      • 加入活力健康计划
      • 投资 >
        • 投资方案报价
        • 孩子教育基金. >
          • 非洲排名前100高中
          • 南非高校排行榜
        • 为年老时存钱.
        • 闲钱投资.
        • 月领退休金.
        • 免税投资账户.
        • 投资型保单.
        • 股票.
        • 基金
        • 海外基金
        • 房地产基金.
        • 投资
      • 汽车保险报价
      • 店面投保
    • 现有保单管理 >
      • 保费没扣到
      • 在线税务证明申请表格
      • 人寿险/意外险保单管理
      • 医疗保险客服 >
        • 新生儿加保申请表格
        • 家属退保申请表格
        • 国际旅游医疗福利
        • Discovery医保怀孕生产幼儿福利
        • 下载Discovery医疗保险证明
        • 下载Discovery医保税务证明
        • Sirago附加险索赔提交
      • 投资账户管理
      • 产物保险管理
      • 客服满意度问卷
    • 申请索赔 >
      • 申请车险索赔
    • 住院
    • 常用专科医生名称中英文对照
    • 出车祸处理
    • 设立遗嘱 >
      • 遗嘱的生效和不生效
      • 遗嘱的处分
      • 遺囑執行人被任命後
    • 聘德博为经纪人
    • 非居民在南非开银行账户
    • 投资移民
    • 唐人街商铺联系方式
  • 财富管理
    • 如何选择投资产品
    • 企业投资账户
    • 私人投资账户
    • 孩子教育基金
    • 为年老时存钱 >
      • 退休需要認真金錢
    • 闲钱投资
    • 海外投资 >
      • 如何投资海外资产
      • 南非外汇管制规定
      • Investors Trust外幣投資
    • 免税投资帐户 >
      • 免税投资账户问答集(Q&A)
    • 月领退休金
    • 投资型保单
    • 基金 >
      • 如何挑选基金
    • 稳赢固定利率保单
  • 员工福利
    • 公司团体医疗保险Q&A
    • 员工福利Q&A
    • 公积金Provident Fund说明
    • 中小企业员工福利完整套餐
  • ​人寿保险
    • 为什么要购买人寿保险
    • 人寿保险的妙用
    • 人寿保险常见问题回答
    • 购买人寿保险流程
    • 美元人寿保险
    • 意外险
    • 特殊寿险产品
    • 重大疾病险 >
      • 身体健康检查重要指标
      • 全球癌症病例激增
      • 细数癌症之最
    • Sanlam意外险
    • Old Mutual绿光关怀计划.
  • 医疗保险
    • 南非的医疗保险介紹
    • 医疗保险Q&A 常见问题回答 >
      • Discovery COVID 疫苗注册
      • Discovery 非洲医疗福利
    • 如何选择医疗保险
    • Discovery医疗保险 2022更新摘要 >
      • Discovery医疗保险 2022 - 如何选择医保选项
    • Discovery医疗保险 2023更新摘要 >
      • Discovery医疗保险 2023 - 如何选择医保选项
    • Discovery Vitality活力健康计划 2023 >
      • 激活你的健活奖励
    • Bonitas医疗保险2023介绍
    • Momentum 2023
    • 医疗附加险 >
      • Discovery 附加险
      • Sirago 医疗附加险 2023 >
        • 医疗附加险法规改变
    • 紧急意外险
  • 财产险
    • 雇主责任保险
    • 建筑工程一切险
    • 商业火险
    • 车险
    • 暴动险 Sasria
    • 常见问题
  • 会计师事务所
    • 南非2021财政预算及税法
    • 南非2020财政预算及税法
    • 南非2019财政预算及税法
    • 南非2018财政预算及税法
    • 南非2017财政预算及税法
    • 南非2016财政预算及税法
    • 南非2015财政预算及税法
    • 南非2008财政预算及税法
  • 关于我们
    • 我们如何与众不同
    • 我們如何帮助客户 - 保险篇
    • 我們如何帮助客户 - 投资理财篇
    • 德博理财学院 >
      • 标准销售话术
Picture

 International Travel Benefit (ITB)

Daberistic are brokers for the following medical aids:
  • Discovery health
  • Bonitas
  • Momentum Health
  • Fedhealth
  • Profmed
However, due to majority of our clients being on Discovery Health, we will focus the below International Travel Benefit procedure on Discovery Health.

Below are medical aid's client services and International SOS numbers:
Discovery: 0860 99 88 77,  International SOS +27 11 541 1222
Bonitas: 0860 00 21 08,  International SOS +27 11 991 8174
Fedhealth: 0860 002 153,   International SOS +27 86 000 2153
Momentum Health: 0860 117 859,   International SOS +27 11 541 1263
Majority of the major open scheme medical aid companies include international travel medical benefits, but each company's benefits are different. In lieu of the increased frequency of international tourism, the importance for medical aid to cover international travel becomes crucial.

Daberistic assists about ten international travel medical claims every year and here are two examples:
1. Mr. D traveled to Southeast Asia and was bitten by a wild monkey in Cambodia. He was taken to the hospital by the police for rabies vaccination, and additional four follow up shots. After returning to South Africa, client claimed for this incident, Discovery reimbursed majority of this incident's medical expenses.

2. Ms. M was hospitalized in Beijing for an unexpected disease for a month and put in claim to Discovery for this incident. Discovery authorized  the claim payout, once Discovery received the original bills.

Although many medical aid companies include international travel benefits, but according to our practical experience, we find that Discovery's cover is very well set up. Discovery has set up many offices overseas with providing our clients with good support, and when client reaches claims stage it becomes simple and efficient.

Below explanation for  international travel benefits is related to Discovery medical aid. Customers who are insured with other medical aid can also refer to it to understand the general contents of International travel benefits.
Discovery ITB options
International Travel Benefit (ITB) is available on the Executive, Conprehensive, Priority, Saver, Smart, and Core plans. The ITB is not available on the KeyCare plans.
What does ITB do and don't cover
Cover:
The benefit covers costs associated with relevant health services obtained outside of South Africa for a condition or health even that occurs as a result of an accident or emergency, within 90 days from departure from South Africa. Cover ends on your return home, or after 90 days from your date of departure from South Africa, whichever happens first.

It is important to note that ITB cover cannot be extended beyond 90 days, if you are unable to return to South Africa and your trip last more than 90 days, you will not have the same level of indemnity cover that ITB offers. You will be covered as if you were receiving care in South Africa and Discovery will reimburse your claims for the medical care you receive at the equivalent South African rates.

Comprehensive, Priority, Saver, Smart and Core plans have cover for emergency medical costs of up to R5 million per person on each journey while Executive plan covers up to US$1 million.

In the case of air travel:
  • If the medical condition necessitates emergency transport and evacuation to the nearest appropriate facility and you are fit to travel, Medical Services Organization International (MSOI) will arrange this.
  • If you are fit to travel and can return to South Africa but choose not to, the Scheme will not pay the costs of transport, evacuation or repatriation at a later stage. All medical expenses incurred after this date will be paid according to the South African global fee equivalent for your plan.
  • If you medical condition needs hospitalization and you are unable to return to South Africa, your cover may be extended for such period as is reasonably necessary to enable you to return to South Africa, up to a maximum of 90 days from the date of admission to hospital.

The cover available in terms of this benefit is subject to Rules of the scheme, and includes payment for:
  • The usual, reasonable and medically necessary medical, surgical, relevant dental and/ or other treatment as may be provided in-hospital as authorized by a medical professional as a result of an accident or any emergency
  • Emergency transport and evacuation to the nearest appropriate facility.
  • The additional cost necessary for your return to South Africa to receive further treatment, as determined by the scheme.
  • In the case of travel, the International Travel Benefit covers the cost of changing the return flight date only and/ or if required, a change to the grade of the flight booking upon review by the  Scheme, but excludes any cost of return if you are not in possession of a valid flight ticket.

Don't cover:
  • Not covered during your waiting period
  • If healthcare professional is not qualified and registered.
  • Optical work - refractive surgery not covered, the cost of spectacles and the cost of lenses (contact and/or insertion in spectacles). However these claims can be covered in accordance to your normal plan benefits, in line with the Scheme Rules.
Notify Medical Services Organisation Internation A.S.A.P after your emergency
If you need emergency hospitalisation while travelling overseas, notify MSOI as soon as possible after the emergency on +27 11 529 6900. If you need assistance in contacting MSOI, you can also contact the international operator of the country you are visiting and request to be connected to MSOI on reverse call charges. Once connected, MSOI will calidate your membership and confirm any waiting periods. Before they authorise the admission and issue a payment guarantee, they will also identify whether the current funding request relates to a medical or surgical condition that existed previously.
Out of hospital emergency treatment
You need to pay the first US$150 or EUR100 (European countries) in respect of emergency out-of Hospital treatment within 90 days of departure, per person per journey. The balance will be covered by the Scheme. Your medical savings account and other day to day benefits will not be used fior emergeny out of hospital treatment covered by the international travel benefit. The co-payment applies to each person, per joutney and not to each claim. If you are travelling in a country with a differenct currency, your claim will be coverted to US dollars or Euros, whicever is the most appopriate, to calculate what you are responsible for, and what we need to pay.
Dental treatment under certain circumstances
The benefit will only cover you for emergency dental treatment on sound teeth relating to temporary caps and/fillings for teeth that have broken, re-cementing of crowns and bridges, and root canal treatment for pain control. Your plan may cover you for other dentistry from your available day to day benefits, as long as you haven't reached any limits that may apply
How to claim for out of hospital emergency medical expenses
You can choose between these options: Pay upfront for out of hospital emergency medical expenses, and claim back from the scheme on your return, or if the total cost of your out of hospitl emergency claims is more that EUR100 or US$150 for each person, you can call medical services Organisation International while you are still overseas. They will provide you with approval if the claim is related to a medical emergecy and will contact your healthcare professionals overseas to make sure they are paid directly.
List of healthcare services covered at the equivalent local cost
The following may be covered in accordance with your health plan benefits at the global fee and subjects to benefit limits, where applicable:
  • Pregnancy or childbirth when travelling contrary to medical advice, or should medical emergencies arise after the 24th week of pregnancy. If the baby is born outside South Africa, they will not be covered by the Scheme until you register them on the Scheme.
  • Situations where you or your dependents are aware of a reason which could give rise to any claim.
  • Situations where you or your dependents are travelling contrary to medical advice, or with the intention of obtaining medical treatment, or where a terminal prognosis has been given.
  • Renal dialysis or chemotherapy as well as healthcare services relating thereto.
  • Any emergency treatment for acute or chronic condition, and complications and/any other treatment that may be required as a consequence thereof, for which treatment or medical advice was received at any time during the 30 day period immediately preceding the date of departure from South Africa.
  • Healthcare services  in respect of cancer diagnosed and/or treated within the 12-month period immediately before the date of departure from South Africa.
  • Healthcare services in respect of organ failure diagnosed and/or treated within the 12-month period immediately before the date of departure from South Africa.
  • Any Non-emergency, planned or elective treatment.
  • In circumstances where you and/or your dependent uses a relevant health service and where the health service is casually related to or caused by the same condition that resulted in the accident or emergency for which the scheme has requested you or your dependant to return to South Africa for further treatment. This applies if you or your dependant fails or refuses to return even after the medical professional who is treating you whilst you are abroad, approved your return.
  • Dentistry, except those stated as covered above.
  • Prescribed Minimum Benefits do not apply beyond the borders of South Africa.
How to submit claims you have already paid
Discovery requires the following:
  • Completed ITB claim form - ITB Form click here.
  • Proof of travel dates in the form of air ticket stubs or passport stamps
  • A detailed invoice/account in English
  • If the original invoice/account is in another language, please provide the original invoice/account and a translated version of the account
  • The invoice needs to include the following details: Patient name, surname, the diagnosis, provider details, date of service, treatment description and cost of the treatment.
  • Proof of payment for all attached claims in English
  • Confirmation of the diagnosis in a form of a doctor's report/letter in English
The above details needs to be emailed to claims@discovery.co.za (Please keep all copies for your own records.)
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