International Travel Benefit (ITB)
Daberistic are brokers for the following medical aids:
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
- Discovery health
- Bonitas
- Momentum Health
- Fedhealth
- Profmed
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.
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:
The cover available in terms of this benefit is subject to Rules of the scheme, and includes payment for:
Don't cover:
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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:
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How to submit claims you have already paid |
Discovery requires the following:
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