Discovery Claims Contact Details

Discovery has no single claims telephone number: each Discovery business runs its own claims line. For a medical aid claim query call 0860 99 88 77, for a Discovery Insure car or home claim call 0860 751 751, and for a Discovery Life claim call 0860 103 905. Claims under an employer’s Discovery Group Life cover go to 0860 54 33 22. We read these on the Discovery contact page and its claims pages on discovery.co.za on 16 September 2026.

ContactDetails.co.za is an independent directory and is not part of Discovery. We cannot lodge, track or pay a claim on any Discovery product.

Official task/support route

What it is for	Contact	Hours
Medical aid claim queries (Discovery Health Medical Scheme)	0860 99 88 77; +27 11 529 6900 from abroad	Mon to Fri 07:00 to 20:00; Sat 08:00 to 13:00
Discovery Gap Cover claims	0860 99 88 77, gapcover@discovery.co.za	Mon to Fri 07:00 to 17:00
Supplementary Illness Benefit claims	0860 99 88 77, dsib@discovery.co.za	Mon to Fri 07:00 to 17:00
Discovery Insure car, home and portable possessions claims	0860 751 751, insureclaims@discovery.co.za	Mon to Sat 08:00 to 18:00
Vehicle or household emergency (Discovery Insure)	Discovery 911, 0860 999 911	24 hours
Discovery Life claims: submitting and progress	0860 103 905; +27 11 529 2888 from abroad; LifeClaims@discovery.co.za	Mon, Tue and Thu 08:00 to 17:00; Wed 09:00 to 17:00; Fri 08:00 to 16:00
Discovery Group Life claims (cover through an employer)	0860 54 33 22, groupriskclaims@discovery.co.za	Mon to Wed 08:30 to 17:00; Thu 09:00 to 17:00; Fri 08:30 to 16:00
Discovery Retirement Funds claims	0860 22 29 99, retirementfunds@discovery.co.za	As for Group Life
Discovery Invest claim queries	0860 67 5777, invest_support@discovery.co.za	Mon to Thu 08:00 to 17:00; Fri 08:00 to 16:00

Discovery’s contact page gives two mailboxes for Supplementary Illness Benefit claims: dsib@discovery.co.za in the benefit’s own section and sgapclaims@discovery.co.za under Gap Cover. The phone number is the same in both places, so call if you are unsure which inbox to use. A hospital authorisation is not a claim; see our Discovery authorisation contact details for that.

What you need before contacting

• Which Discovery business holds the cover, because that decides which line in the table can help.
• For a medical aid claim query: your membership number, which Discovery asks you to have ready.
• For a car accident claim with Discovery Insure: photos of the scene and the other driver’s and witnesses’ details, which the Discovery app lets you capture on the spot.
• For a Discovery Life claim: your policy number. Discovery’s public pages do not list the documents a Life claim needs, so ask the claims team.
• For any complaint later: your policy or membership number in writing, since Discovery Life and Discovery Invest require it on a complaint.

Step-by-step contact process

1. Medical aid: most providers send claims to the scheme directly. Queries go to 0860 99 88 77; the full member claims process is on our Discovery medical aid claims page.
2. Discovery Insure: start the claim in the Discovery app or on the website, through your financial adviser, or on 0860 751 751. Geyser, vehicle glass, cellphone and electronic equipment claims go through an automated claims agent that can approve them within minutes; otherwise a claims adviser contacts you.
3. Track an Insure claim online or in the app with ClaimsView, which shows the claim status, the service provider’s contact details and, for a car, photos during the repair.
4. Discovery Life: call 0860 103 905 or email LifeClaims@discovery.co.za to submit a claim or ask about its progress.
5. Group Life or a retirement fund: use 0860 54 33 22 or 0860 22 29 99 with the matching mailbox.
6. Note the date and any reference you are given, in case you need to escalate.

Discovery Insure promises to replace specified cellphones, tablets or laptops within 48 hours on an approved Fast Track claim, or it waives the basic excess. Approved minor car damage claims lodged online or in the app are repaired within 5 working days of the repair starting, or Discovery refunds that car’s next monthly premium.

Escalation route

1. Medical aid claim disputes: use the scheme’s online complaints form with the Claims category, then the Principal Officer, then a formal dispute. The Council for Medical Schemes takes complaints on 0861 123 267 or complaints@medicalschemes.co.za.
2. Discovery Insure: email insurecomplaints@discovery.co.za. If that fails, the National Financial Ombud Scheme handles insurance disputes on 0860 800 900 and info@nfosa.co.za.
3. Discovery Life: send the complaint in writing, with your policy number and documents, to life_complaints@discovery.co.za. Discovery Life aims to resolve it within 21 working days. If it stays unresolved, or there is no reply within 6 weeks, you have 6 months from Discovery’s written response to go to the NFO or, for advice complaints, the FAIS Ombud.

Sources

• discovery.co.za: Contact us page (Discovery Health Medical Scheme, Insure, Life, Invest, Corporate and Employee Benefits, Gap Cover and Supplementary Illness Benefit sections), read 16 September 2026
• discovery.co.za: Discovery Insure how to claim page and claiming FAQs, read 16 September 2026
• nfosa.co.za and medicalschemes.co.za published contact details