Insurance & Medical Aid · Contact details
Discovery Gap Cover Contact Details
The Discovery Gap Cover contact number is 0860 99 88 77, and the email address is gapcover@discovery.co.za. Discovery Gap Cover is a non-life insurance policy underwritten by Discovery Insure Ltd and sold to Discovery Health Medical Scheme members; it is not a medical scheme.
This page covers gap cover only. For Discovery’s other products, see the main Discovery contact details page.
Discovery Gap Cover contact details at a glance
| Route | Details |
|---|---|
| Gap Cover general queries (policy, personal detail changes, benefit info) | 0860 99 88 77 |
| Gap Cover general queries and claims email | gapcover@discovery.co.za |
| Supplementary Illness Benefit claims email | sgapclaims@discovery.co.za |
| Gap Cover complaints | 0860 99 88 77 or gapcover@discovery.co.za |
| Get a gap cover quote (online) | discovery.co.za/more-health-cover/gap-cover-quote |
| Apply for Gap Cover (online) | discovery.co.za/more-health-cover/apply-for-gap-cover |
| Hours (general queries, claims and servicing) | Monday to Friday 07:00 to 17:00; closed weekends and public holidays |
| Hours (Gap New Business) | Monday to Friday 08:00 to 17:00 |
How to reach Discovery about a gap cover policy or claim
Discovery uses one line and one mailbox for gap cover: 0860 99 88 77 and gapcover@discovery.co.za. They handle questions about your policy, changes to personal details, benefit information, claims and complaints. The line is open Monday to Friday from 07:00 to 17:00 and is closed on weekends and public holidays. Gap New Business works Monday to Friday from 08:00 to 17:00.
Claims on the Discovery Supplementary Illness Benefit have their own mailbox, sgapclaims@discovery.co.za. To buy cover, use the online quote or application forms listed above.
Discovery gap cover options and what they pay
Discovery offers three gap cover options, with an overall annual limit of R219,846 per person:
- Active: from R53, covering up to 100% of the scheme rate.
- Core: from R171, covering up to 250%, and up to R85,000 a year for approved cancer-related claims after the scheme’s oncology threshold.
- Comprehensive: from R270, covering up to 500%, and up to R100,000 a year for approved cancer-related claims. It adds scopes and scans co-payments, a travel benefit for emergency claims outside South Africa, and third-trimester maternity shortfalls.
- Discovery, Contact us: discovery.co.za/corporate/contact-us, read 2026-09-26
- Discovery, Gap cover products: discovery.co.za/more-health-cover/gap-cover-products, read 2026-09-26
Who qualifies for Discovery gap cover
Gap cover is available to members of Discovery Health Medical Scheme, except members on KeyCare plans. New members who joined the scheme within the last six months and had no active gap cover in the last 90 days can get three months at no cost; standard waiting periods apply.
The underwriter is Discovery Insure Ltd, registration number 2009/011882/06, a licensed insurer and authorised financial services provider.
How to complain about Discovery gap cover
Discovery’s gap cover complaints go to the same place as other queries: call 0860 99 88 77 or email gapcover@discovery.co.za, and say clearly that you are lodging a complaint. Compare other gap cover providers in the insurance directory C to D listings or the insurance and medical aid hub.
Frequently asked questions
What is the Discovery gap cover contact number?
0860 99 88 77, Monday to Friday from 07:00 to 17:00, closed on weekends and public holidays. The same line handles policy queries, claims and complaints.
Is Discovery gap cover medical aid?
No. It is a non-life insurance policy underwritten by Discovery Insure Ltd, sold to Discovery Health Medical Scheme members (except members on KeyCare plans). It covers up to 100% of the scheme rate on the Active option, up to 250% on Core, and up to 500% on Comprehensive.
What does Discovery gap cover cost?
On the published options: Active from R53 a month, Core from R171, Comprehensive from R270, with an overall annual limit of R219,846 per person. Core and Comprehensive add oncology shortfall cover of up to R85,000 and R100,000 a year respectively.
Where do I send a Discovery gap cover claim?
Email gapcover@discovery.co.za. Supplementary Illness Benefit claims go to sgapclaims@discovery.co.za.
How do I complain about Discovery gap cover?
Call 0860 99 88 77 or email gapcover@discovery.co.za, and say clearly that you are lodging a complaint.