The WELLTH Fund has had a powerful impact in encouraging people to complete their annual Health Checks and reinforced the value of preventive care in increasing the lifespan and health span of members of Discovery Health Medical Scheme. 

Since the introduction of the WELLTH Fund in January 2023, more than 500 000 beneficiaries of Discovery Health Medical Scheme (DHMS) have activated and claimed from the benefit. The once-off benefit will be available until 31 December 2024. 

To-date, over R600 million has been paid out to providers and members from the WELLTH Fund. Members have predominantly used their WELLTH Fund to access dentists, GPs, physiotherapists, optometrists, obstetricians, and gynaecologists. DHMS claims data shows that during January to December 2020, the first year of the Covid-19 pandemic, annual Health Checks carried out by members dropped by 52%, compared to the same period in 2019. 

With the introduction of the WELLTH Fund in January 2023, we are pleased to note that the health checks rate has not only returned to pre-Covid levels but exceeded expectations. In 2023, we saw more than double the number of Health Checks compared to 2021. In comparison to 2022, there was a 47% increase in health checks in 2023. 

How does the WELLTH Fund work? 

The WELLTH Fund is activated once all beneficiaries on a DHMS plan have completed their Health Checks. For adults, this is the annual Health Check (funded from the existing DHMS Screening and Prevention Benefit), and for children (two years and older), the annual online Kids Health Review.  

- The Health Check available to DHMS adult members involves tests for blood pressure, blood glucose, cholesterol, and waist-adjusted Body Mass Index (BMI). The assessment also includes a voluntary non-smoker’s declaration and HIV screening.  

- Health Checks can be completed in-person at a Discovery Store, an accredited pharmacy, a GP’s rooms in the Discovery Health Wellness Network or at an employer’s Wellness Day.  

Once the WELLTH Fund is activated, each adult beneficiary is allocated R2 500 and children between the ages of two and 18 years of age are allocated R1 250 each – up to a limit of R10 000 per family. Children under the age of two have full access to the fund once a primary member has activated the benefit, without first having to complete any health check.  

The WELLTH Fund gives members access to six broad categories of preventative health services. These include: 

• General health screenings including screenings for visual, hearing, dental and skin conditions. 
• Physical health screening at a dietician, chiropractor, biokineticist and/or physiotherapist.
• Mental health wellness check-ups.
• Women and men’s specific health screening such as gynaecological, prostate and/or heart consultations with a doctor and bone density checks.
• Children’s specific health screening in the form of a child wellness visit which includes growth and developmental milestone assessments with an occupational therapist, speech therapist and/or physiotherapist.
• Medical monitoring devices for personal monitoring of key health metrics including blood pressure, cholesterol, blood sugar management and respiratory. 

Find out more about the WELLTH Fund on https://www.discovery.co.za/medical-aid/wellth-fund.