We pray for Imaan and Good health, as these are some of the most precious and vital parts of you and your family.  We cannot emphasize the importance of ensuring you take good care of yourself, from the little things like eating only a fistful of food, to being hygienic and clean at all times. After that we can provide you with medical aid and hospital plans for those sudden or unexpected situations that arise in life.

The cost of healthcare has become high and therefore we are able to offer you a range of plans with varying benefits and costs. We work with SA’s leading health care company, Discovery to ensure you have good medical cover when you need it.

Shariah Approved

Medical Aid.
WITH NO RIBA. INTRODUCING

Discovery Health Medical Scheme, in conjunction with leading Islamic scholars, have created the Shari’ah Compliant Arrangement for Discovery Health Medical Scheme. From 2021, members of Discovery Health Medical Scheme can elect to have their contributions and claims on any Discovery Health Medical Scheme plan managed in accordance with Shari’ah principles through the Shari’ah Compliant Arrangement.

Assuring Members of the Muslim Community of Compliance with Shari’ah Principles

Compliance with Shari’ah principles

In accordance with all guiding principles, the Discovery Health Medical Scheme Shari’ah Compliant Arrangement was designed
end-to-end in line with Shari’ah principles, including:

  • In line with the principle of Shari’ah Law regarding interest, there will be no interest earned or paid on the Shari’ah Compliant Arrangement. Funds will be invested in a compliant manner thereby allowing members the opportunity to earn a profit on MSA balances.

  • Participating members gain the assurance that their contributions, and balances remaining after the settlement of claims and other relevant expenditure will be invested in Shari’ah compliant investments.

  • Model is Compliant and based on Takaful Principles
  • Process flow happens in an acceptable manner
  • No interest earned or paid at any stage
  • No ambiguity in contracts
  • Members’ Interests are protected
  • Investments are managed in Shariah Compliant manner

Independent verified compliance with Shari’ah principles

An independent Shari’ah Advisory Committee was established by Discovery Health to secure upfront and ongoing compliance of all products and services marketed as Shari’ah Compliant.

Members of this committee include three leading scholars: Mufti Ahmed Suliman, Mufti Yusuf Suliman and Sheik Mohammad Tauha Karaan who serve on Shari’ah Boards both locally and internationally and who have been instrumental in developing Islamic financial products in South Africa.

The Discovery Health Medical Scheme Shari’ah Compliant Arrangement will be subject to regular compliance reviews, and an annual compliance audit.

Simple Election Process for Members

Existing members

  • In the plan renewal process, members will have the option to select the Shari’ah Compliant Arrangement.
  • By opting into the Shari’ah Compliant Arrangement, members will agree to all the additional terms applicable to the Shari’ah Compliant Arrangement.
  • The switch to the Shari’ah Compliant Arrangement is applicable on request only. Members are only subject to the Shari’ah Compliant Arrangement if they explicitly elect to be. The default for all members is to remain outside the Shari’ah Compliant Arrangement.

New members

  • New members, whether joining in their individual capacity or as part of an employer group, can elect to be part of the Shari’ah Compliant Arrangement through the member application form.
  • Members will only subject to the Shari’ah Compliant Arrangement if they explicitly elected to be during the application process. The default for all members is to remain outside the Shari’ah Compliant Arrangement.

Existing Discovery Health Medical Scheme members will not be subject to Shari’ah Compliance principles.

Eligibility criteria: any member may select to join a Shari’ah Compliant Arrangement. All members join according to the existing DHMS membership rules, subject to the same waiting periods, exclusions and late joiner penalties.

Effective go-live dates: New and existing members will be able to select a Shari’ah Compliant Arrangement from 1 December 2020, with effective date of cover on Shari’ah Compliant Arrangement starting from 1 January 2021.

Benefits, contributions and Scheme rules:

A Shari’ah Compliant Arrangement would be offered for each of the 23 existing DHMS plans.

There is no change in contribution rate if members choose the Shari’ah Compliant Arrangement. The rates charged for each option will be according to the relevant year’s Contributions Table.

Underwriting implications: all members can join according to the existing DHMS membership rules, subject to the same waiting periods, exclusions and late joiner penalties.

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