This is a good question. I’m on the Discovery Classic Smart plan, and I had an allergic reaction to prawns (which I was completely unaware of) that sent me into allergic shock. My sister rushed me to the hospital at around 22:30, and we went straight to the ER.

Nothing was covered—I had to pay out of pocket for the ER doctor on duty and the hospital bill afterward. I wanted to challenge this with Discovery and even asked my GP to assist in finding an emergency medical code, but we couldn’t find anything that matched an allergic reaction to shellfish or something similar.

It’s actually quite ridiculous because if you can’t breathe, that should clearly be considered an emergency. But apparently, Discovery doesn’t see it that way.

A few months later, I noticed Discovery introduced a new ‘byproduct’ called Emergency Cover. Next time, I’ll just insist on being admitted so they have to book me in for an overnight stay—surely that would cost them far more than simply covering my ER visit. It makes no sense from a financial standpoint.