DISCOVERER. More Vitality in 2018

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1 S E P T LAUNCH THE DISCOVERER More Vitality in 2018 The Vitality health programme encourages and rewards people around the world for living well. The programme is based on a unique combination of clinical and behavioural economics and actuarial expertise. Grounded in research, Vitality experience proves that people can significantly reduce their risk of developing preventable diseases by changing their lifestyle behaviours. This evidence-based approach has resulted in partnerships with some of the leading insurers around the world. Today, Vitality is available in 15 markets covering 7 million members. Get healthy Get rewarded Live a longer healthier life Vitality Health Checks completed 20 million HealthyFood baskets bought 1.2 million Discounted flights booked 2.7 million Discounted movies watched 17% Lower healthcare costs for engaged members 61% Lower mortality rates for engaged members 28 million Gym visits 3 million Vitality Active Rewards earned 20 years Engaged members on Vitality are expected to live longer Product enhancements and updates for 2018 Enhanced Vitality Active Rewards and new booster benefits Vitality Purple NEW Vitality Active NEW Vitality Move NEW Get healthy. Get rewarded. Exclusive Vitality services and rewards. Get active. Drive well. Get rewarded. On your marks. Get set. Move. pg pg pg pg 10-11

2 VITALITY DISCOVERER Get healthy. Get The Vitality programme underpins all the Discovery businesses, encouraging and rewarding members as they get healthier. Not only is a healthy lifestyle more enjoyable, it has been proven that Vitality members live longer and are less likely to develop lifestyle diseases. The Vitality product range has been expanded to include Vitality Move for people taking steps towards a healthier lifestyle, Vitality Active for young adults and Vitality Purple for the most discerning clients. Vitality Move Vitality Active Vitality Move On your marks. Get set. Move. Vitality Active Get active. Drive well. Get rewarded. Vitality Move brings Vitality to every Discovery Health Medical Scheme member, and rewards them for taking steps towards a healthy lifestyle. Members can activate Vitality Move for FREE to win shopping rewards at Pick n Pay. Members can choose to upgrade for R35 per month and get up to R300 back on gym, shopping and movies each month. Designed for 18 to 30 year olds, Vitality Active members get rewarded for getting active and driving well. Members enjoy these great benefits: discount on a Virgin Active or Planet Fitness gym membership. Weekly Vitality Active Rewards for achieving fitness and driving goals. Plus achieve 3 goals in a row to earn a surprise reward. All members earn Vitality points and a status to ensure a seamless transition to Vitality. Facilitates integration with the Smart Life Plan, at an attractive price point. P G 2

3 20 17 rewarded. Get Vitality Vitality Purple Exclusive rewards and personalised service. VITALITY PURPLE Vitality Purple offers enhanced benefits in addition to those available through the Vitality programme: Vitality Purple Access to a Discovery Purple Private Consultant for all Discovery product and benefit needs. 50% off top-of-the-range fitness devices or up to off premier bike brands or golf clubs. 75% off any Virgin Active or Planet Fitness gym membership. 50% saving at the Purple Spa Collection. Discounted access to the Discovery Executive Wellness Experience. Access to elite athletes and coaching experts. Access to a calendar of the world s most iconic international sporting events and global awards ceremonies. Vitality Move to better health and bigger rewards. Get up to cash back on fitness gear with HealthyGear Get active in a variety of ways Lose weight and get rewarded with Vitality Weight Loss Rewards Join Team Vitality SA s largest running and cycling club pts pts GET ACTIVE EAT HEALTHY Get up to cash back on HealthyFood items pts Vitality and Disney nurture healthy families from the start with fantastic rewards Get healthy PREVENTIVE SCREENING Get up to back on personal and family care items with HealthyCare As you increase your Vitality status and get healthier, you enjoy great rewards Blue Bronze pts Complete your health checks and screenings Silver Gold Diamond START HERE Enjoy even better rewards by paying with your Discovery Card ENJOY MOVIES Watch movies for half price at Ster-Kinekor and kids can watch for FREE, on completion of a Kids Vitality Health Review DISCOVERY CARD Get active. Get Apple Watch 35% Save up to 35% on local and international flights (base fare), holiday accommodation and car hire 100% TRAVEL MORE Get up to 75% cash back on a new fitness device with Device Booster 75% Get rewarded 100% ACTIVE REWARDS Boost your savings up to 100% on two local kulula.com bookings (base fare) per year with Flight Booster Get up to cash back on a new bike with Bike Booster 100% 100% Earn weekly coffees, smoothies and popcorn with Vitality Active Rewards. Plus, get goal streaks to earn surprise rewards Get up to 100% cash back on a pair of running shoes with Shoe Booster Save up to 75% on your monthly gym fees and boost your savings up to 100% with Gym Booster 3 P G

4 VITALITY DISCOVERER Vitality Active Rewards 2018 Get active. Get rewarded with Vitality Active Rewards. With over Vitality Active Rewards members getting personalised activity goals weekly, Vitality Active Rewards has driven materially higher activity levels a key driver of better health outcomes. Over members increase in physical activity through short-term rewards 11% increase in physical activity through the booster benefits 9% reduction in healthcare costs Over 3 million rewards earned For 2018, Vitality has expanded Vitality Active Rewards to make it even more engaging, rewarding and exciting. 01 Surprise rewards for regular goal achievement Vitality Active Rewards members will be able to spin the wheel to earn a surprise reward when they earn 3 consecutive goals. Achieve 3 goals in a row to earn a surprise reward Spin the wheel Choose your reward from the range of options Dream holidays International flights, resorts, cruises Grand prizes Investments, local trips, electronics Retail rewards Gadgets, spoils, kitchen accessories Bonus rewards Groceries, meals, free rides, toys Core rewards Drinks, snacks, airtime, carwash discounts 02 Leaderboards for members to challenge themselves and compete with friends Vitality members will have the opportunity to track their progress and add an unlimited number of Vitality Active Rewards friends to follow and challenge. Track progress Track performance using the in-app dashboard: Current goal progress. Consecutive goals. Fitness days. Invite friends Add an unlimited number of friends to compete against weekly to stay motivated. Challenge friends Get active with other Vitality Active Rewards members. Challenge friends to make it onto the leaderboard and compare activity. Need to know Surprise rewards will become available during September Team rewards will fall away in Q Achieving 3 consecutive fitness goals will earn Vitality Active Rewards members a surprise reward. Members can earn a surprise reward once every 3 weeks. The validity period of the surprise reward depends on the level of the reward and the terms and conditions specific to that reward. P G 4

5 20 17 New Vitality booster benefits In 2018, Vitality Active Rewards members will be able to choose between a bike, device or shoe booster benefit. Bike Booster Device Booster Shoe Booster 75% 100% OR OR Weekly fitness goals met in a month Weekly fitness goals met in a month Weekly fitness goals met in a month 0 1 0% 2 10% 3 15% 4 upfront cash back 0 1 0% 2 10% % upfront cash back 0 1 0% 2 10% % Monthly cash back Monthly cash back Monthly cash back Get rewarded in a variety of ways with the Vitality Active Rewards booster benefits Select Bike Booster and get a free Team Vitality cycling membership Select Device Booster and get a free Team Vitality running membership Select Shoe Booster and get a free Team Vitality running membership Activate (R700 online activation fee) (R350 online activation fee) (R350 online activation fee) Buy Buy a new road or mountain bike at Cycle Lab Buy a new fitness device at Sportsmans Warehouse or Totalsports and get up to cash back with HealthyGear Buy new running shoes at Sportsmans Warehouse or Totalsports and get up to cash back with HealthyGear Get active Get active to achieve Vitality Active Rewards goals weekly Link the fitness device to Vitality and get active to achieve Vitality Active Rewards goals weekly Get active to achieve Vitality Active Rewards goals weekly Get rewarded Get up to cash back on the first R of the retail price of the bike over 36 months Get up to 50% cash back on the first R4 000 of the retail price of the fitness device over 24 months Get up to 75% cash back on the first R2 000 of the retail price of the running shoes over 12 months Technical details One benefit booster (shoe, device or bike) per adult can be active at a time. A catalogue of bikes, devices and shoes is applicable for the booster benefits. The qualifying spend for the Device Booster or Shoe Booster will not count towards the monthly maximum HealthyGear spend. Cash back depends on the number of goals met in the previous month and will start accumulating in the calendar month after the purchase of the qualifying item. 5 P G

6 VITALITY DISCOVERER Exclusive rewards and personalised service Get healthy Get 50% off a Discovery Executive Wellness Experience Vitality Purple members have access to Discovery s Executive Wellness Experience, either at Discovery s executive medical centre or in the comfort of their own home or office. Get 75% off any Virgin Active or Planet Fitness gym membership Purple members benefit from enhanced discounts across the Virgin Active and Planet Fitness network. The 75% benefit applies to the principal and spouse on the policy, all other Vitality gym benefit rules apply. Build a bespoke home gym Select from a range of Technogym and Wattbike equipment to rent at a discounted rate over 24 or 36 months, exclusive to Vitality Purple members. Active Discovery Card holders enjoy further discounts on their rental rates. Get exclusive access to a panel of elite coaches and experts Vitality Purple members have access to tailored training programmes and support provided by South Africa s leading sports scientists and professional coaches. Members can contact their Discovery Purple Private Consultant to assist with product and benefit queries across their portfolio of Discovery products. Vitality Purple rates Member R 399 Member + 1 R 459 Member + 2 or more R 499 P G 6

7 20 17 Designed for the most discerning of clients, Vitality Purple is an exclusive programme that builds on Vitality s behavourial economics, actuarial and partnership capabilities offering world-class rewards, luxury experiences and unsurpassed service levels. Get rewarded Get up to 50% off the Purple Spa Collection 20% 30% 40% 50% 50% off four spa treatments, per policy with a 20% discount for subsequent treatments. The upfront discount applies to the first R3 000 per treatment for active cardholders, or R1 500 per treatment for other members. Discount based on Vitality status Get up to 50% off high-end fitness devices The cash back applies to the first R of the retail price of the device, or R for active Discovery Card holders, paid over 24 months one device per adult on the policy. 20% 30% 40% 50% OR Cash back based on Vitality status Get up to off a premier road or mountain bike brand The cash back applies to the first R of the retail price of the bike, or R for active Discovery Card holders, paid over 36 months one bike per policy. 10% 12.5% 15% 20% OR Cash back based on Vitality status Get up to off the best golf clubs The cash back applies to purchases to the value of R8 000 per year, or R for active Discovery Card holders. 10% 12.5% 15% 20% Cash back based on Vitality status Get front row seats at iconic local and international sporting and entertainment events Technical details Vitality Purple provides the above benefits, in addition to those available through the Vitality programme. Vitality members with a qualifying Discovery Purple product, or on the Discovery Health Medical Scheme s Executive Plan, are eligible to upgrade to Vitality Purple, available from January Benefits can be activated through the Discovery Purple Private Consultant. Active Discovery Card holders are defined as members that have spent R or more on their Discovery Card over the past 12 months, or an equivalent monthly average over a minimum of 3 months. 7 P G

8 VITALITY DISCOVERER Introducing Vitality Active Vitality Active has been designed for young adults with a focus on making them healthier and getting them to drive better. Vitality Active addresses the leading contributors to morbidity and mortality risk Weekly Active Rewards provide immediate gratification and incentives for engagement Vitality Active product integration provides an affordable entry point to insurance for young adults South Africa has one of the highest road accident fatality rates in the world these risks are even greater among young adults. Vitality Active Rewards have proven effective in getting young adults to be more active. Insurance and medical cover is a notably low priority in the lives of young adults. Vitality Active supports the Discovery Smart Life Plan, offered by Discovery Life Ltd, designed specifically for this segment. Impact of car accidents and road fatalities on young adults Adults under 30 years 5 x higher 80% of young adults are digitally engaged Smart Life Plan Adults over 30 years 400 Time left 0d 12h 37m +61% 63% more likely to join Vitality Active Rewards than members older than 30 Health claims relating Proportion of deaths 30% more likely to redeem a reward to car accidents relating to car accidents than members older than 30 Vitality Active: product features Get rewarded for getting active and driving well Achieve a fitness goal Reach a personalised, weekly fitness goal to close the fitness ring, by getting active in various ways. Weekly rewards Achieve both goals and choose between a coffee, smoothie, popcorn, airtime or a carwash discount. Hit one goal and qualify for a 50% discount on the chosen reward. Gym workouts Using a fitness device 5km parkruns Timed race events 100 pts up to 300 pts 300 pts up to pts Achieve a drive goal Reach a weekly driving goal to close the drive ring, by driving 100 consecutive kilometres event-free each week. Events include: Cellphone use while driving Surprise rewards Achieve fitness or drive goals 3 times in a row for a surprise reward. Surprise rewards range from coffees and smoothies, shopping rewards and spoils to weekends away and dream holidays. Harsh acceleration Harsh braking Harsh cornering Speeding Get off gym membership Get up to 100% of Discovery Smart Life Plan premiums back Vitality Active member rate: R40 per month P G 8

9 20 17 Get active. Drive well. Get rewarded. A seamless and engaging member journey Gugu is a 23 year old graduate who recently started working. She buys a Discovery Smart Life Plan and activates Vitality Active to take advantage of the benefits and rewards offered for getting active and driving well. She is set a 1 Gugu joins Vitality Active Gugu activates Vitality Active through the Discovery app, and receives a 21% discount on her Smart Life Plan premiums personalised fitness goal of 100 Vitality points and a drive goal of 100km of consecutive eventfree driving 21% discount on Smart Life Plan premiums 2 Week 1: She starts to get active Gugu joins the gym for a discount. She tracks her workouts on her Vitality linked fitness device She reaches her fitness goal, but misses her drive goal and receives 50% off a KAUAI smoothie 50% off a smoothie 3 Week 2: Gugu continues to get active and drive well Gugu continues to exercise and makes sure to drive 100km event-free She reaches both her fitness and her drive goals and receives a free coffee Free coffee 4 Gugu qualifies for a surprise reward She gets to spin the wheel to win a surprise reward R500 to spend at Week 3: She achieves 3 fitness goals in a row By achieving Diamond Vitality status and Gold drive status, Gugu receives 100% of her Discovery Smart Life Plan premiums back 6 years after she converts to a Classic Life Plan. Technical details Vitality Active is available to all Discovery Health Medical Scheme and Discovery Life members. At any stage, members can choose to buy up to Vitality, and will retain the Vitality status they have earned while on Vitality Active. Vitality Active is purchased at policy level. The premium is R40 per month for each adult under the age of 30 and R60 per month for each adult aged 30 years or older, where Vitality Active tracks physical activity only. The validity period of the reward depends on the level of the reward and the terms and conditions specific to that reward. The gym discount is on a Virgin Active Club membership or Planet Fitness Local membership. StopWash, data and MoveToGive are only available if both fitness and driving goals are achieved. 9 P G

10 VITALITY DISCOVERER On your marks. Get set. Move. A case for health and wellness in South Africa Physical inactivity and obesity are leading health risks Incentives are effective in driving healthy behaviour Higher engagement is directly correlated with better health outcomes Proportion of population by lifestyle risk factor Impact of Vitality incentives Relative healthcare costs by level of engagement 47% Global SA 3x increase in screening rates 43% lower 23% 13% 27% 24% increase in physical activity Physical inactivity Obesity 9.3% increase in HealthyFood expenditure No health check Health check Health check & BMI in range Health check & high levels of physical activity Bringing Vitality to every Discovery Health Medical Scheme member Vitality Move has been designed to act as a catalyst for positive behavioural change by rewarding members for learning more about their health status, eating healthy food and getting active. Activate Vitality Move for FREE to win HealthyFood shopping rewards at Pick n Pay and more Activate Vitality Move for FREE to win HealthyFood shopping rewards at Pick n Pay and more Swipe your Vitality Move card every time you shop at Stand a chance to win back your HealthyFood shopping spend every time you swipe Do a Vitality Health Check to stand a chance to win back your full shopping spend every time you swipe your card Upgrade for R35 and get up to R300 back on monthly shopping, gym and movies Get R100 off monthly gym fees Get up to R100 in Pick n Pay shopping rewards every month Get up to R100 off movie tickets every month AND AND Technical details A premium of R35 is charged per adult over 18 if the member upgrades. Each adult on the policy has access to Vitality Move benefits and the upgrade. When upgrading from the free Vitality Move product, members will need to select one Vitality product. Upgrades will apply at a policy level. Gym benefit applies to Virgin Active Club and Planet Fitness local membership. Virgin Active Red members will be eligible for a R50 discount off the monthly club membership. P G 10

11 20 17 Maximise Vitality Move rewards ACTIVATE FOR FREE UPGRADE FOR R35 Start Vitality Move Swipe a Vitality Move card when shopping at Pick n Pay to stand a chance to WIN back the value of HealthyFood purchases Know your health Do a Vitality Health Check and stand a chance to WIN back the value of the whole shopping trolley Upgrade and save Get R100 off monthly gym membership fees Enjoy shopping rewards at Pick n Pay If the member s weight is in range, they will get R20 in Pick n Pay shopping rewards for every transaction of R250 or more, up to R80 per month. If the member s weight is out of range, the reward is R15 per transaction Enjoy movie rewards If the member s weight is in range, they will get R20 off a movie ticket, up to four movie tickets per month. If the member s weight is out of range, the movie ticket discount will be R15 Get active for maximum rewards Shopping rewards and movie ticket discounts increase to R25 for active members with 10 or more fitness days up to four shopping rewards and four movie ticket discounts per month Need to know What is a Vitality Health Check? The Vitality Health Check is a simple and convenient set of the most essential health screening and preventive tests. This includes: 01 Blood pressure 02 Blood glucose What is BMI and how is it measured? BMI (Body Mass Index) is a measure of weight in relation to height and includes a measurement of waist circumference. Members whose BMI is out of range have elevated health risks. What is a fitness day? You can get active in various ways to earn fitness days. 1 fitness day is: 03 Cholesterol 04 Weight assessment/bmi The member s weight is in range if their BMI is: or or 05 Non-smoker s declaration You can do a Vitality Health Check at any pharmacy in the Vitality Wellness Network. One Vitality Health Check a year is paid from the Screening and Prevention Benefit of most medical scheme plans administered by Discovery Health (Pty) Ltd Between 18.5 and 24.9 or Between 25 and 29.9 with a waist circumference of below 94cm in males or below 80cm in females 1 parkrun 1 gym visit steps Steps can be recorded daily by linking the Samsung Health app or Apple Health app to Vitality. 11 P G

12 VITALITY DISCOVERER The value of Vitality in 2018 As Vitality members get healthier, they enjoy even greater rewards. Here are 2 typical profiles of Vitality members. Meet Lebo Lebo is a 36 year old new mom who recently joined the Vitality programme. She enjoys getting active with a weekly parkrun, and loves shopping for baby accessories for her daughter. She is on Bronze Vitality status. Meet Sam Sam is a 40 year old accountant who has been on Vitality for a few years and is working hard to get healthy by getting active and losing weight. He is on Gold Vitality status. Bronze Vitality status Get healthy. Get rewarded. Gold Vitality status Lebo activates Vitality Active Rewards with Apple Watch and achieves 2 goals each month She chooses a smoothie for every goal she hits with Vitality Active Rewards An aspiring runner, Lebo enters 3 race events and gets 50% cash back as a Team Vitality member R875 R960 R150 Sam joins Virgin Active and saves 75% on his monthly gym fees R4 500 He activates Vitality Active Rewards Gym Booster, achieves 3 goals each month and boosts his saving to 85% R600 He chooses a coffee for every goal he hits with Vitality Active Rewards R1 080 Lebo activates the HealthyFood benefit and gets cash back on her HealthyFood items from Pick n Pay R2 160 She also activates the HealthyCare benefit and gets back on her nappies at Clicks R1 500 She saves 10% on a Stokke Stroller from Born Fabulous R1 450 She takes her baby for vaccinations, engages in Disney inspired content and wins a Disney hamper for her little one R1 000 Lebo flies to Cape Town on holiday and gets a 20% discount on her flight and hotel stay R2 300 He qualifies for a surprise reward for his goal streak. He spins the wheel and lands on a retail reward and chooses Incredible Connection R500 He also activates Vitality Active Rewards Device Booster and gets 50% cash back on a new fitness device R1 313 Sam activates the HealthyGear benefit and gets cash back on new sports apparel R490 He buys HealthyFood items and gets cash back. Plus, because he activated Vitality Weight Loss Rewards and successfully completed his cycle, he also gets 50% HealthyFood cash back for 3 months R3 150 He gets 2 free local flights through Vitality Active Rewards Flight Booster to travel from Durban to Johannesburg R2 200 Sam saves 30% on a trip to London R3 435 He treats himself to half-price movies once a month at Ster-Kinekor R360 Total: R Total saving per year Total: R If Lebo or Sam are the lucky winners of a dream holiday as part of surprise rewards, they will get to choose between international flight packages, extravagant resorts and luxury cruises worth R Vitality member rate: Member R 239 Member + 1 R 289 Member + 2 or more R 329 These are illustrative examples that have been designed using average savings across all Vitality benefits. Actual savings earned may differ based on fitness activities, the food the member chooses to buy and doing certain assessments. Terms, conditions and limits apply. Certain benefits may incur costs. The booster benefits can only be enjoyed by partaking in the Vitality Active Rewards programme, and certain limits may apply. Flight discount is off the base ticket fare only. P G 12 Discovery Vitality (Pty) Ltd is an authorised financial services provider. Registration number: 1999/007736/07. Specific limits, terms and conditions apply to each benefit. GM_47636DHV_09/09/2017_V27