Discovery for Corporates 2018 MAKE YOUR EMPLOYEES HEALTHIER

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1 Discovery for Corporates 2018 MAKE YOUR EMPLOYEES HEALTHIER

2 This brochure is a summary of select product features from the Discovery Group product houses as well as healthcare products administered by Discovery Health. The content is a tailored summary and does not replace the individual Discovery product guides or the complete Discovery Health Medical Scheme member benefit guide. Please visit for more information.

3 Discovery helps you make your employees healthier Discovery offers a comprehensive set of solutions that cater for the health and wellness needs of your employees. These solutions integrate uniquely to improve employee health, leading to reduced absenteeism and presenteeism.

4 Discovery for Corporates Employers that invest in the health and wellness of their employees benefit from greater productivity through lower absenteeism and presenteeism, which benefit employer and employee alike. A typical employee health solution includes components such as health screening, employee support, healthcare and wellness programmes, and some reporting on each individual component. Discovery provides a comprehensive solution in each of these areas, with the unique ability to integrate and report across all the elements to augment the impact on the health and wellness of employees. Healthcare Wellness A range of healthcare cover to suit your employees needs. Discovery Health Medical Scheme SA s leading medical aid that provides quality, affordable healthcare supported by industryleading digital technology. Discovery PrimaryCare A unique employer-funded product that provides affordable, quality primary healthcare and emergency healthcare services for your low-income employees Discovery Gap Cover An innovative, cost-effective insurance solution that provides additional financial protection against unforeseen medical costs. Vitality is Discovery s internationally recognised science-based wellness programme, which encourages and incentivises healthy behaviours. Discovery Vitality Vitality has four distinct wellness products to provide relevant incentivised wellness across your entire employee base. Vitality Move Discovery PrimaryCare HealthyCompany Insights Discovery Health Medical Scheme HealthyCompany Care Vitality Active Healthcare HealthyCompany Care HealthyCompany Screening Wellness Vitality HealthyCompany Insights Discovery Gap Cover Vitality Purple HealthyCompany Discovery HealthyCompany is our comprehensive corporate wellness solution offering health screening, employee support tools and integrated reporting. HealthyCompany Screening Advanced, clinically validated onsite wellness days, and bespoke executive wellness assessments. HealthyCompany Care Pro-active, integrated employee assistance programme. HealthyCompany Insights Dynamic reporting for employees and employer, across all elements of corporate wellness. 04

5 HealthyCompany Support your employees at any stage of their health journey Discovery HealthyCompany is our effective, integrated wellness solution that combines and augments the world class health and wellness management capabilities of Discovery Health and Discovery Vitality. The platform provides a focused approach to meet the needs of the employer, who is concerned with both the effectiveness of interventions, and the return on investment of such interventions. HealthyCompany Care HealthyCompany Screening You have access to four screening solutions, tailored to the needs of your company: Discovery Traditional Wellness Days Discovery Premier Mobile Wellness Experience Discovery Premier Wellness Experience Discovery Executive Wellness The results of these screenings are reported to each individual employee, and the aggregated screening results are reported to you as employer. These seamlessly integrate with the reporting functions provided by HealthyCompany Insights. HealthyCompany Insights HealthyCompany Insights integrates your company s data collected from the Screening and Care programmes and provides employee- and employer-relevant dashboards. These are developed to provide clear and actionable insights for each individual employee, as well as for you as the employer. In addition, your employees engagement with healthcare and wellness management programmes is integrated to dynamically update your company s risk stratification and appropriately adjust the recommendations. Episode Management HealthyCompany Insights HealthyCompany Care Physical Legal Education and Planning Wellness Days Emotional HealthyCompany Screening Financial Ongoing Management Prevention Utilising the data from the Screening programme, medical scheme and Vitality, HealthyCompany Care seamlessly stratifies your employees according to their risk profile in three areas of wellbeing, and proactively triggers relevant interventions, which may include referral into existing healthcare and wellness programmes offered to employees. Physical Emotional Financial Wellness Wellness Wellness High Risk Episode management Medium Risk Ongoing management Low Risk Prevention Your employees will have access to a multi-skilled coach to guide them every step of the way, through a fully-integrated mobile app. In addition, HealthyCompany Care offers you a suite of educational content for all employees, including a library of doctor-generated advice, assistance with financial planning and access to a consultation with a legal expert. Individual Integrated employee employer reporting reporting HealthyCompany Care will be available from April

6 Discovery Health Medical Scheme is regulated by the Council for Medical Schemes. Discovery Health Medical Scheme; registration number 1125, administered by Discovery Health (Pty) Ltd; registration number 1997/013480/07, an authorised financial services provider. Discovery PrimaryCare is administered by Prime Med Administrators (Pty) Ltd, registration number 2011/001667/07, wholly owned by Discovery Health (Pty) Ltd, an authorised financial services provider. Discovery Gap Cover and Discovery Supplementary Gap Cover are insurance products. This is not a medical scheme and the cover is not the same as that of a medical scheme. These policies are not a substitute for medical scheme membership. Discovery Gap Cover is a short-term insurance policy, underwritten by Discovery Insure Ltd, registration number 2009/011882/06, an authorised financial services provider. Discovery Supplementary Gap Cover is a long-term insurance policy, underwritten by Discovery Life Ltd, a registered long-term insurer and an authorised financial services provider, registration number 1966/003901/06. This is a separate long-term insurance product and is not conditional on the purchase of the short-term insurance Discovery Gap Cover product. Product rules, terms and conditions apply. 08

7 Healthcare We provide a wide-variety of healthcare products that suit your company and your employees healthcare needs and provides affordable access to quality private healthcare services. Discovery Health Medical Scheme Discovery Health Medical Scheme offers a choice of 23 plans, designed to provide affordable, comprehensive cover to meet the healthcare needs of all your employees. Each plan is supported by industry-leading digital healthcare technology to give your employees the ability to manage their health plan anywhere, anytime. Discovery PrimaryCare Discovery Gap Cover Discovery PrimaryCare is a unique employer-funded product that enables you to provide affordable, quality primary healthcare and emergency healthcare services for your employees who cannot afford membership of a medical scheme.the product suite offers flexible benefit configurations and pricing options to cater for the varying needs of your employees and their dependants. Discovery Gap Cover provides cover for shortfalls on approved in-hospital specialist claims, specific out-of-hospital costs related to an approved hospital admission, and co-payments on approved cancerrelated claims. Discovery Supplementary Gap Cover offers lump-sum payouts, premium protection and home support to augment cover if diagnosed with a severe illness. 09

8 Discovery Vitality (Pty) Ltd is an authorised financial services provider. Registration number: 1999/007736/07. Terms, conditions and limits apply. Vitality Move is available to members of schemes administered by Discovery Health (Pty) Ltd. 10

9 Wellness The Vitality health programme encourages and rewards your employees for living well through four distinct programmes tailored to the varying needs of your employees. Vitality Vitality offers your employees a range of benefits to reduce the cost of living healthy, and a range of rewards for living well. Save up to 100% on monthly gym fees at Virgin Active or Planet Fitness with Vitality Active Rewards Gym Booster Get up to R3 000 back per family per month for making healthy shopping choices Enjoy weekly rewards like coffees, smoothies and popcorn for achieving Vitality Active Rewards fitness goals Watch movies for half price at Ster-Kinekor, enjoy great travel savings and so much more Vitality Move Vitality Active Vitality Purple Vitality Move is available to all Discovery Health Medical Scheme members and is a Discovery Vitality programme that rewards everyone for taking steps towards a healthy lifestyle. Activate Vitality Move for FREE to win shopping rewards. Members can choose to upgrade for R35 per month and get up to R300 back on gym, shopping and movies. Designed specifically for young adults between the ages of 18 and 30, Vitality Active encourages and rewards your employees as they get healthier and drive better. Enjoy discounted gym access, weekly rewards like smoothies, coffees, popcorn or airtime for achieving fitness and driving goals. Plus achieve three goals in a row to earn a surprise reward. Upgrade to Vitality Purple for exclusive Vitality services and rewards. Get access to a Discovery Purple Private Consultant for all your Discovery product and benefit queries. Enjoy exclusive rewards like up to 50% off top-of-the-range fitness devices, up to 25% off premier bicycle brands or golf clubs, up to 50% saving at the Purple Spa Collection and so much more. 11

10 Discovery in action John is a manager in a large manufacturing firm. He is on a Discovery Health Medical Scheme Classic Saver Plan and is a Discovery Vitality member HealthyCompany Screening HealthyCompany Care Healthcare and wellness HealthyCompany Insights John attends the Discovery Premier Wellness Experience where he is screened to determine how well he is according to three dimensions: physical, emotional and financial wellness. John s wellness day results show glucose levels which are elevated beyond the desirable range, and that he is under a large amount of stress. According to the financial wellness assessment, John is not at immediate financial risk, but he could use some insight into how to ensure that his protection needs are met. Physical Medium risk: Ongoing management Enrolment on a care pathway with Discovery Health Medical Scheme and Vitality Emotional High risk: Episode management Up to 6 face-to-face sessions with a counsellor or psychologist Financial Low risk: Prevention Financial education modules enable on-demand learning Legal If John requires legal assistance at any point, he is able to access a legal expert for a consultation Through John s Discovery Health Medical Scheme Classic Saver Plan, he is enrolled in the DiabetesCare Programme which provides him access to a GP, unlocks additional funding for allied healthcare services, and gives him access to a monthly progress dashboard. Since John is also a Vitality member, he is enrolled in a personalised physical activity and weight-loss programme through Vitality Active Rewards and Weight Loss Rewards. John receives a personalised report, as well as access to a dynamic health and wellness dashboard, which ensures that he not only fully understands his risk profile, but can track his progress as he engages with the support tools. Screening Physical On-going management Emotional Discovery Health Medical Scheme and Financial Discovery Vitality Episode management Prevention Individual employee reporting Integrated employer reporting HealthyCompany Insights Aggregate corporate reporting informs health and wellness strategy While each employee journey is unique, aggregated reporting is crucial in providing insight into the risks having the greatest impact on absenteeism and productivity at an organisational level. This view not only assists employers in defining their health and wellness strategy, but should enable measurement and continuous improvement as well.

11 Provide financial security for your employees Discovery Group Risk Discovery Invest Group Retirement Plan Our Group Risk benefits, referred to as the Group Risk Life Plan, can be customised to suit the particular needs of employers and employees. Employers can choose the amount of protection they want to provide for their employees, and the selected cover can be supplemented with additional cover. Selected benefits are underpinned by Vitality and HealthyCompany, which allows clients to share in additional rewards and wellness benefits. KeyCare Funeral Cover Any employees that are on the Discovery Health Medical Scheme KeyCare plan, and contribute according to the lowest income band of that plan, receive a KeyCare Funeral Plan. This funeral plan is underwritten by Discovery Life. The KeyCare Funeral Plan is automatically included at no cost to your company or to the qualifying employees, in an effort to provide extra financial security to their families in the unfortunate event of loss of life. The financial wellbeing of your employees plays an important role in their productivity. In addition, providing attractive retirement benefits helps attract and retain employees. Discovery Invest offers you the Group Retirement Plan, a product that provides a tax-efficient and rewarding solution for employees in small and medium size enterprises. Key benefits of the Discovery Group Retirement Plan It provides a tax-efficient savings structure You have access to a wide range of investment options Low costs due to access to Discovery Invest s unique Fee PayBack feature Enhanced investment values and protection against poor investment returns. If your employees are members of a Discovery Life Group Risk Plan or an individual Discovery Life Plan with Financial Integrator, they will have access to the Group Retirement Plan Investment Allocation Booster and the Group Retirement Plan Asset Protector. 14

12 15 Group Risk and KeyCare Funeral Cover are brought to you and underwritten by Discovery Life Ltd, an authorised financial services provider, registration number 1966/003901/06. Discovery Life Investment Services (Pty) Ltd branded as Discovery Invest is an authorised financial services provider. Registration number 2007/005969/07.

13 Discovery Contact Centre Discovery Limited. Subsidiaries of Discovery Limited are authorised financial services providers. GM_47565DHM_05/09/17_V49