Discovery Health 2018 Update

Size: px

Start display at page:

Download "Discovery Health 2018 Update"

Alfred Terry
5 years ago
Views:

1 Discovery Health 2018 Update

2 Make people healthier and enhance and protect their lives

3 Sustainability and affordability Extensive cover for healthcare Digital health technology

2bn Reserves Lowest premiums in the scheme market -15.

4 Discovery Health Medical Scheme Sustained outstanding performance Membership growth Stability Affordability and quality > Net new lives 55% Market share 26.3% Solvency R14.2bn Reserves Lowest premiums in the scheme market -15.1% Premium relativity In-hospital claims payout ratio 97% Next 10 largest open schemes membership decreased by 13,045 lives Next 10 largest open schemes solvency decreased by 0.5%

5 Caring for members with complex and emergency healthcare needs 10 highest individual member claims paid in 2016 = R 51.1 million R 6.8m R 5.8m R 5.5m R 5.2m R 5.2m R 5.0m R 4.5m R 4.5m R 4.3m R 4.3m Age 37, Heart and lung transplant Age 58, Surgical complication Age 78, Mitral valve disease Age 49, Intestinal complications Age 74, Ischaemic heart disease Age 65, Chronic renal failure Age 0, Respiratory failure Age 0, Neonate Age 25, Congestive cardiac failure Age 42, Cardiomyopathy 199 years worth of risk contributions to fund the claim individuals claimed over R individuals claimed over R1 million Notes: Assumes a risk contribution of R2,853 per average member per month Source: DHMS data

6 Our social mandate Curbing Medical Inflation Drivers of claims inflation ( ) 1.8% 11.3% 2.9% 6.1% 0.5% CPI Tariffs Demand side utilisation Supply side utilisation Claims inflation Source: DHMS data

7 Our social mandate Curbing Medical Inflation Drivers of claims inflation ( ) 1.8% 11.3% 2.9% 6.1% 0.5% CPI Tariffs Demand side utilisation Supply side utilisation Claims inflation Source: DHMS data

Our social mandate Curbing Medical Inflation Drivers of claims inflation (2008 2017) 1.8% 11.3% 2.9% 6.

8 Our social mandate Curbing Medical Inflation Drivers of claims inflation ( ) 1.8% 11.3% 2.9% 6.1% 0.5% CPI Tariffs Demand side utilisation Supply side utilisation Claims inflation Source: DHMS data

9 Contribution increases typically range between CPI + 3% and CPI + 5% 5.00% Annualised increases since 2007 relative to CPI 4.50% 4.47% 4.00% 3.50% 3.00% 3.50% 3.00% 2.50% 2.00% 1.50% 1.00% 0.50% 0.00% DHMS actual Next 7 largest open schemes actual Target at CPI +3%

Medical scheme contribution increases linked CPI Inflation over the 12 months to July 2017 5.9% 6.1% 6.4% 6.6% 6.8% 6.6% 6.3% 6.1% 5.

10 Medical scheme contribution increases linked CPI Inflation over the 12 months to July % 6.1% 6.4% 6.6% 6.8% 6.6% 6.3% 6.1% 5.3% 5.4% 5.1% 4.6% 8.9% average CPI+3% Aug 2016 Jul 2017 Aug-16 Sep-16 Oct-16 Nov-16 Dec-16 Jan-17 Feb-17 Mar-17 Apr-17 May-17 Jun-17 Jul-17

11 Discovery Health Medical Scheme 2018 contribution increases Plan level increases for 2018 Proportion of members 8.9% average CPI+3%* 7.30% 8.30% 8.30% 7.60% 7.30% 7.60% 8.30% 7.9% weighted average contribution increase 3% 39% 58% *Aug 2016 Jul 2017

12 Sustainability and affordability Extensive cover for healthcare Digital health technology

Benefit updates 2018 Day-to-day extender benefit Day-to-day Extender Benefit will cover:* GP consultations through

external medical items will be discontinued Smart Plan Over-the-counter medicine benefit Cover for Schedule 0 2

per year Chronic Illness Benefit Introduction of Premier Plus GP network as Designated Service Provider for HIVCare

13 Benefit updates 2018 Day-to-day extender benefit Day-to-day Extender Benefit will cover:* GP consultations through HealthID-engaged GPs Casualty visits for children at a network facility Cover for pathology, acute medicine and external medical items will be discontinued Smart Plan Over-the-counter medicine benefit Cover for Schedule 0 2 medicine from a network pharmacy: Classic Smart Plan: R600 per family per year Essential Smart Plan: R400 per family per year Chronic Illness Benefit Introduction of Premier Plus GP network as Designated Service Provider for HIVCare Applicable to members on Priority, Saver, Smart, Core and KeyCare plans Full cover at any of 2,100 GPs registered on the Premier Plus GP network

14 Limits, co-payments, deductibles, chronic and income bands update for 2018 Benefit limits Hip and knee prosthesis limits for those members who choose to use a non-preferred provider. Full cover (no limit applies) at a preferred provider Co-payments and deductibles Thresholds Surgical items Increase Reduction from R38,200 to R30,000 for non-preferred provider Plan specific increase Plan specific increase Surgical inflation KeyCare Income Band thresholds 5.6% There will be no changes to the chronic illness benefit formulary and Chronic Drug Amounts for 2018 MRI/CT scans 0% increase Oncology, EMI, Spinal devices benefit limits remain unchanged

Protecting Young Families right from the

15 Protecting Young Families right from the start MEDICAL AID AND TOOLS TO SUPPORT YOU WELLNESS LIFE INSURANCE CAR AND HOME INSURANCE Comprehensive maternity and postbirth benefits Access to immediate support, advice and tools through the My Pregnancy and My Baby programmes on the Discovery app Encouraging good habits in children so they become healthy adults Protecting your child s education Keeping you and your family safe on the road

Comprehensive maternity and post-birth benefits During Pregnancy Ultrasound scans and prenatal screening 2 ultrasound scans 1 Nuchal Translucency or Non-Invasive Prenatal Test (NIPT) DNA test

R1 880 per day for caesarian section births 2 nights in a private ward for natural deliveries Subject to hospital ward availability Antenatal consultations Exec and Comp plans: 12 consultations

16 Comprehensive maternity and post-birth benefits During Pregnancy Ultrasound scans and prenatal screening 2 ultrasound scans 1 Nuchal Translucency or Non-Invasive Prenatal Test (NIPT) DNA test Essential registered devices* Benefit limit of R5,000, with a copayment of 25% per device, at a registered healthcare provider Nebulizers are excluded Private ward* 3 nights in a private ward up to R1 880 per day for caesarian section births 2 nights in a private ward for natural deliveries Subject to hospital ward availability Antenatal consultations Exec and Comp plans: 12 consultations Priority, Saver, Core and KeyCare plans: 8 consultations Blood tests HIV Rubella Rh antigen A, B and O antigen RPR and TPHA Glucose Haemoglobin bhcg Antenatal classes or consultations with a nurse Antenatal classes Baby visits Consultations with a nurse at home or at a clinic 5 consultations to use during pregnancy, and/or up until baby s second birthday. Up to the DHR, or agreed rate for Discovery HomeCare *Comp and Exec plans only

Comprehensive maternity and post-birth benefits For two years from birth GP and

Scheme (existing KeyCare Access rule) Nutrition assessment 1 visit to a dietician

Antenatal classes or consultations with a nurse Antenatal classes Baby visits

pregnancy, and/or up until baby s second birthday.

17 Comprehensive maternity and post-birth benefits For two years from birth GP and specialist visits 2 visits at a GP/ paediatrician/ent, up until baby s second birthday All plans excl. KeyCare Access which is for the first 12 months and only for babies born into the Scheme (existing KeyCare Access rule) Nutrition assessment 1 visit to a dietician Lactation consultation 1 consultation with a registered lactation specialist Antenatal classes or consultations with a nurse Antenatal classes Baby visits Consultations with a nurse at home or at a clinic 5 consultations to use during pregnancy, and/or up until baby s second birthday. Up to the DHR, or agreed rate for Discovery HomeCare Six week consultation 1 postnatal consultation at a midwife/gp/gynae Mental Health 2 consultations at a psychologist or counsellor

18 Access to immediate support, advice and guidance My Pregnancy and My Baby Programmes on the Discovery app Discovery portfolio page My Pregnancy dashboard Pregnancy care checklist Maternity cost estimator My Baby dashboard Kids digital vaccination record App functionality will be released in a phased approach from 1 January 2018

Enhanced Executive Plan Enhanced Global Treatment Platform 300% of the Discovery Health rate for specialists 200% of the Discovery Health rate for other healthcare professionals Private ward cover in

Second Opinion Services from Cleveland Clinic, funded in full from risk Overseas Treatment Benefit R750 000 to cover the cost of medical treatment not available in South Africa R300 000 to cover the

19 Enhanced Executive Plan Enhanced Global Treatment Platform 300% of the Discovery Health rate for specialists 200% of the Discovery Health rate for other healthcare professionals Private ward cover in any private hospital Highest limits for prescribed medication, dental, allied and other benefits Additional chronic medication cover and access to an exclusive list of brand medicine International Second Opinion Services from Cleveland Clinic, funded in full from risk Overseas Treatment Benefit R to cover the cost of medical treatment not available in South Africa R to cover the cost of voluntary medical treatment outside South Africa International Travel Benefit providing cover of US$ 1 million per member for medical emergencies while traveling outside SA Restructured day-to-day benefits

20 Restructuring cover for day-to-day and in-hospital healthcare expenses Currently, day-to-day benefits cover the cost of in-hospital treatment by healthcare professionals. In 2018, these costs will be covered by the Hospital Benefit, and the Medical Savings Account will be exclusively for out-of-hospital medical expenses Benefit structure 2018 Benefit structure ATB MSA Covers day-to-day In-hospital related accounts IH treatment by specialists: 300% DHR IH treatment by other healthcare professionals: 100% R69 average self-payment gap Covers day-to-day In-hospital related accounts IH treatment by specialists: 300% DHR IH treatment by other healthcare professionals: 100% ATB SPG MSA Covers day-to-day R2,466 (principal member) Covers day-to-day IH related accounts paid from the hospital benefit IH treatment by specialists: 300% DHR IH treatment by other healthcare professionals: 200%

21 Introducing DrConnect Doctor advice. On your device Ask questions Consult doctors Get health tips Screen shot doctors worldwide >5,5 billion questions and answers Video, voice or text follow up consultations Personalised tips and checklists to for your health goals

22 Introducing DrConnect Doctor advice. On your device When members have asked a question, the library of curated content will provide answers to commonly asked questions that have been answered by doctors If the answer is not immediately available, the question will be answered by available doctors Other doctors will be able to agree with the answers given or will provide additional information The highest rated answers to questions will be shown first, so members always have access to high quality peer-reviewed medical advice anywhere, anytime doctors worldwide >5,5 billion questions and answers Members need to download the Discovery DrConnect app once and then the DrConnect functionality will be available, and accessed directly from the Discovery app.

23 Introducing DrConnect Doctor advice. On your device If the member s doctor is available for follow-up virtual consultations, these can be booked and conducted using the app Virtual follow-up consultations can only be conducted with a doctor that the member has visited in the past 12 months These consultations will be paid from the member s available day-today benefits Video, voice or text follow up consultations Members need to download the Discovery DrConnect app once and then the DrConnect functionality will be available, and accessed directly from the Discovery app.

24 Discovery Health Medical Scheme PrimaryCare Gap Cover Discovery for Corporates Discovery Gap Cover Discovery PrimaryCare Discovery PrimaryCare is not a product of the Discovery Health Medical Scheme Discovery Gap Cover is not a product of the Discovery Health Medical Scheme

HealthyCompany 2018 DISCOVERY FOR CORPORATES HealthyCompany Screening Four screening solutions, tailored to the needs of the company HealthyCompany Care Seamlessly stratifies employees according to

25 HealthyCompany 2018 DISCOVERY FOR CORPORATES HealthyCompany Screening Four screening solutions, tailored to the needs of the company HealthyCompany Care Seamlessly stratifies employees according to their risk profile in three areas of wellbeing Proactively triggers relevant interventions Multiskilled coach guides employees every step of the way, through a fully-integrated mobile app Physical wellness Emotional wellness Financial wellness HealthyCompany Insights Integrates data collected from the Screening and Care programmes and provides employee-and employerrelevant dashboards Wellness Days Episode management Ongoing management Prevention Suite of educational content for all employees: Library of doctor-generated advice Assistance with financial planning Access to legal experts

26 Discovery Health Medical Scheme PrimaryCare Gap Cover Discovery for Corporates Discovery Gap Cover Discovery PrimaryCare Discovery PrimaryCare is not a product of the Discovery Health Medical Scheme Discovery Gap Cover is not a product of the Discovery Health Medical Scheme

Discovery Gap Core In-hospital Specialist Gap Cover Provides an additional 200% of the medical scheme plan rate for in-hospital specialist bills Hospital Admission Benefit

Blue Bronze Silver Gold Diamond R5,000 R6,250 R7,500 R8,750 R10,000 R2,500 R3,125 R3,750 R4,375 R5,000 Oncology Benefit Extender Provides cover for co-payments related to

27 Discovery Gap Core In-hospital Specialist Gap Cover Provides an additional 200% of the medical scheme plan rate for in-hospital specialist bills Hospital Admission Benefit Extender Provides additional cover for specific in-hospital shortfalls related to hospital admission Annual fund value per policy Family structure VITALITY STATUS None/ Blue Bronze Silver Gold Diamond R5,000 R6,250 R7,500 R8,750 R10,000 R2,500 R3,125 R3,750 R4,375 R5,000 Oncology Benefit Extender Provides cover for co-payments related to oncology treatment plan Annual benefit per person Executive and Comprehensive plans R75,000 In-hospital Specialist Gap Cover Hospital Admission Extender Benefit Other plans R30,000

28 Discovery Gap Cover: Core versus Comprehensive In-hospital Specialist Gap Cover Discovery Gap Core Provides cover of up to 200% of the medical scheme rate Discovery Gap Comprehensive Provides cover of up to 200% of the medical scheme rate Additional cover for in-hospital shortfalls related to admission Additional cover for in- and out-of-hospital shortfalls related to admission Annual fund value per policy Annual fund value per policy Hospital Admission Benefit Extender Family structure None/ Blue VITALITY STATUS Bronze Silver Gold Diamond R5,000 R6,250 R7,500 R8,750 R10,000 R2,500 R3,125 R3,750 R4,375 R5,000 Plan MSA plans Family structure None/ Blue VITALITY STATUS Bronze Silver Gold Diamond R10,000 R12,500 R15,000 R17,500 R20,000 R5,000 R6,250 R7,500 R8,750 R10,000 Non-MSA plans R5,000 R6,250 R7,500 R8,750 R10,000 R2,500 R3,125 R3,750 R4,375 R5,000 Oncology Benefit Extender Annual benefit per person Executive and Comprehensive plans R75,000 Other plans R30,000 Annual benefit per person Executive and Comprehensive plans R100,000 Other plans R40,000

29 Discovery Gap Cover premiums Executive and Classic plans Essential and Coastal plans Age at Entry of Oldest Beneficiary Single Family Single Family Discovery Gap Comprehensive 0 54 R135 R230 R250 R R230 R340 R455 R R290 R475 R605 R1,135 Executive and Classic plans Essential and Coastal plans Age at Entry of Oldest Beneficiary Single Family Single Family Discovery Gap Core 0 54 R90 R150 R165 R R150 R180 R390 R R180 R265 R575 R920

30 Discovery Health Medical Scheme PrimaryCare Gap Cover Discovery for Corporates Discovery Gap Cover Discovery PrimaryCare Discovery PrimaryCare is not a product of the Discovery Health Medical Scheme Discovery Gap Cover is not a product of the Discovery Health Medical Scheme

PrimaryCare Trauma Benefit Overview Member Journey Provides access to emergency private healthcare services for a broad range of traumatic events: + + Cover for medical

Member will not have to pay upfront for these medical services Up to R100 000 per admission for hospital and related accounts, at a private hospital in our network Once the limit

to remain in the network facility Involved in a traumatic incident Call NetCare 911 for assistance NetCare arrives on the scene and contacts Discovery to confirm cover The

resulting from a crime, sexual assault, a fall, a car accident or an injury at work Discovery confirms that Trauma benefit is active and that trauma event is covered Paramedics

31 PrimaryCare Trauma Benefit Overview Member Journey Provides access to emergency private healthcare services for a broad range of traumatic events: + + Cover for medical evacuation services to the nearest private hospital facility in our network Access to medical treatment in a casualty facility in our network. Member will not have to pay upfront for these medical services Up to R per admission for hospital and related accounts, at a private hospital in our network Once the limit is reached and further medical treatment is required the member will be transferred to a public hospital o Member will be responsible for any costs over this limit if they choose to remain in the network facility Involved in a traumatic incident Call NetCare 911 for assistance NetCare arrives on the scene and contacts Discovery to confirm cover The following traumatic events are covered: Burns Head injuries Loss of an arm, hand, leg or foot Near drowning Poisoning or a serious reaction that may cause death Injuries resulting from a crime, sexual assault, a fall, a car accident or an injury at work Discovery confirms that Trauma benefit is active and that trauma event is covered Paramedics assess condition and decide on most clinically appropriate course of action If taken to private healthcare facility, stabilized in casualty facility, moved to in-patient hospital treatment (if required) then discharged or taken to state

PrimaryCare Wellness-Related Benefits From 2018, PrimaryCare will include wellness benefits: PrimaryCare Wellness Experience o For employees only o

additional fee Combined Wellness Experience (DHMS and PrimaryCare employees) Similar experience (aesthetics and feel) for all employees Premier event

members will complete a manual registration and consent form in the PrimaryCare booth with the consultant o Traditional screening for PrimaryCare members

32 PrimaryCare Wellness-Related Benefits From 2018, PrimaryCare will include wellness benefits: PrimaryCare Wellness Experience o For employees only o Requires a minimum of 30 members at an employer site o Available once a year o Includes BMI, blood pressure, cholesterol, glucose and HIV testing o No additional fee Combined Wellness Experience (DHMS and PrimaryCare employees) Similar experience (aesthetics and feel) for all employees Premier event setup, with additional pods for PrimaryCare o All employees book their timeslots and register for the event at the registration station o PrimaryCare members will complete a manual registration and consent form in the PrimaryCare booth with the consultant o Traditional screening for PrimaryCare members (i.e. total cholesterol and blood glucose versus full lipogram and HbA1c for at-risk members on DHMS) Vitality Move HealthyCompany Care o April 2018 go-live o Additional fee payable

33 PrimaryCare Pricing Pricing is dependent on the employer s unique circumstances, including: Demographic profile of employees Compulsory or voluntary nature of PrimaryCare membership PrimaryCare option selected Indicative Pricing Discovery PrimaryCare Essential Indicative fees Employee Spouse Child Monthly fee (incl. VAT) R158 R158 R158 Trauma Benefit R50 R50 R25 Combined R208 R208 R183 Discovery PrimaryCare Comprehensive Waiting period: No exclusions and no waiting periods for employees 6-month waiting period for dependants o Waived if dependants are added on the policy when the employee joins o General window period from 1 January 2018 to 31 March 2018, allowing all existing employees on PrimaryCare to add their dependants General principle on split risk between DHMS and PrimaryCare: If employer group on DHMS with an underwriting concession looking to introduce split risk o DHMS no longer able to offer an underwriting concession to any employee in income band where PrimaryCare offered o Underwriting concession would still apply for employees earning above income band, where membership of DHMS is compulsory o Includes employees that would become eligible to move from the PrimaryCare to DHMS by virtue of an increase in their earnings Indicative fees Employee Spouse Child Monthly fee (incl. VAT) R269 R269 R174 Trauma Benefit R50 R50 R25 Combined R319 R319 R199

34 Get healthy. Get rewarded. Discovery Vitality 2018

35 Vitality 2018 MOVE ACTIVE PURPLE

Move Active Vitality Purple Overview Brings Vitality to every DHMS member, and

olds, Vitality Active members get rewarded for getting active and driving well

members Discovery In-House Scheme members Discovery Life policyholders DHMS members

members* Discovery Life Purple policyholders* Discovery Invest Purple policyholders*

36 Move Active Vitality Purple Overview Brings Vitality to every DHMS member, and rewards them for taking steps towards a healthy lifestyle Designed for 18 to 30 year olds, Vitality Active members get rewarded for getting active and driving well Multi-faceted wellness programme that encourages and rewards members as they get healthier For the discerning few. Offers enhanced benefits in addition to those available through the Vitality programme. Eligibility DHMS members Discovery In-House Scheme members PrimaryCare members DHMS members Discovery In-House Scheme members Discovery Life policyholders DHMS members Discovery In-House Scheme members Discovery Life policyholders DHMS Executive plan members* Discovery Life Purple policyholders* Discovery Invest Purple policyholders* Discovery Card Purple cardholders* *requires an active Vitality policy Premium Free Upgrade for R35 per adult per month R40 per adult under 30 per month R60 per adult 30 or older per month M R239 M + 1 R289 M + 2 R329 M R399 M + 1 R459 M + 2 R499

37 Discovery Vitality Vitality VitalityMove VitalityActive VitalityPurple

38 The success of Active Rewards +24% >350,000 3 million Sep-15 Oct-15 Nov-15 Dec-15 Jan-16 Feb-16 Mar-16 Apr-16 May-16 Jun-16 Jul-16 Aug-16 Sep-16 Oct-16 Nov-16 Dec-16 Jan-17 Feb-17 Mar-17 Apr-17 May-17 Jun-17 Jul-17 Aug-17 Sep-17

39 Vitality Active Rewards Enhancements: Surprise Rewards Eligibility Vitality members with Vitality Active Rewards. Individuals aged 18+

Vitality Active Rewards Enhancements: Expanding Social Interaction Encourage members to

winners are randomly selected Go live: September 2017 Remove maximum limit of 4 friends Team/

to friends and overall Vitality Active Rewards base Leaderboard metrics align with performance

40 Vitality Active Rewards Enhancements: Expanding Social Interaction Encourage members to participate in activities or engage in leaderboards Members earn entries into the draw Prize winners are randomly selected Go live: September 2017 Remove maximum limit of 4 friends Team/ social rewards fall away Go live: November 2017 Members are able to track their progress relative to friends and overall Vitality Active Rewards base Leaderboard metrics align with performance metrics on dashboard Go live: Q Eligibility Vitality members with Vitality Active Rewards. Individuals aged 18+

41 Driving longer-term engagement through new booster benefits up to up to up to

R2,000 Buy a fitness device up to R4,000 Buy a road or

Rewards goals pm 0-1 2 3 4 0-1 2 3 4 HealthyGear 0% 10% 25%

42 Driving longer-term engagement through new booster benefits Up to 100% Up to 75% Up to 25% OR OR Buy new shoes up to R2,000 Buy a fitness device up to R4,000 Buy a road or mountain bike up to R20,000 25% % Vitality Active Rewards goals pm HealthyGear 0% 10% 25% 75% 0% 10% 25% 50% HealthyGear cash back cash back % 10% 15% 25%

Enhanced Vitality Baby Receive a Vitality Baby box

10% Off leading brands Get up to 25% back on

or Dis-Chem with HealthyCare Save 10% on an array of

Fabulous, Takealot & Toys R Us Complete Vitality

Disney-inspired content, and you will stand the

43 Enhanced Vitality Baby Receive a Vitality Baby box filled with useful information and exciting gifts 10% Off leading brands Get up to 25% back on selected nappies and other baby essentials at Clicks or Dis-Chem with HealthyCare Save 10% on an array of items for your baby at A-Zee Baby, Babies R Us, Born Fabulous, Takealot & Toys R Us Complete Vitality health activities as a family, engage in exclusive Disney-inspired content, and you will stand the chance to win monthly Disney hampers! Retail benefit available from Q2 2018

44 Discovery Vitality Vitality VitalityMove VitalityActive VitalityPurple

45 Vitality Move emphasises key health risks in SA -30% -48% 23% 47% 13% 27% Physical inactivity Global Obesity South Africa Not screened Screened Screened & BMI in-range Screened & high levels of physical activity

at Pick n Pay Stand a chance to win back your spend Do a

46 Activate Vitality Move for free to win HealthyFood shopping rewards at Pick n Pay Swipe your card every time you shop at Pick n Pay Stand a chance to win back your spend Do a Vitality Health Check and stand a chance to win back your spend

47 Upgrade for R35 per month and get up to R300 back on groceries, gym and movies Get off monthly gym fees Get up to in Pick n Pay shopping rewards every month Get up to off movie tickets every month AND 4x R25 vouchers AND 4x R25 vouchers

Vitality Move: How to earn rewards 4x R15 vouchers Do a Vitality Health Check and immediately get R60 per month in Pick n Pay shopping rewards and R60 per month in movie rewards 4x R20 vouchers If

48 Vitality Move: How to earn rewards 4x R15 vouchers Do a Vitality Health Check and immediately get R60 per month in Pick n Pay shopping rewards and R60 per month in movie rewards 4x R20 vouchers If weight is in range, rewards increase to R80 per month in Pick n Pay shopping rewards and R80 per month in movie rewards Weight is in range if: BMI is between 18.5 and 24.9 OR between 25 and 29.9, with a waist circumference below 94cm in males and 80cm in females 4x R25 vouchers Achieve 10 or more fitness days and get R100 per month in Pick n Pay shopping rewards and R100 per month in movie rewards 1 fitness day = 1 parkrun 1 gym visit 10,000+ steps tracked through S-Health or Apple Health Members that have done their Vitality Health Check and achieve 10 or more fitness days per month receive the maximum reward regardless of their weight

49 Discovery Vitality Vitality VitalityMove VitalityActive VitalityPurple

50 Vitality Active Get 25% off gym membership Rewards for Weekly fitness and driving goals Goal streaks Earn a Vitality status Supports the Discovery product range aimed at young adults

50% off a Discovery Executive Wellness Experience 50% discount on the member s choice of Wellness Experience, limited to 1 per adult per policy per year.

51 50% off a Discovery Executive Wellness Experience 50% discount on the member s choice of Wellness Experience, limited to 1 per adult per policy per year. Prime Prime Plus Prestige Prestige Plus Retail rate 2,018 4,700 7,200 11,002 Purple rate 1,009 2,350 3,600 5,501 Discovery s Executive Wellness Experience can be done either at Discovery s executive medical centre or in the comfort of their own home or office. Prime and Prime Plus option are available for home/office visits. Prestige and Prestige Plus option are available only at Discovery s executive medical centre.

52 Elite coaching REGION FACILITY SPORT EXPERTS ELITE ATHLETES PROCESS Gauteng Central Waterfall Sports Medicine Dr Jon Patricios Dr Carol Austin Lindsay Parry CONSULTATION Gauteng North High Performance Centre, University of Pretoria Prof Martin Schwellnus Lindsay Parry PERSONALISED TRAINING Kwa Zulu Natal Prime High Performance Institution Dr Kevin Subban Dennis Jackson MONITORING Western Cape Stellenbosch Academy of Sport Prof Wayne Derman MOTIVATION

The Purple Spa Collection Sun City (North West) The Table Bay Hotel (Western Cape) The Boardwalk Hotel (Port Elizabeth) The Maslow Hotel

(Gauteng) 12 Apostles Hotel (Western Cape) Lion Sands (More Group) (North West) Tinga Lodge (More Group) (North West) Heavenly Spa by Westin

Grace Country House and Spa (Gauteng) Melrose Arch Hotel (Gauteng) Irene Country Lodge (Gauteng) 15 on Orange Hotel (Western Cape) Audacia

(Gauteng) Sabi Sabi Earth Lodge (near Kruger National Park) Thornybush Game Lodge (near Kruger National Park) Mara Bushtops (Kenya) White

53 The Purple Spa Collection Sun City (North West) The Table Bay Hotel (Western Cape) The Boardwalk Hotel (Port Elizabeth) The Maslow Hotel (Gauteng) Mount Nelson Hotel ( Western Cape) Pepper Club Hotel (Western Cape) Mont Rochelle (Virgin Group) (Western Cape) Luxury Moore Hotel (Gauteng) 12 Apostles Hotel (Western Cape) Lion Sands (More Group) (North West) Tinga Lodge (More Group) (North West) Heavenly Spa by Westin (Western Cape) Babylonstoren (Western Cape) Thorny Bush Luxury Game Lodge Collection (North West) Umngazi River Lodge (Kwa-Zulu Natal) Mount Grace Country House and Spa (Gauteng) Melrose Arch Hotel (Gauteng) Irene Country Lodge (Gauteng) 15 on Orange Hotel (Western Cape) Audacia Manor Boutique Hotel (Kwa-Zulu Natal) Radisson Blu (Western Cape) Hyatt Regency (Gauteng) Radisson Blu (Rwanda) Ivory Tree Game Lodge (Gauteng) Sabi Sabi Earth Lodge (near Kruger National Park) Thornybush Game Lodge (near Kruger National Park) Mara Bushtops (Kenya) White Pearl Spa (Mozambique) The Turbine (Knysna) Walkersons Hotel (Mpumalanga) Willow Stream Spa, Zimbali (Kwa-Zulu Natal) Fairlawns Boutique Hotel & Spa (Gauteng)

Using the Vitality Purple Spa Collection

54 Using the Vitality Purple Spa Collection benefit 50% 40% 30% 25% 20% Contact your private consultant Specify your chosen spa Receive your activation confirmation Enjoy your treatment Pay the discounted amount, determined by your Vitality status

Vitality Purple Boosters Device (Garmin, Suunto) OR Bike (Cycle Lab) OR

benefit Select your device Consultant facilitates payment and delivery

your discount by increasing your Vitality status Up to 50% cashback

months Up to 25% cashback, paid at the end of the month of purchase

55 Vitality Purple Boosters Device (Garmin, Suunto) OR Bike (Cycle Lab) OR Golf (Pro shop) Contact your Private Consultant to activate your benefit Select your device Consultant facilitates payment and delivery Buy a new bike at Cycle Lab Buy your golf equipment at ProShop Maximise your discount by increasing your Vitality status Up to 50% cashback every month, over 24 months Up to 25% cashback every month, over 36 months Up to 25% cashback, paid at the end of the month of purchase Cashback is determined by the member s Vitality status at the time of cashback payment

56 Vitality Purple eligibility and premiums Vitality Purple is offered on a policy level to members who satisfy the following criteria: Members must have a standard Vitality policy to be able to activate Vitality Purple Members on KeyFIT, Vitality Move, Vitality Active and any other non-standard Vitality package are not eligible for Vitality Purple. Members must have an active Discovery Purple product (Purple Life, Purple Card, Purple Invest, or the Executive Plan on the Discovery Health Medical Scheme) to be eligible for Vitality Purple Premiums M M+1 M+2 Vitality Vitality Purple Vitality Purple premium includes the full standard Vitality programme

Discovery 2018 launch highlights Weighted average contribution increase: 7.9% Enhanced Vitality Active Rewards

Fourth Edition of 2014 Discovery 2018 launch highlights Weighted average contribution increase: 7.9% Enhanced Vitality Active Rewards Executive Plan enhancements & changes Smart Plan access to over-the-counter