Get healthy. Get rewarded.

Get healthy. Get rewarded. Discovery Vitality 2017

Discovery Vitality Vitality is the wellness programme that encourages, facilitates and rewards you as you get healthier. Not only is a healthy lifestyle more enjoyable, it s been proven that Vitality members live longer and are less likely to develop lifestyle diseases. So join Vitality today and start the journey to a healthier you and a more rewarding lifestyle! Get the latest information about Vitality on: Website www.discovery.co.za Instagram Discovery_SA Facebook Discovery Vitality The Discovery App Twitter @Discovery_SA @TeamVitalitySA To join Vitality or to find out more, visit www.discovery.co.za or call 0860 99 88 77. You can also contact your financial adviser or your company s HR representative. To apply for a Discovery Card, visit www.discovery.co.za or call 0860 11 22 73. Vitality rates Member R219 Member + 1 R265 Member + 2 or more R296

Great reasons to join Vitality Rewards for getting active Get up to 100% off your monthly gym fees and local kulula.com flight bookings (base fare) with Vitality Active Rewards Rewards for healthy eating Get up to R1 000 cash back per family, per month, for buying HealthyFood Treat yourself for less Watch movies at discounted prices and enjoy great savings on flights, holiday accommodation and car hire Boost your rewards Pay with a Discovery Card to enjoy even better Vitality rewards. Plus get up to 50% of your Vitality points back in Discovery Miles each year Better health Engaged Vitality members exercise 25% more than non-vitality members and their food purchases are 9% healthier Longer lives It has been proven that Vitality members live longer than non-vitality members

The healthier you get, the more you re rewarded You can start your Vitality journey at any age or fitness level. We help you understand how healthy you are, provide the tools and support so you can improve your health and offer great incentives to motivate you all the way. Every time you take a step to understand or improve your health, like going for a preventive screening, buying healthy foods and getting physically active, you can earn Vitality points and increase your Vitality status. You ll enjoy a variety of rewards at each status level and the healthier you get, the higher your Vitality status. Three years on Gold Vitality status 45 000 Vitality points 30 000 Vitality points 10 000 Vitality points You start on Blue status Blue Bronze Silver Gold Diamond Single member You start 10 000 30 000 45 000 Main member + 1 on Blue 20 000 60 000 90 000 Main member + 2 Vitality status 30 000 80 000 120 000 Reach Gold for three years in a row to get to Diamond Vitality status For each additional member aged 18 years and older, add 10 000 (Bronze), 20 000 (Silver) and 30 000 (Gold) points.

Move to better health and bigger rewards Get up to 75% off your monthly gym fees and up to 100% back with Active Rewards Boost your saving on two local kulula.com bookings (base fare) up to 100% with Active Rewards Up to 100% Get active. Get Apple Watch Get up to 100% back on a pair of running shoes with Active Rewards As you increase your Vitality status and get healthier, you enjoy great rewards Boost your saving up to 50% on car hire Boost your saving up to 50% on holiday accommodation Boost your saving up to 50% on local flights (base fare) Save up to 35% on local and international flights (base fare), holiday accommodation and car hire Watch discounted movies at Ster-Kinekor and kids can watch for FREE Earn a weekly coffee, smoothie or popcorn with Active Rewards Up to 35% Up to 25% GET REWARDED GET HEALTHY Blue Bronze Silver Gold START HERE Diamond POINTS TO MILES BOOST YOUR VITALITY REWARDS GET REWARDED FOR HEALTHY LIVING Up to 50% Book tickets for concerts and events 48 hours before anyone else Get cash back at Discovery Card partners Get up to 25% cash back on healthy food, personal care products and sports gear Up to 30 000 pts Up to 12 000 pts Up to 28 500 pts Get up to 50% of your Vitality points back in Discovery Miles each year Spend Discovery Miles by shopping online, in-store, or paying for your holidays Get active in a way that suits you Fill your basket with HealthyFood Complete your health checks and screenings Earn Discovery Miles when you shop, and boost your Miles up to 10x at selected Discovery Card partners

Get healthy Preventive care and screening SHOP FOR PERSONAL CARE PRODUCTS Get up to 25% cash back on thousands of HealthyCare products at either Activate online: 10% Find out your Vitality Age: 15% Do a Vitality Health Check: 25% HealthyCare cash back is converted into store loyalty points and paid into your Clicks ClubCard or Dis-Chem HealthyCare card. Learn about your health Find out your Vitality Age to understand how healthy you are relative to your actual age 01 Blood pressure 02 Blood glucose 03 Cholesterol 04 Weight assessment 05 Non-smoker s declaration 2 500 pts Do a Vitality Health Check at an accredited Vitality Wellness Centre, a Vitality Wellness Network pharmacy, a Discovery Store or a Discovery Wellness Day. 3 results Your Vitality Health Check includes: in range 2 results in range Doing the assessment 10 000 pts 2 500 pts 20 000 pts 5 results in range 4 results in range 5 000 pts up to 15 000 pts 20 000 points One Vitality Health Check a year is paid from the Screening and Prevention Benefit of a medical scheme plan administered by Discovery Health (Pty) Ltd. Join DiabetesCare to get all the information and motivation you need to manage your condition up to 7 200 pts Do further health checks at a GP or specialist and earn Vitality points based on your age and gender: Pap smear 2 500 pts Mammogram 2 500 pts Colonoscopy 2 500 pts Glaucoma screening 2 500 pts HIV test 5 000 pts Dental Health Check 1 000 pts Flu vaccination 1 000 pts Senior activities 5 000 pts Senior Vitality members (60 years and older) get additional points for doing a vision test, having certain vaccinations and activating Vitality Active Rewards. Visit discovery.co.za for more. Stop smoking and save up to 80% at

If you make that one healthy change, you ll find the rest just happens naturally.

Get healthy Eat healthy FILL YOUR BASKET WITH HEALTHY FOOD Get up to 25% cash back on thousands of HealthyFood items at either Activate online: 10% Find out your Vitality Age: 15% Do a Vitality Health Check: 25% Helping you eat healthier Vitality Weight Loss Rewards Get rewarded with up to 50% HealthyFood cash back Maintaining a healthy weight is essential to good health. If, after a verified weigh-in, your Body Mass Index, or the combination of your Body Mass Index and waist circumference are above the recommended healthy range, Vitality will help you select a weight-loss goal. Reach your goal and enjoy cash back of up to 50% of your HealthyFood spend for 3 months. Activate the programme 250 pts, once-off Engage during a 12-week cycle up to 2 700 pts Reach your weight-loss goals up to 50% cash back The additional cash back is subject to the current HealthyFood limit and applies to the successful achievement of your first goal each year. Choose to buy HealthyFood when you shop and earn Vitality points Buy HealthyFood HealthyFood Unhealthy foods Save 30% at Weekly weigh-in +20 pts per item -20 pts per item Up to 12 000 pts per year The least amount of points you can earn is zero. 150 pts Learn more about healthier eating at a dietitian 1 000 pts

Fresh, seasonal ingredients, real nutrition and sustainable eating all come together with a dash of delicious as part of the Discovery Vitality HealthyFood Studio proudly launched in partnership with Woolworths and Prue Leith Chefs Academy. Book at www.healthyfoodstudio.co.za Culinary excellence provided by In partnership with

Get active Earn your weekly Vitality Active Rewards All Vitality members can earn Vitality Active Rewards. Vitality Active Rewards recommends and tracks personalised weekly fitness goals for you, adjusting them automatically based on your activity levels. Get weekly rewards when you achieve your goals. Invite your friends to join and earn additional rewards when you reach your goals together. Engaging in Vitality Active Rewards is simple: 700 Time left 0d 12h 37m Download and activate Get active Achieve fitness goal Get rewarded Repeat weekly Get active With Vitality Active Rewards, you re set a personalised weekly goal to motivate you to get active more regularly, and challenge you to keep moving. Earn weekly rewards Vitality Active Rewards gives you a free reward for achieving your physical activity goal for that week. You can earn fitness points in a way that suits your interests and lifestyle. Earn team rewards Earn another reward when you and two or more of your friends achieve your goals in the same week. Get active to give back Donate to a person in need during Vitality MoveToGive campaigns.

Get rewarded Boost your Vitality benefits with Vitality Active Rewards Up to 100% off gym fees 100% Up to off local flights Gym Booster Join your nearest Virgin Active or Planet Fitness health club. Save up to 75% on your monthly gym fees. Boost your saving up to 100% with Vitality Active Rewards. Flight Booster Book local flights on kulula.com. Save up to 35% on local kulula.com flights (base fare) depending on your Vitality status. Boost your saving on two local kulula.com bookings up to 100% with Vitality Active Rewards. Vitality Active Rewards with Apple Watch Reach your monthly goals to fund your Apple Watch in full over 24 months. Weekly goals met in a month 0 1 2 3 4 Percentage of amount due 100% 75% 50% 0% The monthly amount you pay is based on the retail price of your Apple Watch at the time of collection from the istore. Specific terms and conditions apply to this benefit. You need to be on Vitality Active Rewards. You must have a Discovery Card (gold or higher) with an available balance of at least R5 000, a straight limit of at least R15 000, and be in good standing. This benefit applies to one Apple Watch Sport 38mm (Series 2) per policy, per 24-month period. There is a once-off activation fee. Visit www.discovery.co.za for a full set of terms and conditions.

Join SA s most popular running and cycling club Exclusive, VIP hospitality Quality running and cycling kit Up to 50% cash back on selected races Activate SHOE BOOSTER Get up to 100% cash back on a pair of new running shoes at Sportsmans Warehouse with Vitality Active Rewards. Use your HealthyGear card to get up to 25% cash back, then hit the road to pay them off. The more active you get, and the more goals you achieve per month, the more cash back you will receive. Weekly goals met in a month 0 1 2 3 4 Monthly cash back 0% 10% 25% 75% The activation fee of R300 includes a Team Vitality running membership. Limits, terms and conditions apply.

Get active Get moving in a way that suits you EARN MORE VITALITY POINTS WHEN YOU WORK OUT Save up to 75% on your monthly gym fees. Boost your savings up to 100% with Vitality Active Rewards. Goals achieved per month 0 1 2 3 4 Gym savings 75% 80% 90% 100% Workout per day 100 pts Get up to 25% cash back on thousands of HealthyGear items like sports gear and fitness devices at either Activate online: 10% Find out your Vitality Age: 15% Do a Vitality Fitness Assessment: 25% Vitality Fitness Assessment Earn 2 500 points and up to 5 000 additional points depending on how fit you are. You can also earn additional points if you achieve the upper levels of the Vitality High Performance Fitness Assessment. More ways to get fit and earn points every day Save up to 100% on the joining fee at Curves Save 80% at Run/Walk For Life Vitality timed race events Free 5km parkrun Round of golf Log your workout at an approved fitness facility Use your Vitality-linked fitness device or app to earn points earn more points with the Vitality Endurance and High Performance category. 100 pts per day up to 300 pts per day up to 3 000 pts per event 300 pts per day 100 pts per day 100 pts per day up to 300 pts per day Earn up to 30 000 points a year for fitness activities and doing a Vitality Fitness Assessment. Vitality points will only be awarded for one fitness activity a day.

Get rewarded Vitality Travel Enjoy great travel savings based on your Vitality status Flights Fly to local, regional, and international destinations with British Airways, kulula.com, Emirates and Qantas. All Vitality members can save up to 35% on local, regional, and international flights (base fare). Pay with a Discovery Card to increase your saving on local flights (base fare) up to 50%. Boost your savings on two local kulula.com bookings (base fare) up to 100% with Vitality Active Rewards. With Vitality Active Rewards With Discovery Card Up to 100% Up to 50% Diamond 35% Vitality Hotel Collection Save up to 35% at over 500 hotels, lodges, resorts, and bed and breakfasts with the Vitality Hotel Collection. Pay with your Discovery Card for up to 50% off. Protea Hotel by Marriott Sun International Tsogo Sun and many more Vitality HOTEL Collection Gold Silver Bronze 30% 25% 20% Vitality car hire Save up to 35% at Europcar or Tempest Car Hire. Pay with a Discovery Card and get up to 50% off. Blue 15% All travel must be booked on kulula.com. For more information on flight destinations and a list of accommodation properties, please visit discovery.co.za. These lists are subject to change. There is a booking fee on all travel bookings. Discovery Card discounts are subject to your Vitality status, card spend, and applicable health claims level. Visit discovery.co.za for a full set of terms and conditions.

Get rewarded Movies Treat yourself for less at Ster-Kinekor Experience the latest movies at discounted prices when you activate your Vitality Ster-Kinekor movie benefit. Available in 2D or 3D at selected cinemas, Cine Prestige, Cinema Nouveau, or IMAX. Vitality kids, older than 2 and younger than 18, can watch movies for free at selected cinemas before 7pm, once an online Kids Vitality Health Review has been completed. PLUS enjoy a free small or medium popcorn when you achieve your weekly Vitality Active Rewards goal. Get the Vitality Ster-Kinekor digital card for free and always have your movie card on your iphone or Android smartphone. discovery/mall Visit discovery.co.za to access a range of online stores. Pay using Discovery Miles, your credit card, or both. Enjoy exclusive offers for Vitality members. Save up to 60% on newspaper and magazine subscriptions.

Healthy Vitality Families Vitality nurtures healthy families from the start, encouraging good habits in children and ensuring they become healthy adults. VITALITY BABY 0 2 yrs Activate Vitality Baby to get the best care and rewards during the first 1 000 days from pregnancy until your child turns two. Take Care Eat Right Attend an antenatal class and a CPR course 2 000 pts 2 500 pts Get up to 25% cash back on HealthyFood at Pick n Pay or Woolworths. Well Baby Clinic visits at Clicks or Dis-Chem up to 2 500 pts Visit a dietitian 1 000 pts Kids Vitality Health Review 500 pts Vaccinations 500 pts per vaccination event Get up to 25% cash back on selected nappies and other baby essentials with the HealthyCare benefit at Clicks or Dis-Chem. Get Rewarded Receive a Vitality Baby gift pack filled with useful information and exciting gifts, plus a R100 Toys R Us gift card and 10% off selected baby essentials at Toys R Us stores. Earn double Vitality points for selected fitness activities and for buying HealthyFood items during pregnancy and until your baby is six months old. Get Active Save 25% when you purchase a Preggi Bellies package. Creating magical moments right from the start with Disney Baby and Discovery Vitality Expecting and new parents can go online for information, articles, and tips on pregnancy, birth, and the early years of raising children. Visit baby.disneyafrica.com or learn more under Vitality Baby at www.discovery.co.za.

VITALITY KIDS 2 to under 18 yrs At Vitality, we understand that habits created during childhood lay the foundation for habits in adulthood. Healthy children become healthy adults. Kids Electronic Health Record Keep track of your child s health on discovery.co.za H e alth metrics Milestones Take Care Make sure your kids are developing at a healthy rate with the Kids Vitality Health Check at a Vitality Wellness Network pharmacy up to 500 pts Other kids assessments: Dental Health Check Optometry visit (3 5 yrs) Vaccinations (4 7 yrs) Kids Vitality Health Review EyeGym (6 18 yrs) 1 000 pts 1 000 pts 1 000 pts 500 pts up to 2 500 pts Get Active Earn Vitality points for other fitness activities: Gym 100 pts parkrun 300 pts Vitality timed race events up to 3 000 pts Kids 6 years and older can start earning Vitality points for fitness activities. Kids 12 years and older can earn points for gym. Kids can earn up to 20 000 fitness points a year. Eat Right Get up to 25% cash back on HealthyFood items at Pick n Pay or Woolworths that help you make nutritious meals for your kids. Get Rewarded Kids watch movies for free at selected cinemas before 7pm, on completion of a Kids Vitality Health Review. Celebrating healthy and happy families with Disney Healthy Living and Discovery Vitality Disney, with Discovery Vitality, celebrates healthy and happy families. Visit www.disneyhealthyliving.co.za for inspiring, healthier lifestyle choices with exciting games, activities, and much more for kids and families.

Get rewarded with Discovery Card Live well Spend well Discovery Card is a credit card that rewards you for healthy living. Use it to earn and spend Discovery Miles, and to boost your travel rewards. Plus, you can get up to 50% of your Vitality points back in Discovery Miles. GET REWARDED FOR HEALTHY LIVING Discovery Miles is an e-currency that makes using your Discovery Card the most rewarding way to shop. Earn Miles Every time you shop Earn 10x more Miles at selected partners 1 Discovery Miles Spend Miles 2 Points to Miles Shop online Shop in-store Spend on travel Get up to 50% of your Vitality points back in Discovery Miles every year when you link your Discovery Card to a qualifying medical scheme plan administered by Discovery Health (Pty) Ltd. Local flights Get up to 50% off local flights (base fare) Engage in Vitality to improve your health and earn Vitality points Manage your health Spend using your Discovery Card 3 Boost your Vitality travel savings up to 50% Vitality Hotel Collection Save up to 50% on holiday accommodation Vitality HOTEL Collection Up to 50% of Vitality points back in Miles Car hire Save up to 50% on car hire Limits, terms and conditions apply. To qualify for the Points to Miles benefit and travel savings, you need to be on Vitality, have a Discovery Card and be on a health plan. The benefit is based on your Vitality status, card spend and applicable health claims level.

Discovery Card holders get exclusive pre-booking access to the best entertainment Discovery Card holders can buy tickets to shows and events 48 hours before anyone else. South Africa s premium live events with Cricket, rugby, music festivals, events, concerts, stage productions and much more with This applies to selected shows. Visit discovery.co.za for qualifying criteria and full terms and conditions.

Earn Discovery Miles Spend your Discovery Miles Miles is an e-currency you earn EVERYWHERE YOU SHOP. You earn one Discovery Mile for every R15 you spend. Use your Miles to shop online, in-store or to pay for your holidays. Earn up to 10x more Discovery Miles SHOP ONLINE SHOP IN-STORE SPEND ON TRAVEL when you pay using your Discovery Card at selected HealthyLiving partners, as well as at BP service stations nationwide. Your Miles Multiplier is based on your Vitality status: discovery/ mall Blue Bronze Silver Gold Diamond 1x 2x 3x 5x 10x Multiply your Miles by up to 10x at these stores: Use your Discovery Miles to shop online through discovery/mall, our online portal with popular products and e-tailers, like Yuppiechef, Hirsch s, takealot.com and more! You can now spend your Discovery Miles in-store at selected partner stores using the Discovery app. Pay for your next holiday with Discovery Miles, or convert your Miles into SAA Voyager Miles or British Airways Avios. Earn cash back Get up to 20% cash back when you spend at our partners. How much you earn depends on your Vitality status and number of years on Vitality. Cash back is limited to a maximum of R2 000 a month, excluding travel. Travel Our current cash back and Miles Multiplier partners apply until the end of December 2016. Look out for new partners and updates in early 2017. Discovery Card is operated by Discovery Vitality (Pty) Ltd, registration number: 1999/007736/07, an authorised financial services provider under the banking licence of FirstRand Bank Limited, registration number 1929/001225/06, an authorised financial services and registered credit provider, NCA Reg No. NCRP20. Limits, terms and conditions apply.

The science of Vitality increasing life expectancy Lifestyle diseases are a global epidemic, accounting for 60% of deaths four risk factors four chronic diseases of lifestyle According to the World Health Organization, Physical inactivity Respiratory disease Poor diet lead to Diabetes Tobacco use Cancer Excessive alcohol intake Cardiovascular disease Responsible for 60% of all deaths worldwide Vitality is a science-based solution that addresses the underlying risk factors Vitality is a wellness programme that encourages and rewards members as they get healthier. The programme is based on a unique combination of clinical evidence, behavioural economics and actuarial expertise. It is grounded in research that shows that people can make a significant impact on their health by changing their lifestyle. While the Vitality model is built on complex science, it manifests around a simple yet profound concept: get rewarded for healthy behaviour. Here s how South African Vitality members are managing their health and being rewarded for doing so. Get Healthy 250 000 Vitality Health Checks completed each year 20 million HealthyFood baskets bought each year Vitality Active Rewards members are exercising 25% more 1 million discounted flights booked each year 2.5 million discounted movies watched each year 1.5 million free Vitality Active Rewards drinks claimed Get Rewarded

The correlation between Vitality status and life expectancy In certain places around the world, small pockets of people are living healthily to over 100. These areas are known as Blue Zones. The people living in Blue Zones were found to share specific lifestyle choices, like eating mainly plantbased foods; being active regularly; fostering simple, low-stress lives; and belonging to social circles that support healthy behaviour. Blue Zones also have low smoking and obesity rates. In South Africa, Discovery s Diamond Vitality members appear to be creating their own high-longevity Diamond Zone. Most of these members share similar lifestyle and behavioural traits to people living in Blue Zones. In fact, Diamond Vitality members rank fifth among Blue Zones globally in the proportion of people living to 100. These results were supported by estimating the life expectancies of the projected populations. Average life expectancy of the South African population 81 yrs 87 yrs 67 yrs 63 yrs General SA population Insured population Vitality members Gold and Diamond members Based on the Vitality Diamond Zones research paper, 2016.

South Africa s Discovery has a hit with Vitality, a behaviour-tracking programme that rewards clients healthy habits. ~ Fortune Magazine The South African company has been shaking up its industry through businessmodel innovation and catalysing new ideas. ~ McKinsey Quarterly The Vitality Insured Person study 1 indicated 10% 15% lower costs for members who actively participated in the Vitality programme. ~ Harvard Business School paper by Michael Porter Discovery has solid evidence that participation in Vitality more than pays for the rewards, and the business demonstrates the kind of innovation coming out of emerging markets. ~ The Economist

Vitality a global game-changer The effectiveness of Vitality s model has gained recognition among thought-leaders both in and outside the healthcare industry. This has resulted in partnerships with some of the leading insurers around the world. Vitality is now available in 14 markets and continues to grow rapidly. In this way, Vitality is changing lives and making people healthier.

Discovery Vitality Contact us 0860 99 88 77 vitalityinfo@discovery.co.za www.discovery.co.za Discovery Vitality (Pty) Ltd is an authorised financial services provider. Registration number: 1999/007736/07. Please note all information displayed in this brochure is only a summary of the Vitality benefits. Specific terms and conditions apply to each benefit. All information displayed in this brochure was correct at the time of printing. Certain benefits will go live during the course of 2017. Members will be alerted when each benefit goes live. Visit www.discovery.co.za to stay updated. VBE 10/16(17) GM_42277DHV_01/11/16_V2