Discovery Health 2018 Update - Chalford Wealth Management
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Discovery Health 2018 Update
Make people healthier and enhance and protect their lives
Sustainability and affordability Extensive cover for healthcare Digital health technology
Discovery Health Medical Scheme | Sustained outstanding
performance
Membership growth Stability Affordability and quality
>43 000 55% 26.3% R14.2bn Lowest premiums in the
scheme market
Net new lives Market share Solvency Reserves
-15.1%Premium relativity
In-hospital claims payout ratio
97%
2012 2013 2014 2015 2016 2012 2013 2014 2015 2016
Next 10 largest open schemes’ Next 10 largest open schemes’
membership decreased by solvency decreased by
13,045 lives 0.5%
Caring for members with complex and emergency healthcare needs
10 highest individual member claims paid in 2016 = R 51.1 million
R 6.8m Age 37, Heart and lung transplant
199 years
R 5.8m Age 58, Surgical complication
worth of risk contributions to fund the
R 5.5m Age 78, Mitral valve disease claim
R 5.2m Age 49, Intestinal complications
R 5.2m Age 74, Ischaemic heart disease 6 036
R 5.0m Age 65, Chronic renal failure
individuals claimed over R500 000
R 4.5m Age 0, Respiratory failure
R 4.5m
1 378
Age 0, Neonate
R 4.3m Age 25, Congestive cardiac failure
R 4.3m Age 42, Cardiomyopathy individuals claimed over R1 million
Notes: Assumes a risk contribution of R2,853 per average member per month
Source: DHMS data
Our social mandate | Curbing Medical Inflation
Drivers of claims inflation (2008 – 2017)
11.3%
1.8%
2.9%
6.1% 0.5%
CPI Tariffs Demand side Supply side Claims inflation
utilisation utilisation
Source: DHMS data
Our social mandate | Curbing Medical Inflation
Drivers of claims inflation (2008 – 2017)
11.3%
1.8%
2.9%
6.1% 0.5%
CPI Tariffs Demand side Supply side Claims inflation
utilisation utilisation
Source: DHMS data
Our social mandate | Curbing Medical Inflation
Drivers of claims inflation (2008 – 2017)
11.3%
1.8%
2.9%
6.1% 0.5%
CPI Tariffs Demand side Supply side Claims inflation
utilisation utilisation
Source: DHMS data
Contribution increases typically range between CPI + 3% and CPI +
5%
Annualised increases since 2007 relative to CPI
5.00%
4.50% 4.47%
4.00%
3.50% 3.50%
3.00% 3.00%
2.50%
2.00%
1.50%
1.00%
0.50%
0.00%
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
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
8.9%
average CPI+3%
Aug 2016 – Jul 2017
6.8%
6.4% 6.6% 6.6% 6.3%
6.1% 6.1%
5.9%
5.3% 5.4% 5.1%
4.6%
Aug-16 Sep-16 Oct-16 Nov-16 Dec-16 Jan-17 Feb-17 Mar-17 Apr-17 May-17 Jun-17 Jul-17Discovery Health Medical Scheme 2018 contribution increases
Plan level increases for 2018 Proportion of members
8.9% average CPI+3%*
3%
8.30% 8.30% 8.30% 7.9%
7.60% 7.60% weighted average
7.30% 7.30%
contribution 39%
increase
58%
*Aug 2016 – Jul 2017Sustainability and affordability Extensive cover for healthcare Digital health technology
Benefit updates 2018
Day-to-day extender benefit Smart Plan Over-the-counter Chronic Illness Benefit
medicine benefit
Day-to-day Extender Benefit will cover:* Cover for Schedule 0 – 2 medicine from Introduction of Premier Plus GP network
GP consultations through a network pharmacy: as Designated Service Provider for
HealthID-engaged GPs Classic Smart Plan: R600 per family per HIVCare
Casualty visits for children at a year Applicable to members on Priority,
network facility Essential Smart Plan: R400 per family Saver, Smart, Core and KeyCare plans
per year Full cover at any of 2,100 GPs
Cover for pathology, acute medicine registered on the Premier Plus GP
and external medical items will be network
discontinuedLimits, co-payments, deductibles, chronic and income bands
update for 2018
Benefit limits Increase
Reduction from R38,200 to
Hip and knee prosthesis limits for those members who choose to use a non-preferred
R30,000 for non-preferred
provider. Full cover (no limit applies) at a preferred provider
provider
Co-payments and deductibles Plan specific increase
Thresholds Plan specific increase
Surgical items 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 unchangedProtecting Young Families right from the start
MEDICAL AID AND TOOLS TO SUPPORT YOU WELLNESS LIFE INSURANCE CAR AND HOME INSURANCE
Comprehensive Access to immediate Encouraging good Protecting your child’s Keeping you and your
maternity and post- support, advice and habits in children so education family safe on the
birth benefits tools through the My they become healthy road
Pregnancy and My adults
Baby programmes on
the Discovery appComprehensive maternity and post-birth benefits
During Pregnancy
Private ward*
Ultrasound scans and prenatal screening Essential registered devices* • 3 nights in a private ward up to R1 880 per
• 2 ultrasound scans • Benefit limit of R5,000, with a co- day for caesarian section births
• 1 Nuchal Translucency or Non-Invasive Prenatal payment of 25% per device, at a • 2 nights in a private ward for natural
Test (NIPT) DNA test registered healthcare provider deliveries
• Nebulizers are excluded • Subject to hospital ward availability
Antenatal consultations Blood tests Antenatal classes or consultations with a nurse
• Exec and Comp plans: 12 • HIV • RPR and TPHA • Antenatal classes
consultations • Rubella • Glucose • Baby visits
• Priority, Saver, Core and KeyCare • Rh antigen • Haemoglobin • Consultations with a nurse at home or at a clinic
plans: 8 consultations • A, B and O antigen • bHCG • 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 onlyComprehensive maternity and post-birth benefits
For two years from birth
GP and specialist visits Nutrition assessment Lactation consultation
• 2 visits at a GP/ paediatrician/ENT, up until baby’s • 1 visit to a dietician • 1 consultation with a
second birthday registered lactation
• All plans excl. KeyCare Access which is for the first 12 specialist
months and only for babies born into the Scheme
(existing KeyCare Access rule)
Antenatal classes or consultations with a nurse Six week consultation Mental Health
• Antenatal classes • 1 postnatal consultation at a midwife/GP/gynae • 2 consultations at a psychologist
• Baby visits or counsellor
• 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 HomeCareAccess to immediate support, advice and guidance
My Pregnancy and My Baby Programmes on the Discovery app
Discovery portfolio My Pregnancy Pregnancy Maternity My Baby Kids digital
page dashboard care checklist cost estimator dashboard vaccination record
App functionality will be released in a phased approach from 1 January 2018Enhanced Executive Plan
Enhanced Global Treatment Platform
• 300% of the Discovery Health rate • International Second Opinion
for specialists Services from Cleveland Clinic,
funded in full from risk
• 200% of the Discovery Health rate
for other healthcare professionals • Overseas Treatment Benefit
• Private ward cover in any private − R750 000 to cover the cost of medical
hospital treatment not available in South Africa
• Highest limits for prescribed − R300 000 to cover the cost of voluntary
medical treatment outside South Africa
medication, dental, allied and
other benefits • International Travel Benefit providing
cover of US$ 1 million per member
• Additional chronic medication cover
for medical emergencies while
and access to an exclusive list of
traveling outside SA
brand medicine
Restructured day-to-day benefitsRestructuring 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.
2017 Benefit structure 2018 Benefit structure
• Covers day-to-day • Covers day-to-day
• In-hospital related accounts
− IH treatment by specialists: 300% DHR
− IH treatment by other healthcare ATB
professionals: 100%
ATB
IH related accounts paid
from the hospital benefit
• IH treatment by
R2,466 specialists: 300%
R69 average self-payment gap SPG (principal member) DHR
• IH treatment by
• Covers day-to-day • Covers day-to-day other healthcare
• In-hospital related accounts professionals: 200%
− IH treatment by specialists: 300% DHR
MSA − IH treatment by other healthcare MSA
MSA
professionals: 100%Introducing DrConnect | Doctor advice. On your device
Ask questions Consult doctors Get health tips
Screen shot
105 000 doctors Video, voice or text Personalised tips
worldwide follow up consultations and checklists to for
>5,5 billion questions and your health goals
answersIntroducing 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.
Members need to download the Discovery DrConnect app
105 000 doctors once and then the DrConnect functionality will be available,
worldwide
and accessed directly from the Discovery app.
>5,5 billion questions and
answersIntroducing 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-to-
day benefits
Members need to download the Discovery DrConnect app
Video, voice or text once and then the DrConnect functionality will be available,
follow up consultations
and accessed directly from the Discovery app.Discovery Health Medical Scheme
PrimaryCare Gap Cover
Discovery Discovery Discovery
for Corporates Gap Cover 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 SchemeHealthyCompany 2018
D I S C O V E R Y F O R C O R P O R AT E S
HealthyCompany Care
• Seamlessly stratifies employees according to
their risk profile in three areas of wellbeing
HealthyCompany Screening • Proactively triggers relevant interventions
Four screening solutions, tailored to the • Multiskilled coach guides employees every step
needs of the company of the way, through a fully-integrated mobile
app
Physical Emotional Financial
wellness wellness wellness
Episode management
Ongoing management
Prevention
Wellness
Days
HealthyCompany Insights
Integrates data collected from the
Suite of educational content for all employees:
Screening and Care programmes and
• Library of doctor-generated advice
provides employee-and employer-
• Assistance with financial planning
relevant dashboards
• Access to legal expertsDiscovery Health Medical Scheme
PrimaryCare Gap Cover
Discovery Discovery Discovery
for Corporates Gap Cover 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 SchemeDiscovery 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
VITALITY STATUS
Family
None/ Blue Bronze Silver Gold Diamond
structure
R5,000 R6,250 R7,500 R8,750 R10,000
R2,500 R3,125 R3,750 R4,375 R5,000
In-hospital
Specialist Gap
Oncology Benefit Extender Cover
Provides cover for co-payments related to oncology treatment plan
Annual benefit per person
Hospital Admission Extender Benefit
Executive and Comprehensive plans R75,000
Other plans R30,000Discovery Gap Cover: Core versus Comprehensive
Discovery Gap Core Discovery Gap Comprehensive
In-hospital
Specialist Provides cover of up to 200% of the medical scheme rate Provides cover of up to 200% of the medical scheme rate
Gap Cover
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 VITALITY STATUS VITALITY STATUS
Admission Family None/ Family None/
Benefit Bronze Silver Gold Diamond Plan Bronze Silver Gold Diamond
structure Blue structure Blue
Extender
R5,000 R6,250 R7,500 R8,750 R10,000 MSA R10,000 R12,500 R15,000 R17,500 R20,000
R2,500 R3,125 R3,750 R4,375 R5,000 plans R5,000 R6,250 R7,500 R8,750 R10,000
Non-MSA R5,000 R6,250 R7,500 R8,750 R10,000
plans R2,500 R3,125 R3,750 R4,375 R5,000
Annual benefit per person Annual benefit per person
Oncology
Benefit Executive and Comprehensive plans R75,000 Executive and Comprehensive plans R100,000
Extender
Other plans R30,000 Other plans R40,000Discovery Gap Cover premiums
Executive and Classic plans Essential and Coastal plans
Age at Entry of Oldest
Single Family Single Family
Beneficiary
Discovery Gap 0 – 54 R135 R230 R250 R560
Comprehensive
55 – 64 R230 R340 R455 R865
65+ R290 R475 R605 R1,135
Executive and Classic plans Essential and Coastal plans
Age at Entry of
Single Family Single Family
Oldest Beneficiary
Discovery Gap 0 – 54 R90 R150 R165 R395
Core
55 – 64 R150 R180 R390 R575
65+ R180 R265 R575 R920Discovery Health Medical Scheme
PrimaryCare Gap Cover
Discovery Discovery Discovery
for Corporates Gap Cover 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 SchemePrimaryCare 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
+ Involved in a
traumatic incident
Call NetCare 911
for assistance
NetCare arrives on
the scene and
• Access to medical treatment in a casualty facility in our network. contacts Discovery
+
Member will not have to pay upfront for these medical services to confirm cover
• Up to R100 000 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
The following traumatic events are covered:
• Burns
• Head injuries Discovery confirms Paramedics assess If taken to private healthcare
• Loss of an arm, hand, leg or foot that Trauma condition and facility, stabilized in casualty
• Near drowning benefit is active decide on most facility, moved to in-patient
• Poisoning or a serious reaction that may cause death and that trauma clinically hospital treatment (if required)
event is covered appropriate course then discharged or taken to
• Injuries resulting from a crime, sexual assault, a fall, a car accident or an injury at
of action state
workPrimaryCare Wellness-Related Benefits
From 2018, PrimaryCare will include wellness benefits: Combined Wellness Experience
(DHMS and PrimaryCare employees)
• PrimaryCare Wellness Experience • Similar experience (aesthetics and feel) for all employees
o For employees only • Premier event setup, with additional pods for PrimaryCare
o Requires a minimum of 30 members at an employer site o All employees book their timeslots and register for the event at the
o Available once a year registration station
o Includes BMI, blood pressure, cholesterol, glucose and HIV o PrimaryCare members will complete a manual registration and consent
testing form in the PrimaryCare booth with the consultant
o No additional fee 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 payablePrimaryCare Pricing
Pricing is dependent on the employer’s unique circumstances, including: Waiting period:
• Demographic profile of employees • No exclusions and no waiting periods for employees
• Compulsory or voluntary nature of PrimaryCare membership • 6-month waiting period for dependants
• PrimaryCare option selected 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
Indicative Pricing
Discovery PrimaryCare Essential
General principle on split risk between DHMS and PrimaryCare:
Indicative fees Employee Spouse Child • If employer group on DHMS with an underwriting concession looking to
Monthly fee introduce split risk
R158 R158 R158
(incl. VAT) o DHMS no longer able to offer an underwriting concession to any
employee in income band where PrimaryCare offered
Trauma Benefit R50 R50 R25
o Underwriting concession would still apply for employees earning above
Combined R208 R208 R183 income band, where membership of DHMS is compulsory
o Includes employees that would become eligible to move from the
Discovery PrimaryCare Comprehensive PrimaryCare to DHMS by virtue of an increase in their earnings
Indicative fees Employee Spouse Child
Monthly fee
R269 R269 R174
(incl. VAT)
Trauma Benefit R50 R50 R25
Combined R319 R319 R199Get healthy. Get rewarded.
Discovery Vitality | 2018Vitality 2018
MOVE ACTIVE PURPLEMove Active Vitality Purple
Overview Brings Vitality to every DHMS Designed for 18 to 30 year olds, Multi-faceted wellness programme For the discerning few. Offers
member, and rewards them for Vitality Active members get that encourages and rewards enhanced benefits in addition to
taking steps towards a healthy rewarded for getting active and members as they get healthier those available through the Vitality
lifestyle driving well programme.
Eligibility • DHMS members • DHMS members • DHMS members • DHMS Executive plan members*
• Discovery In-House Scheme • Discovery In-House Scheme • Discovery In-House Scheme • Discovery Life Purple
members members members policyholders*
• PrimaryCare members • Discovery Life policyholders • Discovery Life policyholders • Discovery Invest Purple
policyholders*
• Discovery Card Purple
cardholders*
*requires an active Vitality policy
Premium • Free • R40 per adult under 30 per M | R239 M | R399
• Upgrade for R35 per adult per month M + 1 | R289 M + 1 | R459
month • R60 per adult 30 or older per M + 2 | R329 M + 2 | R499
monthDiscovery Vitality • Vitality • VitalityMove • VitalityActive • VitalityPurple
Sep-15
Oct-15
Nov-15
Dec-15
Jan-16
Feb-16
Mar-16
Apr-16
May-16
Jun-16
Jul-16
Aug-16
The success of Active Rewards
Sep-16
Oct-16
Nov-16
Dec-16
Jan-17
Feb-17
Mar-17
Apr-17
May-17
Jun-17
>350,000
Jul-17
Aug-17
Sep-17
+24%
3 millionVitality Active Rewards Enhancements: Surprise Rewards Eligibility •Vitality members with Vitality Active Rewards. Individuals aged 18+
Vitality Active Rewards Enhancements: Expanding Social Interaction
• Members are able to track their progress
• Encourage members to participate in
relative to friends and overall Vitality Active
activities or engage in leaderboards • Remove maximum limit of 4 friends
Rewards base
• Members earn entries into the draw • Team/ social rewards fall away
• Leaderboard metrics align with performance
• Prize winners are randomly selected • Go live: November 2017
metrics on dashboard
• Go live: September 2017
• Go live: Q1 2018
Eligibility
•Vitality members with Vitality Active Rewards. Individuals aged 18+Driving longer-term engagement through new booster benefits
up up up
to to toDriving longer-term engagement through new booster benefits
Up to Up to Up to
100% 75% 25%
OR OR
Buy new shoes up to R2,000 Buy a road or mountain bike
Buy a fitness device up to R4,000
up to R20,000
Vitality Active Rewards goals pm
0-1 2 3 4 0-1 2 3 4 0-1 2 3 4
25%
+ 25% +
HealthyGear 0% 10% 25% 75% 0% 10% 25% 50% 0% 10% 15% 25%
HealthyGear
cash back cash backEnhanced Vitality Baby
10%
Receive a Vitality Baby box filled Get up to 25% back on selected
with useful information and nappies and other baby
exciting gifts essentials at Clicks or Dis-Chem
Off leading brands with HealthyCare
Complete Vitality health
Save 10% on an activities as a family,
array of items for engage in exclusive
your baby at A-Zee Disney-inspired content,
Baby, Babies R Us, and you will stand the
Born Fabulous, chance to win monthly
Takealot & Toys R Us Disney hampers!
Retail benefit available from Q2 2018Discovery Vitality • Vitality • VitalityMove • VitalityActive • VitalityPurple
Vitality Move emphasises key health risks in SA
-30%
-48%
23%
47%
13%
27%
Physical inactivity Obesity Not
screened
Screened Screened
& BMI
Screened &
high levels
Global South Africa in-range of physical
activityActivate Vitality Move for free to win HealthyFood shopping
rewards at Pick n Pay
Swipe your Stand a chance to Do a Vitality Health Check and
card every time you shop win back your stand a chance to win back your
at Pick n Pay spend spendUpgrade for R35 per month and get up to R300 back on groceries,
gym and movies
Get off Get up to in Pick n Pay Get up to off movie
monthly gym fees shopping rewards every month tickets every month
AND AND
4x 4x
R25 R25
vouchers vouchersVitality Move: How to earn rewards
4x
R15 Do a Vitality Health Check and immediately get R60 per month in Pick n Pay shopping rewards and R60
vouchers per month in movie rewards
4x
R20 If weight is in range, rewards increase to R80 per month in Pick n Pay shopping
vouchers rewards and R80 per month in movie rewards
Weight is in range if: OR between 25 and 29.9, with a waist circumference below 94cm in males
BMI is between 18.5 and 24.9
and 80cm in females
4x
R25 Achieve 10 or more fitness days and get R100 per month in Pick n Pay shopping rewards and R100 per
vouchers month in movie rewards
Members that have done their Vitality Health
1 fitness day = Check and achieve 10 or more fitness days per
month receive the maximum reward
1 parkrun 1 gym visit regardless of their weight
10,000+ steps
tracked through S-Health
or Apple HealthDiscovery Vitality • Vitality • VitalityMove • VitalityActive • VitalityPurple
Vitality Active
Get 25% off
gym membership
Rewards for
Weekly fitness and
driving goals
Earn a Vitality status
Goal streaks Supports the Discovery
product range aimed at
young adults50% 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.Elite coaching
REGION FACILITY SPORT EXPERTS ELITE ATHLETES PROCESS
Dr Jon Patricios
Gauteng Dr Carol Austin
Central Waterfall Sports
Lindsay Parry
Medicine
CONSULTATION
Prof Martin
Gauteng Schwellnus
North High Performance Centre,
Lindsay Parry
University of Pretoria PERSONALISED
TRAINING
Dr Kevin Subban
Kwa Zulu
Natal Prime High Performance MONITORING
Institution Dennis Jackson
Prof Wayne
Western Derman MOTIVATION
Cape Stellenbosch Academy of
SportThe 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) Mount Grace Country House and Spa (Gauteng)
Mont Rochelle (Virgin Group) (Western Cape) Melrose Arch Hotel (Gauteng)
Luxury Moore Hotel (Gauteng) Irene Country Lodge (Gauteng)
12 Apostles Hotel (Western Cape) 15 on Orange Hotel (Western Cape)
Lion Sands (More Group) (North West) Audacia Manor Boutique Hotel (Kwa-Zulu Natal)
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)
Radisson Blu (Western Cape)
Hyatt Regency (Gauteng)
Radisson Blu (Rwanda) Willow Stream Spa, Zimbali (Kwa-Zulu Natal)
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)
Fairlawns Boutique Hotel & Spa (Gauteng)
The Turbine (Knysna)
Walkersons Hotel (Mpumalanga)Using the Vitality Purple Spa Collection benefit
50%
40%
30%
25%
20%
Contact your Specify your Receive your Enjoy your Pay the
private chosen spa activation treatment discounted
consultant confirmation amount,
determined by
your Vitality
statusVitality Purple Boosters
Device OR Bike OR Golf
(Garmin, Suunto) (Cycle Lab) (Pro shop)
Contact your Private Consultant to activate your benefit
Select your device Buy your golf equipment at
Buy a new bike at Cycle Lab
Consultant facilitates payment and delivery ProShop
Maximise your discount by increasing your Vitality status
Up to 50% cashback every Up to 25% cashback every Up to 25% cashback, paid at the
month, over 24 months month, over 36 months end of the month of purchase
Cashback is determined by the member’s Vitality status at the time of cashback paymentVitality 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.
2018 Premiums M M+1 M+2
Vitality 239 289 329
Vitality Purple 399 459 499
Vitality Purple premium includes the full standard Vitality programmeYou can also read
