DISCOVERY HEALTH DISCOVERY HEALTH MEDICAL - SCHEME UPDATES 2021

 
DISCOVERY HEALTH DISCOVERY HEALTH MEDICAL - SCHEME UPDATES 2021
DISCOVERY HEALTH
DISCOVERY HEALTH MEDICAL
SCHEME
UPDATES 2021
DISCOVERY HEALTH DISCOVERY HEALTH MEDICAL - SCHEME UPDATES 2021
Utilisation discontinuity:
 balancing the equilibrium             Technology:                  Quality care:                Access:
    between long-term            enabling digital healthcare
sustainability and short-term   services leveraging platforms   benefit changes to drive   expanding access to
        affordability                   and Big Data              positive outcomes        affordable healthcare
DISCOVERY HEALTH DISCOVERY HEALTH MEDICAL - SCHEME UPDATES 2021
Utilisation discontinuity:
 balancing the equilibrium             Technology:                  Quality care:                Access:
    between long-term            enabling digital healthcare
sustainability and short-term   services leveraging platforms   benefit changes to drive   expanding access to
        affordability                   and Big Data              positive outcomes        affordable healthcare

   Contribution increase          Connected care across            Focus on patient        Expanding access to
    strategy for 2021              the care continuum                centric care             new markets
DISCOVERY HEALTH DISCOVERY HEALTH MEDICAL - SCHEME UPDATES 2021
COVID-19 HAS CREATED A DISCONTINUITY IN UTILISATION TRENDS

       New COVID-19
       Demand

140%

120%

100%

80%

60%

40%

20%                         New
                      COVID-19 Demand

 0%
       Pre Covid      Mar-20            Jun-20   Sep-20   Dec-20
DISCOVERY HEALTH DISCOVERY HEALTH MEDICAL - SCHEME UPDATES 2021
COVID-19 HAS CREATED A DISCONTINUITY IN UTILISATION TRENDS

       New COVID-19                        Lower Non-                 Lower Non-
       Demand                              COVID-19 Demand            COVID-19 Supply

140%

120%                                                                  Non-COVID-19 demand
                                                                      lower than Pre-COVID:
            Pre-COVID-19 Levels
100%                                                                                          Admissions
                                                                                              Out-of-Hospital
                                                                                              Overall non-COVID
                                                                                              demand
80%
                                                                                              Non-COVID supply

60%
                                                                      Non-COVID-19 supply
                                                                      lower than Pre-COVID
40%

20%                                     New
                                  COVID-19 Demand

 0%
       Pre Covid                  Mar-20            Jun-20   Sep-20             Dec-20
DISCOVERY HEALTH DISCOVERY HEALTH MEDICAL - SCHEME UPDATES 2021
COVID-19 HAS CREATED A DISCONTINUITY IN UTILISATION TRENDS

       New COVID-19                        Lower Non-                 Lower Non-                                Favourable net impact on
       Demand                              COVID-19 Demand            COVID-19 Supply                              scheme reserves

140%

120%                                                                  Non-COVID-19 demand                             Reserves (Rand billion)
                                                                      lower than Pre-COVID:
            Pre-COVID-19 Levels                                                                                                            27.5
100%                                                                                          Admissions                        +36%
                                                                                              Out-of-Hospital
                                                                                              Overall
80%                                                                                                                   20.1

60%
                                                                      Non-COVID-19 supply
                                                                      lower than Pre-COVID
40%

20%                                     New
                                  COVID-19 Demand

 0%                                                                                                             DHMS pre COVID-19      DHMS end 2020
       Pre Covid                  Mar-20            Jun-20   Sep-20             Dec-20
DISCOVERY HEALTH DISCOVERY HEALTH MEDICAL - SCHEME UPDATES 2021
ANTICIPATED RETURN OF LATENT NON-COVID-19 RELATED DEMAND
IN 2021
       New COVID-19                        Lower Non-                 Lower Non-                         Return of non-COVID-19
       Demand                              COVID-19 Demand            COVID-19 Supply                    latent demand

140%

120%

            Pre-COVID-19 Levels
100%

80%
                                                                                                                 Higher ongoing healthcare
                                                                                        Demand and supply
                                                                                                                 funding demand due to:
60%                                                                                     return to pre-COVID
                                                                                        levels July 2021         § COVID-19 Vaccine availability
                                                                                                                 § Potential Resurgence
                                                                                                                 § Deferred care during pandemic
40%

20%

 0%
       Pre Covid                  Mar-20         Jun-20      Sep-20         Dec-20           Jun-21            Dec-21
DISCOVERY HEALTH DISCOVERY HEALTH MEDICAL - SCHEME UPDATES 2021
2021 CONTRIBUTION INCREASE STRATEGY

                     Contribution increases

 10%

 8%

 6%

                               Annual CPI
                             (FL: 2017 – 2020)

 4%

 2%

 0%
       2017   2018         2019           2020   2021 H1   2021 H2
DISCOVERY HEALTH DISCOVERY HEALTH MEDICAL - SCHEME UPDATES 2021
2021 CONTRIBUTION INCREASE STRATEGY

                     Contribution increases                                                2021 H1 drivers

 10%                                                                   3.9%        -1.6%

 8%

                                                                                                -0.8%
 6%

                                                                                                              -1.5%
 4%

 2%

                                                                                                                         0%
                                              Contribution
                                                freeze
 0%
       2017   2018         2019       2020      2021 H1      2021 H2            Demand-side   Supply-side      Risk
                                                                       Tariff                                            Net
                                                                                  inflation    inflation    management
DISCOVERY HEALTH DISCOVERY HEALTH MEDICAL - SCHEME UPDATES 2021
2021 CONTRIBUTION INCREASE STRATEGY

              Contribution increases                                                     2021 H2 drivers

 10%

 8%

                                                         Maximum increase
                                                         of CPI + 2% ~ 5.9%
 6%                                                                                                                             5.9%
                                                                                                     +1.2%

                                                                                                                    -1.5%
                                                                              +3.9%
 4%
                                                                                         +2.3%

 2%

                                          Contribution
                                            freeze
 0%
       2017    2018      2019      2020     2021 H1            2021 H2                 Demand-side   Supply-side      Risk
                                                                              Tariff                                            Net
                                                                                         inflation    inflation    management
2021 CONTRIBUTION INCREASE STRATEGY

                     Contribution increases

                                                                       0% contribution increase
 10%                                                                   from January to June

 8%

 6%

 4%

 2%

                                              Contribution
                                                freeze
 0%
       2017   2018         2019       2020      2021 H1      2021 H2
2021 CONTRIBUTION INCREASE STRATEGY

                     Contribution increases

                                                                                  0% contribution increase
 10%                                                                              from January to June

 8%
                                                                                  Maximum CPI+2% (5.9%) increase for
                                                                                  July to December
                                                             Maximum increase
                                                             of CPI + 2% ~ 5.9%
 6%

 4%

 2%

                                              Contribution
                                                freeze
 0%
       2017   2018         2019       2020      2021 H1            2021 H2
2021 CONTRIBUTION INCREASE STRATEGY

                     Contribution increases

                                                                                  0% contribution increase
 10%                                                                              from January to June

 8%
                                                                                  Maximum CPI+2% (5.9%) increase for
                                                                                  July to December
                                                             Maximum increase
                                                             of CPI + 2% ~ 5.9%
 6%
Utilisation discontinuity:
 balancing the equilibrium                     Technology:                  Quality care:                Access:
    between long-term                    enabling digital healthcare
sustainability and short-term           services leveraging platforms   benefit changes to drive   expanding access to
        affordability                           and Big Data              positive outcomes        affordable healthcare

   Contribution increase                  Connected care across            Focus on patient        Expanding access to
    strategy for 2021                      the care continuum                centric care             new markets
  0% contribution increase in H1 2021

  Max CPI+2% increase in H2 2021
Utilisation discontinuity:
 balancing the equilibrium                Technology:                      Quality care:                Access:
    between long-term           enabling digital healthcare services
sustainability and short-term   leveraging platforms, Big Data and     benefit changes to drive   expanding access to
        affordability                  innovative technology             positive outcomes        affordable healthcare

   Contribution increase             Connected care across                Focus on patient        Expanding access to
    strategy for 2021                 the care continuum                    centric care             new markets
INTRODUCING DISCOVERY CONNECTED CARE

                               Access to connected healthcare
                               across the care continuum

                                   High quality home-based care delivered
                                   through Discovery assets and partnerships

                                         Personalised experience enabled by
                                         a range digital healthcare solutions

                                             Underpinned by DHMS benefits
TRANSFORMING HEALTHCARE DELIVERY ACROSS THE CONTINUUM

    For Home | For Work                     For Chronics                       For Acute Care

   On-demand medical examinations          Educational material             Sophisticated clinical insights
        Virtual consultations           Remote monitoring devices         Tools for healthcare professionals
             E-scripting            Personalised coaching consultations      Remote monitoring devices
         Medicine delivery
ENABLING ON-DEMAND OUT-OF-HOSPITAL HEALTHCARE DELIVERY AT
HOME THROUGH CONNECTED CARE FOR HOME

     Detailed medical examinations and advanced      24/7 doctor support
                 virtual consultations            Discovery TytoCare Dr Network
CONNECTED CARE FOR HOME POWERED BY TYTOCARE

       Ty t o H o m e b y Ty t o C a r e

                         § Award-winning, mobile
                           medical device enabling
                           remotely-guided virtual
                           consults with a GP –
                           anytime, anywhere.

                         § Captures and shares ear,
                           throat and skin images and
                           lung and heart auscultations

                         § Device includes exam
                           camera, thermometer,
                           otoscope and stethoscope
CONNECTED CARE FOR HOME POWERED BY TYTOCARE

       Ty t o H o m e b y Ty t o C a r e                       20% discount
                                                              for all Discovery clients AND

                         § Award-winning, mobile
                           medical device enabling
                                                             scheme funding
                           remotely-guided virtual           for qualifying DHMS members
                           consults with a GP –
                           anytime, anywhere.
                                                             Retail price   R7 855 incl. VAT
                         § Captures and shares ear,
                           throat and skin images and
                                                             Discovery
                           lung and heart auscultations
                                                             clients and
                                                                            R 6 284 incl. VAT
                                                                DHMS
                         § Device includes exam               members
                           camera, thermometer,
                           otoscope and stethoscope       PRE-ORDER FROM OCTOBER 2020
ENABLING ON-DEMAND OH HEALTHCARE DELIVERY AT HOME THROUGH
CONNECTED CARE FOR HOME

  Detailed medical examinations and      24/7 doctor support            End-to-end digital experience
                                                                      Including e-scripting, same-day medicine
    advanced virtual consultations    Discovery TytoCare Dr Network
                                                                        delivery and automatic EHR updates
EMPOWERING PATIENTS AND PROVIDERS THROUGH CONNECTED
CARE FOR CHRONIC ILLNESS

  Access to condition-                                            Advanced integrated
                                     DHMS benefits                                                     Member support
    specific content                                                   reporting

   Interactive and intuitive      100% funding for remote       Clinical and lifestyle metrics     Personalised coaching and
 digital educational content   monitoring devices and apps to      to monitor your health        consultations with relevant care
                                support chronic management         with automatic triggers               team members
                                                                    to the treating doctor
CONVERGENCE OF CLINICAL AND DATA INSIGHTS TO OFFER HIGH
QUALITY CARE AT HOME FOR ACUTE CASES
   CLINICAL DATA ANALYTICS TOOLS

  CODING
 SCHEMAS
           CLASSIFICATIONS
             AND TOOLS
                              CLINICAL
                             GROUPERS
                                                                                           Enables

                                              Clinical criteria for the
                                              safe treatment of low
                                              acuity conditions           Home-based care for members who are at risk
                                                                            of re-admission post hospital discharge

                                                                             Home-based care for members who are
                                              Identification of risk,           discharged early from hospital
                                              complexity and
                                              patient
                                              comorbidities                   Home-based acute care for members
                                                                                   in lieu of hospitalisation
                                              Criteria for optimal
                                              patient recovery
                                                                              Home-based acute care for end of life
                               CLINICALLY APPROPRIATE                                  palliative care
                                QUALIFYING MEMBERS
INTRODUCING CONNECTED CARE FOR ACUTE CARE

                                            24/7 GP-oversight panel for
                                            immediate care and advice

 Detailed clinical assessment to
      ensure patient safety and
           subsequent eligibility

                                                                Library with
                                                                condition specific
                                                                and procedural
                                                                content

Integrated management
      dashboard for live
monitoring by healthcare                                    End-to-end digital
               providers                                    medication journey with
                                                            live tracking
     Supportive physical and virtual
     consultations by specialist care
                                team
HEALTHCARE DELIVERY TO THE WORKPLACE THROUGH CONNECTED
CARE FOR WORK

                                      The enhancements to the onsite
                                           clinic offering allows:

                                        Advanced diagnostic care with
HEALTHCARE COVER                        Tyto Care

                                        Digital booking platform and
HEALTH AND
                                        dispensing of medication onsite
WELLNESS
BENEFITS

DIGITAL
ENABLERS
                                        Year round access to complete a
BEHAVIOUR                               Vitality Health Check
CHANGE
PROGRAMME
Utilisation discontinuity:
 balancing the equilibrium                Technology:                      Quality care:                Access:
    between long-term           enabling digital healthcare services
sustainability and short-term   leveraging platforms, Big Data and     benefit changes to drive   expanding access to
        affordability                  innovative technology             positive outcomes        affordable healthcare

   Contribution increase             Connected care across                Focus on patient        Expanding access to
    strategy for 2021                 the care continuum                    centric care             new markets
Utilisation discontinuity:
 balancing the equilibrium                Technology:                    Quality care:                Access:
    between long-term               enabling digital healthcare
sustainability and short-term   services leveraging platforms, Big   benefit changes to drive   expanding access to
        affordability            Data and innovative technology        positive outcomes        affordable healthcare

   Contribution increase             Connected care across              Focus on patient        More ways to access
    strategy for 2021                 the care continuum                  centric care              healthcare
ENHANCED SUPPORT FOR MENTAL WELLBEING FOR 2021

 Intensity of
 intervention

  High
                        IN-PATIENT TREATMENT
                     in optimized psychiatric network

                         DEFINED DAY FACILITY PROGRAMME
                           delivered by a multidisciplinary team

                                      COMPREHENSIVE OUT-PATIENT CARE
                                        coordinated by the Premier Plus GP

                Healthy Company                         EARLY INTERVENTIONS AND
   Low
                                                          OUT-PATIENT SUPPORT
         Poor
                                                            for members at risk or
                                                         between depressive episodes

                                                                  PROMOTING WELL-BEING
                                                               even for those who may not consider
                                                                         themselves at risk
                                                  Excellent

                                                  State of mental health
ENHANCED SUPPORT FOR MENTAL WELLBEING FOR 2021

 Intensity of
 intervention
                                                                                                     Key enhancements
  High
                        IN-PATIENT TREATMENT
                     in optimized psychiatric network
                                                                                                     New Relapse Prevention
                                                                                                     Programme to identify and
                                                                                                     support members who are at
                         DEFINED DAY FACILITY PROGRAMME                                              risk of relapse or recurrence
                           delivered by a multidisciplinary team

                                                                                                     Enhanced out-patient benefits
                                      COMPREHENSIVE OUT-PATIENT CARE
                                        coordinated by the Premier Plus GP
                                                                                                     to monitor and manage acute
                                                                                                     and/or episodic major depression
                Healthy Company                         EARLY INTERVENTIONS AND
   Low
                                                          OUT-PATIENT SUPPORT
                                                            for members at risk or
         Poor
                                                         between depressive episodes
                                                                                                     Free access to Personal Health
                                                                                                     Goals on Vitality Active Rewards
                                                                  PROMOTING WELL-BEING
                                                               even for those who may not consider
                                                                                                     for those who are at risk or
                                                                         themselves at risk          diagnosed with major depression
                                                  Excellent

                                                  State of mental health
SUPPORTING YOUNG FAMILIES WITH BENEFITS FOR INFERTILITY

  Cover for Assisted Reproductive Therapies (ART) including In-Vitro Fertilisation
          (IVF), Intra-Uterine Insemination (IUI), Embryo Transfer (FET)
                   and Intra-Cytoplasmic Sperm Injection (ICSI)

    Available to members on      Cover for up to 2 cycles of ART   Benefit accessible at SASREG
  Executive and Comprehensive     for eligible members, which      accredited centres, subject to
  plans, minimum of 2 years on          includes cover for         clinical pathway and protocols
    plan, between the ages of       the full member journey
         25 and 42 years
IMPROVING QUALITY OF CARE THROUGH NETWORK SOLUTIONS

     Success of the Major Joints Centre                Variations in quality of care for                 Variations in quality of care for spinal
                 of Excellence                           colorectal cancer surgery                                              surgery

       High quality, cost effective arthroplasty       Improved survival rates in high volume             Improved readmission rates in high volume
          network with defined pathways                              hospitals                                           hospitals

            Pre and post surgery education                 5-year survival rate after surgery                                Readmission rate
                                                                     (2010-2018)                                            Post lumbar fusions
             Clinical outcomes measures

                                                           63%
           Single global fee for all services                                                                                                               11.00%
                                                                                                        10.10%

             Peer review and monitoring
                                                                                                        8.30%

                 Full cover in network                                                                                                                      7.00%

            Incentivise highest quality care

                                                                                         58%

 •   95 participating Centres of Excellence
 •   340 participating surgeons                                                                            2016             2017         2018          2019
 •   Full coverage for over 90% of members                                                                       High volume hospitals     Low volume hospitals
                                                   High volume hospitals         Low volume hospitals
 •   Improvements in clinical outcomes
IMPROVING QUALITY OF CARE THROUGH NETWORK SOLUTIONS

            Centre of excellence for colorectal cancer            Enhanced spinal care programme and
                              surgery                                       quality network

                Enhanced reimbursement                        Out-of-hospital Back Pain care programme
          and value-based contracting; Electronic                                and
                Colorectal Cancer Record                                Spinal Care Network

        Opportunity to develop SA’s first Colorectal Cancer            Up to 6 consultations with
                             registry                                    an appropriate allied
OTHER DHMS BENEFIT UPDATES

                                                                     Improving outcomes for members living
                  Network changes                                                                                                                Other technical updates
                                                                                 with diabetes

 § Day Surgery Network expanded to                                 § Premier Plus GP as Designated                                   § Co-payments for Endoscopic
   members on Comprehensive plans,                                   Service Provider (DSP) for                                        Procedures: Reduced co-payment for
   to ensure provider and patient safety                             Comprehensive members                                             scopes performed in day clinics;
                                                                                                                                       increased co-payment for scopes
 § To ensure continued optimisation of the                         § Premier Plus GP for Diabetes Care                                 performed in acute hospitals
   DHMS Hospital Networks, new                                       member’s DSP for ongoing
   hospitals will be added to, and some                              management of diabetes                                          § Chronic Illness Benefit: From 2021,
   existing hospitals replaced on, plan                              and CVD                                                           formulary and Chronic Drug Amount
   specific networks (for Delta, Smart                                                                                                 changes will be applied.
   and KeyCare)
                                                                                                                                     § 2021 Benefit Limits, Co-payments
                                                                                                                                       and Deductibles Increases: 3%
                                                                                                                                       increase applied. Some benefit limits
                                                                                                                                       unchanged*

* Oncology Threshold, Specialised Medicine and Technology Benefit, International Travel Benefit, Overseas Treatment Benefit, and the KeyCare Mobility Benefit will all have no increase in
2021
Utilisation discontinuity:
 balancing the equilibrium                Technology:                    Quality care:                Access:
    between long-term               enabling digital healthcare
sustainability and short-term   services leveraging platforms, Big   benefit changes to drive   expanding access to
        affordability            Data and innovative technology        positive outcomes        affordable healthcare

   Contribution increase             Connected care across              Focus on patient        More ways to access
    strategy for 2021                 the care continuum                  centric care              healthcare
ACCESS TO SHARI’AH-COMPLIANT DISCOVERY HEALTH MEDICAL
SCHEME PLAN OPTIONS
 Discovery Health Medical Scheme members can elect to have their contributions and claims on any plan option managed in
                    accordance with Shari’ah principles, through the Shari’ah-Compliant Arrangement

                                                                    Contributions and balances invested according to
                                                                    Shari’ah-compliant investment strategies

                                                                    Independent advisory committee for
                                                                    ongoing compliance, reviews and audits

                                                                    Selected on the application form,
                                                                    on request
DISCOVERY PREPAID HEALTH
AFFORDABLE HEALTHCARE FOR ALL SOUTH AFRICANS

     Free-to-use digital platform              Affordable prepaid healthcare services

                                                 R50                                    R150 – R200

                                           R250 – R300                                  R300 – R350
DISCOVERY PREPAID HEALTH
AFFORDABLE HEALTHCARE FOR ALL SOUTH AFRICANS

                                                  Top up healthcare balance
                                                            Multiple top-up options
                                                      In-store vouchers   In-app debit or credit card

                 View prepaid
           healthcare balance
                                                      Discovery Bank           Discovery Miles

      Use prepaid healthcare
                    balance
                                                    § Starts at R50
       Affordable healthcare servcies               § Retail outlets throughout South Africa

              Medicine          Pharmacy Clinic

                                                  Find a contracted healthcare
                                                  provider
                                Medicine + In-
        Medicine + Virtual GP    person GP

                                                  Get regular health
       § Always includes medicine
       § Contracted healthcare providers
                                                  & wellbeing tips
         throughout South Africa
Utilisation discontinuity:
 balancing the equilibrium                Technology:                    Quality care:                Access:
    between long-term               enabling digital healthcare
sustainability and short-term   services leveraging platforms, Big   benefit changes to drive   expanding access to
        affordability            Data and innovative technology        positive outcomes        affordable healthcare

   Contribution increase             Connected care across              Focus on patient        More ways to access
    strategy for 2021                 the care continuum                  centric care              healthcare
VITALITY
2021 UPDATES
VITALITY HAS NEVER BEEN MORE RELEVANT

     The nature of COVID-19 risk   Engagement in Vitality is linked to better COVID-19
           is behaviourial                        clinical outcomes
                                            100%
                                                                           Engaged Vitality
     Individuals with 3 or more                                            members have a
     co-morbidities account for                                            37% lower
                                                                         COVID-19 mortality risk
                                                                       63%

    of global COVID-19 deaths
                                      No Vitality engagement     Engaged Vitality
2021
 Clinical Relevance             Physical Activity         Enhanced Rewards

Ensuring Vitality remains   Encouraging exercise with     Dazzling members with
     clinically and           a broader and deeper         exciting new rewards
 behaviourally relevant      physical activity offering        partnerships
2021
 Clinical Relevance             Physical Activity         Enhanced Rewards

Ensuring Vitality remains   Encouraging exercise with     Dazzling members with
     clinically and           a broader and deeper         exciting new rewards
 behaviourally relevant      physical activity offering        partnerships
LOCKDOWN HAS IMPACTED SCREENINGS AND PHYSICAL ACTIVITY,
REQUIRING AN EXTRAORDINARY EFFORT TO KEEP MEMBERS
MOTIVATED
       January – September
   engagement compared to 2019
                                         Recognise 2019 engagement in 2020 to motivate and support members
   ASSESSMENTS AND SCREENINGS
                                   84%
      55%
                    45%
                                               Award the higher of 2019 and 2020 VHC and VFA results

   VHC            VFA       Screenings

                WORKOUTS                       Award 2020 points for 2019 screenings and flu vaccinations
     115%                                      completed in 2019 if not yet completed in 2020
                                   90%

                    34%

   Device         Gym            Steps
                                               Award the higher of 2019 and 2020 physical activity points
                                               for January to September
         % HEALTHY FOOD ITEMS
                           99%

                                                  POINTS WILL BE AWARDED IN OCTOBER 2020
         2019              2020
2021
    Clinical Relevance                  Physical Activity         Enhanced Rewards

      Considering 2019
        engagement

                                    Encouraging exercise with     Dazzling members with
                                      a broader and deeper         exciting new rewards
                                     physical activity offering        partnerships

   2019      2020   2020 adjusted

        VHC & VFA
Other screenings & flu vacs
Physical activity (Jan – Sept)
KEY TRENDS SHAPING THE PHYSICAL ACTIVITY LANDSCAPE

          Proliferation of exercise        Attractiveness of            Importance of
           formats and facilities     high-quality home exercise   (virtual) communities
KEY TRENDS SHAPING THE PHYSICAL ACTIVITY LANDSCAPE

                      1                                     2                                      3
        Providing unrivalled access to      Recognise and reward members for        Continue to build the largest and
          facilities members desire             their workouts everywhere          most inclusive exercise community

               4            Equip members with the best fitness gear, equipment and technology
BROADENING THE PHYSICAL ACTIVITY OFFERING

       Augmenting the highly successful   … by enabling members to get fit at over 300
           Vitality gym benefit …               Vitality-enabled fitness facilities

                                             Earn Vitality points          Spend Discovery Miles

                                                        Yoga &
                                                        Pilates

                                                       Functional
                                                        Fitness
                   75%             100%

     Club
membership
                                                         Dance

                  50%

    National
 membership                                             Digital
                                                        Fitness
CONNECTING AND EXPANDING THE TEAM VITALITY COMMUNITY

                                : the new home for our             community

     Be part of the TEAM VITALITY
    community on            for free

   Discounted training kit                               50% discount on STRAVA Summit

   Earn achievements through tracking activity           Access suggested routes, analyse
                                                         performance and compare results

   Chance to win quarterly and annual prizes             Cashback on race event entries

   Connect and compete with friends                      VIP hospitality
REDESIGNING HEALTHYGEAR FOR A MORE REWARDING EXPERIENCE

               HealthyGear                                  25%

          Up to   25% back                                 Up to

                                                          25%
                                                          upfront        10%
                                                    15%

     Activate benefit

     Complete Vitality Age                  Activate       Complete        Complete
                                            benefit       Vitality Age       VHC
     Complete Vitality Fitness Assessment
                                              10%             15%              25%
INTRODUCING | ACTIVE GEAR

                 25%

                Up to

               25%
               upfront        10%
         15%

 Activate       Complete        Complete
 benefit       Vitality Age       VHC

   10%             15%              25%
EXTENDING THIS EXPERIENCE TO DEVICES

                 25%                                         75%

                                                                             10%

                Up to                                        Up to
                                                                                   15%

               25%                                      75%
               upfront        10%                          upfront                 25%
         15%                               50%

 Activate       Complete        Complete                                      Meet Active    With Discovery
 benefit       Vitality Age       VHC                                        Rewards goals        Bank
                                           Earn an additional 5% for every
   10%             15%              25%     5 Active Rewards goals met              50%           75%
ACTIVE GEAR

                 25%                                         75%

                                                                             10%

                Up to                                        Up to
                                                                                   15%

               25%                                      75%
               upfront        10%                          upfront                 25%
         15%                               50%

 Activate       Complete        Complete                                      Meet Active    With Discovery
 benefit       Vitality Age       VHC                                        Rewards goals        Bank
                                           Earn an additional 5% for every
   10%             15%              25%     5 Active Rewards goals met              50%           75%
ACTIVE GEAR

                 25%                                         75%                              75%

                                                                             10%                           10%

                Up to                                        Up to                           Up to
                                                                                   15%                           15%

               25%                                      75%                                  75%
               upfront        10%                          upfront                 25%       upfront             25%
         15%                               50%

 Activate       Complete        Complete                                      Meet Active     With Discovery
 benefit       Vitality Age       VHC                                        Rewards goals         Bank
                                           Earn an additional 5% for every
   10%             15%              25%     5 Active Rewards goals met              50%              75%
SUMMARY | GETTING MORE MEMBERS MORE ACTIVE IN 2021

Providing unrivalled access, recognition and sense of community to encourage members to get active

  P H Y S I C A L                                                                           V I R T U A L

 GYMS     BOUTIQUE FACILITIES   RUNNING & CYCLING   HOME WORKOUTS    DIGITAL FITNESS   VIRTUAL COMMUNITIES

                        Rewarding members with the best fitness gear and equipment
2021
    Clinical Relevance              Physical Activity   Enhanced Rewards

      Considering 2019
        engagement

                                                        Dazzling members with
                                                         exciting new rewards
                                                             partnerships

   2019      2020   2020 adjusted

        VHC & VFA
Other screenings & flu vacs
Physical activity (Jan – Sept)
VITALITY
             GET HEALTHY     2021                                GET REWARDED

GET ACTIVE                        EARN DISCOVERY MILES                     SPEND DISCOVERY MILES
                             Exercise and Drive well         Vitality Mall   20% Online Shopping 20%

                                      4,000            700

                             Vitality Active Rewards

                                                                                     Prepaid products 20%

EAT WELL                                                                               Travel

                             Spend and Invest

                                                                          Exchange         Convert    Transfer

TAKE CARE

                                                                                        plus much, much more…
Hotels and car hire benefits are   Vitality members get early booking    Priority Fast Track at OR Tambo and
now open for bookings              access when domestic flights reopen   Cape Town International Airports

                                                                           International arrivals fast track available from
                                                                           November 2020
2021
    Clinical Relevance              Physical Activity   Enhanced Rewards

      Considering 2019
        engagement                                      20%

   2019      2020   2020 adjusted

        VHC & VFA
Other screenings & flu vacs
Physical activity (Jan – Sept)
VITALITY
2021 UPDATES
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