Health Insurance 2022 - Discovery

 
Health Insurance 2022 - Discovery
Health
Insurance
2022

Health insurance by Vitality Health
International offers shared-value health
insurance to companies operating in Africa,
enabling comprehensive insurance cover
for the healthcare of their employees,
underpinned by incentives, tools and
rewards for them to live healthier.
Health Insurance 2022 - Discovery
Shared-value | Health Insurance | Product platform | Cover options | Healthcare networks | Vitality | Servicing channels

              Investing in your
              employees’ health
              and wellness is
              good business

              There is growing evidence                                    Studies show that employees in good health are 17% more productive than those in poor health, experience fewer motivational
                                                                           problems, are more resilient to change, and are more likely to be engaged with business priorities.
              supporting the concept                                       Ensuring that your employees have access to good, quality healthcare is essential to sustain the health and productivity of your

              that focusing on the health                                  workforce. While traditional health insurance models provide this access, it is focused on the funding of that access when it is
                                                                           needed, and not necessarily on keeping your employees in good health.
              and safety of a workforce                                    The shared-value insurance model of Vitality Health International goes beyond the traditional insurance model by incentivising
              is good business.                                            employees to remain in good health, reducing the cost of their insurance and sustaining their health and productivity.

PG 2 | Investing in your employees’ health and wellness is good business
Health Insurance 2022 - Discovery
Shared-value | Health Insurance | Product platform | Cover options | Healthcare networks | Vitality | Servicing channels

                                                                                              Vitality Health International
                                                                                              is a pioneering insurer that
                                                                                              incentivises people to be
                                                                                              healthier, and enhances and
                                                                                              protects their lives by using
                                                                                              a shared-value approach
                                                                                              to insurance

PG 3 | Vitality Health International
Health Insurance 2022 - Discovery
Shared-value | Health Insurance | Product platform | Cover options | Healthcare networks | Vitality | Servicing channels

              Making people                                                                 WHEN OUR CLIENTS ARE HEALTHIER,

              healthier through                                                     OUR BUSINESS IS HEALTHIER AND SOCIETY IS HEALTHIER

              shared-value health
              insurance                                                                                               EMPLOYEES
                                                                                                        Improved health, better value through
                                                                                                            improved price and benefits
              Discovery, the owners of Vitality Health
              International, pioneered shared-value insurance,
              which not only provides comprehensive health
              insurance, but also incentivises clients to lead
              a healthier lifestyle through Vitality, the world’s                                            s                                   He
                                                                                                         e                                         al
                                                                                                     tiv
              leading behavioural science-based wellness
              programme.
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              By encouraging and rewarding healthy behaviour

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              change, insurers experience fewer claims, improved

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              lapse rates and increased profits. These profits,
              generated by improved health, in turn fund further

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              incentives that create ongoing behaviour change.
              The result is a virtuous cycle called Shared-Value

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              Insurance, which shares material benefits between
              the insurer (more profits), clients (greater health
              and financial rewards) and society (lowered
              healthcare costs and a healthier, more productive
              workforce).

              Through the integration of Vitality with the health
              insurance offered by Vitality Health International,
              Pan-African employers can ensure that their
              employees have access to world-class health           SOCIETY                                                                                             INSURER
              insurance with the added focus of keeping their
              employees in good health.                             Healthier society                                                                              Lower claims
                                                                    Improved productivity                                                                       Higher margins
                                                                    Reduced healthcare                                                                         Positive selection
                                                                                                                  Insur          s
                                                                                                                        er saving
                                                                    burden                                                                                     and lower lapses

PG 4 | Shared-value health insurance
Health Insurance 2022 - Discovery
Shared-value | Health Insurance | Product platform | Cover options | Healthcare networks | Vitality | Servicing channels

              Introducing Health Insurance
              by Vitality Health International

                                                                                                                                                         CO M P R E H E N S I V E , R E L E VA N T H E A LT H
                                                                                                                                                                   INSUR ANCE OPTIONS

              Vitality Health International will offer shared-value health insurance to employers in Africa,
              enabling comprehensive cover for healthcare for their employees, underpinned by incentives
              and tools to live healthier. Leveraging the key assets of the Discovery Group, employers with
              operations on the African continent can offer their employees living and working in Africa
              access to comprehensive, quality healthcare through Vitality Health International. Vitality
              Health International provides comprehensive health insurance benefits for the full spectrum
              of employees’ medical needs through a range of options. All insurance options are supported
              by a full suite of leading digital technology designed to create an intuitive and accessible
              healthcare system experience, and a seamless service experience for employees, employers
              and financial advisers.

              To incentivise engagement in healthy behaviour, employees will have access to Vitality, the
              world’s leading behaviour-change programme, designed to make people healthier.

              Quoting for Pan-African Health Insurance will be available from 1 November 2021, for cover effective from 1
              January 2022. Cover will be initially available in four African countries, with a focus to expand into the rest of
              Africa throughout 2022.

                        Nigeria                                Kenya

                         Zambia                                Ghana                                                                 Vitality Health International covers all relevant healthcare services through four distinct health
                                                                                                                                     insurance options that allow employers to tailor the cover to the needs of their employees.
                                                                                                                                     Each option offers a different overall level of cover, and the choice of cover in-country, across
                                                                                                                                     Africa, or worldwide. All options include Vitality to incentivise wellness among employees.

PG 5 | Introducing Pan-African Health Insurance
Health Insurance 2022 - Discovery
Shared-value | Health Insurance | Product platform | Cover options | Healthcare networks | Vitality | Servicing channels

              Health insurance
              product platform                                    MAJOR                                            MATERNITY
                                                                  DISEASE                                          BENEFIT
              KEY FEATURES                              Cover for a defined list of major diseases,       Comprehensive prenatal healthcare
                                                        subject to the overall yearly limit               services for maternity
                                                           Cancer, including palliative care                 In-hospital procedures (birth,
                                                           HIV/AIDS                                          complications, sterilisation), subject
                                                                                                             to the out-patient limit
                                                           Organ transplants
                                                                                                             Pre- and postnatal care, subject to
                                                           Kidney dialysis
                                                                                                             the out-patient limit
                                                                                                             Infertility treatment
                                                                  IN-PATIENT                                 Neonatal care, subject to sub-limits
                                                                  BENEFIT
                                                        Cover in any private hospital, subject                     OUT-PATIENT
                                                        to the overall yearly limit
                                                                                                                   BENEFITS
                                                            Cover for all hospital admissions,
                                                            subject to overall plan limit                 Cover for a defined list of out-patient
                                                                                                          benefits subject to a yearly out-patient
                                                           Emergency transport
                                                                                                          benefit, limit and sub-limits
                                                           Family accommodation
                                                                                                             GPs and specialists
                                                                                                             Prescribed medicine
                                                                  CHRONIC                                    Diagnostic tests
                                                                  ILLNESS BENEFIT                            Consultations with allied healthcare
                                                        Cover for a defined list of chronic conditions       providers
                                                         	Chronic medicine, consultations,                  Adult and child immunisations
                                                           pathology tests and basic radiology            	Prosthesis and external devices/
                                                           tests, subject to overall plan limit             equipment
                                                                                                             Second-opinion services
                                                                                                             Evacuation services
                                                                  SCREENING
                                                                  AND PREVENTION
                                                        Cover for a defined list of clinically relevant            VITALITY
                                                        health checks (depending on age and sex),         Access to the world’s leading behavioural
                                                        subject to sub-limits                             science-based wellness programme,
                                                                                                          tailored for Africa

PG 6 | Product platform
Health Insurance 2022 - Discovery
Shared-value | Health Insurance | Product platform | Cover options | Healthcare networks | Vitality | Servicing channels

              Four cover options to choose from
              Vitality Health International offers four distinct health insurance options, all benchmarked to provide best-in-category coverage across all benefits.

                                                           IN-COUNTRY                                                                              AFRICA ROAMING
                   H EA L T HCA R E S E R V IC E S                                                                                                                                           WORLDWIDE
                                                                                                                                                   (INCLUDING INDIA
                                                           CORE                                         PLUS                                                                                 (EXCLUDING USA)
                                                                                                                                                   FROM EAST AFRICA)

                   Yearly plan limit for each person every year*

                   Overall plan limit                      $100 000                                     $600 000                                   $1 000 000                                 $3 000 000

                   In-patient benefits

                   Specialised radiology                   Cover of up to $600 for each person          Cover of up to $2 000 for each person      Cover of up to the overall plan limit, subject to preauthorisation
                                                           every year, subject to preauthorisation      every year, subject to preauthorisation

                   Mental health admission                 Cover for up to 10 days for each person for every admission                             Cover for up to 20 days for each           Cover for up to 50 days for each
                                                                                                                                                   person for every admission                 person for every admission

                   All hospital admissions are subject        Cover for accommodation, the surgery, theatre and ward fees, treating specialists and nursing care
                   to the overall plan limit                  Cover for acute dialysis
                                                              Cover for all medicines, consumables and diagnostic tests that form part of an admission
                                                              Cover for devices and appliances
                                                              Cover for necessary physiotherapy, speech therapy and occupational therapy that forms part of the hospital admission

                   Emergency transport                     Cover for ambulance services to an appropriate medical facility, up to overall plan limit

                   Family accommodation                    Cover for up to 30 days of accommodation for the parents of an admitted child

                   Major diseases

                   Conditions covered up to                The following major conditions are covered:
                   the overall plan limit                    Consultations and treatment of cancer
                                                             – In the case of breast cancer, treatment includes reconstructive and replacement surgery
                                                             – Cover for palliative care
                                                             HIV/AIDS
                                                             Organ transplant
                                                             Kidney dialysis

                   In-Country options: Access to cover only in the country in which the policy is issued.
                   Africa Roaming option: Access to cover in any African country and for clients who are based in East Africa, access to cover in India.
                   Worldwide option: Cover worldwide (excluding the United States of America).
              *
                  All yearly limits and sub-limits are applied for each insured person for a 12-month period, calculated from the start date of the policy and subject to policy terms and conditions.

PG 7 | Cover options
Health Insurance 2022 - Discovery
Shared-value | Health Insurance | Product platform | Cover options | Healthcare networks | Vitality | Servicing channels

                                                    IN-COUNTRY                                                                              AFRICA ROAMING
                 HEA L T HCA R E S E R V IC E S                                                                                                                                       WORLDWIDE
                                                                                                                                            (INCLUDING INDIA
                                                    CORE                                        PLUS                                                                                  (EXCLUDING USA)
                                                                                                                                            FROM EAST AFRICA)
                 Maternity

                 Procedures covered up to overall   The following procedures are covered up to the overall plan limit:
                 plan limit                           In-hospital birth (normal vaginal delivery and C-section)
                                                      Complications arising during maternity journey
                                                      Sterilisation

                 Pre- and postnatal care            Covered up to the out-patient limit

                 Neonatal care                      Cover of up to $5 000 for each person       Cover of up to $20 000 for each             Cover of up to $75 000 for each            Cover is subject to the overall
                                                    every year                                  person every year                           person every year                          plan limit

                 Infertility treatment              No cover                                                                                Cover for diagnostic consultation and      Up to $10 000 for each insurance
                                                                                                                                            tests, subject to the yearly               year and $5 250 for each fertilisation
                                                                                                                                            out-patient limit                          attempt

                 Screening and prevention

                 A defined basket of clinically     Cover of up to $500 every year for certain tests that can detect early warning signs of serious illnesses
                 relevant screening tests

                 Chronic Illness Benefit            Cover for medicine, consultations, pathology tests and basic radiology tests for certain conditions, subject to preauthorisation, clinical protocols and
                                                    the overall plan limit

                 Out-patient benefits

                 Annual out-patient limit           $1 300                                      $2 500                                      $3 000                                     $4 000

                 GP and specialist consultations    Cover for in-person and virtual consultations up to the out-patient limit

                 Prescribed medication              Cover of up to $300 every year              Cover of up to $500 every year              Cover of up to $1 500 every year           Cover of up to $2 000 every year

                 Diagnostic testing                 Diagnostic consultations, blood tests, X-rays, scans and other diagnostic tests, such as COVID-19 PCR tests, are covered up to the out-patient limit and are subject
                                                    to specific protocols. Specialised radiology (such as MRI and CT scans) is subject to preauthorisation and the out-patient limit

                 Dental care                        $500 for each person every year             $750 for each person every year             $750 for each person every year            $1 000 for each person every year

                 Optometry                          $150 for each person every year             $200 for each person every year             $300 for each person every year            $500 for each person every year

                 Physiotherapy                      $100 for each person every year             $200 for each person every year             $500 for each person every year            Cover up to the out-patient limit

                 Chiropractic                       Cover up to the out-patient limit

PG 8 | Cover options
Health Insurance 2022 - Discovery
Shared-value | Health Insurance | Product platform | Cover options | Healthcare networks | Vitality | Servicing channels

                                                       IN-COUNTRY                                                                              AFRICA ROAMING                          WORLDWIDE
                 HEA L T HCA R E S E R V IC E S                                                                                                (INCLUDING INDIA
                                                       CORE                                       PLUS                                         FROM EAST AFRICA)                       (EXCLUDING USA)

                 Speech and occupational therapy       Cover for 50% of the consultation fee, limited to $1 500 every year

                 Immunisations for adults              Cover for a defined list of immunisations, segmented according to appropriate age groups, subject to the out-patient limit
                 and children

                 Out-patient consultations with a      Cover for up to 80% of the total fee,       Cover for up to 80% of the total fee,       Full cover for up to 10 consultations   Full cover for consultations,
                 psychologist or psychiatrist          limited to 5 consultations                  limited to 10 consultations                                                         limited to $1 000 every year

                 Cover for prosthetics and external    Cover up to $1 200 for each person,         Cover up to $3 000 for each person,         Cover up to $4 500 for each person,     Cover up to $5 000 for each person,
                 devices or equipment                  every year                                  every year                                  every year                              every year

                 Medical second-opinion services

                 Access to a medical second            Limited to one usage for each person, every year, subject to preauthorisation, clinical protocols and the overall plan limit
                 opinion from the VHI South African
                 Specialist network or The Clinic by
                 Cleveland Clinic

                 Medical evacuation

                 International and cross-border        Not covered                                                                             Cover of up to $50 000                  Cover up to the overall
                 emergency evacuation and                                                                                                                                              plan limit
                 treatment

                 Compassionate travel                  Not covered                                                                             An individual accompanying the          Cover up to the overall
                                                                                                                                               person being evacuated will have        plan limit
                                                                                                                                               access to up to $150 every day,
                                                                                                                                               limited to 10 days

                 Repatriation of mortal remains        Not covered                                                                             Cover up to the overall plan limit

                 Vitality

                 Access to Vitality                    Access to the world’s leading behavioural science-based wellness programme

PG 9 | Cover options
Health Insurance 2022 - Discovery
Shared-value | Health Insurance | Product platform | Cover options | Healthcare networks | Vitality | Servicing channels

              Access to extensive healthcare
              networks across Africa

                                                                                                                                                                                  Tunisia

              Vitality Health International has partnered with Medical Services
              Organisation International (MSOI) to deliver health insurance in
              Africa, and to manage and expand healthcare networks available to                              Senegal
              clients. MSOI, a subsidiary of Discovery Health (Pty) Ltd, is a leading
              provider of integrated healthcare risk management and third-party
              administration services and solutions to over a million beneficiaries                                                                    Nigeria

              throughout Africa.

              MSOI has direct access agreements with over 6 000 healthcare                                                Nigeria
              providers (hospitals, clinics, pharmacies, laboratories and individual
                                                                                                                                                                    DRC
              doctors in 51 countries across Africa, with a dedicated network                                                                                                               Kenya
              management team who maintains relationships and assesses the
              capabilities and quality of these providers, to ensure optimal service
                                                                                                                                                Democratic
              delivery to members. MSOI has 7 offices with 85 full-time staff
                                                                                                                                                Republic of
              members operating across the African continent.                                                                                   the Congo

                                                                                                        51
                                                                                                        countries with direct
                                                                                                        provider agreements*

                                                                                                        7
                                                                                                                                                                                eSwatini
                                                                                                                                                     South Africa

                                                                                                        MSOI offices across Africa

                                                                                                        *
                                                                                                         No direct provider agreements in the
                                                                                                        Central African Republic and Guinea

PG 10 | Healthcare networks
Shared-value | Health Insurance | Product platform | Cover options | Healthcare networks | Vitality | Servicing channels

                                                                   Vitality
                                                                   Shared-value insurance that
                                                                   motivates your employees
                                                                   to get healthier

PG 11 | Vitality
Shared-value | Health Insurance | Product platform | Cover options | Healthcare networks | Vitality | Servicing channels

                   The nature
                                                                    The nature of mortality and morbidity risk               Individual behaviour plays a fundamental role
                                                                    is changing, with lifestyle choices increasingly         in the disease burden faced by society globally.
                                                                    impacting mortality and morbidity risk. Building         A healthcare wellness paradox exists in that

                   of risk is
                                                                    on research from the World Health Organization           healthcare is typically over-consumed while
                                                                    and Oxford Health Alliance, The Vitality Institute       wellness is under-consumed. For the
                                                                    has identified four modifiable behaviours – tobacco      insured consumer, the benefit of healthcare

                   behavioural                                      use, poor nutrition, low physical activity and
                                                                    alcohol abuse – that are significant contributing
                                                                    factors to the rising burden of non-
                                                                                                                             is immediate, while the price is hidden.
                                                                                                                             Conversely, the price of wellness is immediate,
                                                                                                                             while the benefit accrues over the long term.
                                                                    communicable diseases (NCDs) and
                                                                                                                             The knowledge that much of the prevalence
                                                                    cause 60% of deaths worldwide.
                                                                                                                             and cost of lifestyle diseases are attributable
                                                                    Although the burden of disease in Africa continues       to behaviours that can be modified,
                                                                    to be dominated by infectious diseases, countries        has resulted in international interest in
                                                                    on the continent are undergoing a demographic            mechanisms that can be used to alter poor
                                                                    transition, leading to the increasing                    lifestyle behaviours and drive healthy choices.
                                                                    prevalence of NCDs. NCDs are set to overtake
                                                                    communicable, maternal, neonatal, and
                                                                    nutritional diseases combined as the leading
                                                                    cause of mortality in sub-Saharan Africa by 2030.

                       4
                       MAIN RISK   Low physical      Unhealthy diet                  Smoking                Excess alcohol
                       FACTORS       activity

                       4
                       NCDs
                                   Respiratory
                                     disease
                                                         Diabetes                    Cancer                Cardiovascular
                                                                                                              disease
                                                                                                                                                60%of all deaths
                                                                                                                                                    worldwide

PG 12 | Vitality
Shared-value | Health Insurance | Product platform | Cover options | Healthcare networks | Vitality | Servicing channels

                   Vitality changes behaviour and                                                                                          Vitality is a behavioural wellness solution that helps
                                                                                                                                           millions of people around the world get healthier by
                                                                                                                                           giving them the tools, knowledge, access and incentives

                   improves health outcomes                                                                                                to improve their health. The programme is based
                                                                                                                                           on sound clinical and behavioural science research,
                                                                                                                                           and focuses on tackling key areas shown to stem the
                                                                                                                                           rise of NCDs – early detection and health screening,
                                                                                                                                           and behaviour modification. Vitality has scientifically
                                                                                                                                           proven that members who actively engage in the
                                                                                                                                           programme live longer and have lower healthcare
                                                                                                                                           costs than non-Vitality members. Similarly, through
                                                                                                                                           improving health outcomes for individuals, Vitality
                                                                                                                                           positively impacts employee productivity
                                                                                                                                           and performance.
                   IMPROVING HEALTH OUTCOMES
                   FOR INDIVIDUALS

                                                                                    IMPROVING EMPLOYEE PRODUCTIVITY

                   17%              lower healthcare costs                          AND PERFORMANCE
                                    for engaged members
                                                                                    Productivity                                         Service defects

                   37%
                                                                                    ˜7 days                                              23%
                                    lower COVID-19 mortality risk
                                    for engaged members

                                                                                    Additional time due to lower                         Fewer defects recorded by engaged
                   Average life expectancy
                                                                                    presenteeism for Gold and Platinum                   staff compared to staff without Vitality
                                                                       87 yrs
                                                                                    status employees
                                                      81 yrs

                                       67 yrs

                       63 yrs
                                                                                    Work engagement                                      Sick days

                                                                                    35%                                                  46%
                     South Africa    South Africa,    Vitality      Gold and
                                                                                    Greater work engagement for engaged                  Lower number of sickness days for
                                       insured       members     Diamond Vitality   staff relative to unengaged                          engaged staff versus staff without Vitality
                                      population                    members

PG 13 | Vitality
Shared-value | Health Insurance | Product platform | Cover options | Healthcare networks | Vitality | Servicing channels

                   Global success of Vitality
                   The World Health Organization (WHO) recognises physical inactivity as the fourth leading risk factor for premature death with physically inactive people
                   having a 30% higher risk of premature death due to chronic diseases of lifestyle. Vitality research also shows that an increase in physical activity leads to an
                   immediate increase in other healthy lifestyle behaviours. The fact that physical activity triggers a healthy lifestyle makes it essential to incentivise physical
                   activity in the short and long term.

                   VITALITY ACTIVE REWARDS: A SOLUTION TO GLOBAL                                                                    GLOBAL VITALITY EXPERIENCE
                   PHYSICAL INACTIVITY

                   Vitality Active Rewards brings technology and behavioural science together to increase physical
                   activity. The programme tracks physical activity, including steps, heart rate, calories and gym
                   visits, through linked wearable devices. Participants receive varying rewards for achieving
                   personalised physical activity goals to encourage positive and ongoing behaviour change.
                   Participants on Vitality Active Rewards also have a higher likelihood of taking up other health                         30                 150+                  100K+                    100M
                   and wellness activities, such as healthier nutrition and regular preventive screenings.
                                                                                                                                         VITALITY             PROGRAMME               NEW DEVICES                HEALTHY
                   Since the introduction of Vitality Active Rewards, the programme has expanded globally to 30                          MARKETS               PARTNERS                LINKED PER               ACTIVITIES
                   markets across 6 continents, with over 20 million members globally receiving micro-rewards for                                                                        MONTH                 PER MONTH
                   engaging in physical activity. A cohort analysis has shown that members’ activity levels increase
                   significantly after activating Vitality Active Rewards.

                          Exercise days per month                            Proportion of high-intensity workouts

                                      +24%                                                      +9%

                                                      7                                                   40%
                            5.6

                                                                                       37%

                      Before Vitality           After Vitality                    Before Vitality      After Vitality
                      Active Rewards           Active Rewards                     Active Rewards      Active Rewards

                    Source: An analysis of the impact of Vitality Active Rewards Discovery                                          As of June 2021

PG 14 | Vitality
Shared-value | Health Insurance | Product platform | Cover options | Healthcare networks | Vitality | Servicing channels

                   Expanding
                   Vitality, the
                   world’s leading
                                                                                                           VITALITY HEALTH CHECK                                                 WEEKLY PHYSICAL
                                                                                                           The Vitality Health Check includes checks on blood                    ACTIVITY TARGET

                   behaviour-
                                                                                                           pressure, blood glucose, cholesterol and weight,                      Employees receive a personalised weekly physical
                                                                                                           to identify the risk of developing chronic lifestyle                  activity target in the Vitality app. They can track
                                                                                                           diseases.                                                             their physical activity using a compatible fitness

                   change
                                                                                                                                                                                 device and see their progress towards the weekly
                                                                                                                                                                                 goal in the app.
                                                                                                           VITALITY

                   programme,
                                                                                                           HEALTH REVIEW
                                                                                                           The Vitality Health Review is an online                                    Im
                                                                                                                                                           th                           pr
                                                                                                                                                         al

                   in Africa
                                                                                                           assessment that measures aspects

                                                                                                                                                                                         ov
                                                                                                                                                     e
                                                                                                           of wellness, including exercise,

                                                                                                                                                    h

                                                                                                                                                                                           e
                                                                                                                                                 ur
                                                                                                           nutrition and stress. It is a quick

                                                                                                                                                                                             yo
                                                                                                                                               yo

                                                                                                                                                                                                u
                                                                                                           and easy way to find out how

                                                                                                                                                                                               r he
                                                                                                                                             Know
                                                                                                           healthy employees are and
                   Vitality incentivises and rewards clients for                                           helps identify lifestyle factors

                                                                                                                                                                                                a lt h
                   healthy living through three simple steps:                                              that may put them at risk
                                                                                                           of developing health problems.
                   1 | Know your health
                   2 | Improve your health
                   3 | Enjoy the rewards

                   Each step has a particular focus in getting
                   employees to live a healthier life, and is
                                                                                                                                                                  Enjo            s
                   accessed through the Vitality app.                                                                                                                 y the reward

                    Bronze                   Silver                   Gold                  Platinum                             WEEKLY REWARD                                     DISCOUNTED
                    status                   status                  status                  status
                                                                                                                                 FOR GETTING ACTIVE                                FITNESS DEVICE
                      0                     10 000                   20 000                  25 000                              Employees who achieve their weekly                Employees can get rewarded with
                    points                  points                   points                  points                              physical activity goals can earn reward coins     a 25% discount on a Garmin fitness
                                                                                                                                 to spend in the Vitality Mall at a range of       device to help them get active and
                   As employees engage with the Vitality programme, they earn Vitality points for
                                                                                                                                 exciting reward partners.                         achieve personalised fitness goals.
                   completing specific activities. The points reflect the relative value of the activity
                   to the employees’ health. The Vitality points accumulate towards a Vitality status
                   – ranging from Bronze to Platinum – as a measure of the employees’ health.

PG 15 | Vitality
Shared-value | Health Insurance | Product platform | Cover options | Healthcare networks | Vitality | Servicing channels

                   Know your health
                   Employees can take a proactive approach to learn about their health by going
                   for various check-ups and assessments, and earn Vitality points when they do.

                   ONLINE                                                 VITALITY                                               FURTHER
                   ASSESSMENTS                                            HEALTH CHECK                                           CHECKS
                   Vitality Health Review                                 Do a Vitality Health Check at your                     Advanced health screenings
                   This assessment measures many                          local GP or clinic to identify chronic                 and vaccinations
                   aspects of wellness, including                         diseases or an elevated risk of                        Earn 1 000 Vitality Health points
                   exercise, nutrition and stress.                        developing a lifestyle-related disease.                for completing the necessary
                   It provides a view of your current                     ....................................... 5 000 points   advanced health screening tests
                   health and helps to identify lifestyle                                                                        and vaccinations, administered by a
                   factors that may put you at risk                       Your Vitality Health Check                             healthcare provider.
                   of developing health problems.                         includes:
                                                                                                                                 Earn up to 3 000 Vitality Health points
                   ....................................... 2 000 points   01 | Blood pressure
                                                                                                                                 when you upload confirmation via the
                                                                          02 | Blood glucose
                                                                                                                                 Vitality app.
                   Complete the non-smoker’s                              03 | Cholesterol
                   declaration                                            04 | Weight assessment                                 ....................................... 3 000 points
                   Earn points for declaring your
                                                                          Earn an additional 2 500 points for
                   smoking status............. 1 000 points
                                                                          each measure in the healthy range.
                                                                          All Vitality Health Check points will
                                                                          be allocated once you upload your
                                                                          results via the Vitality app.

PG 16 | Vitality
Shared-value | Health Insurance | Product platform | Cover options | Healthcare networks | Vitality | Servicing channels

                   IMPROVE YOUR HEALTH
                                                                                                                                                                      25% OFF
                   Get active and get rewarded                                                                                                                        a Garmin
                   with Vitality                                                                                                                                       fitness
                   Vitality encourages employees to get active and rewards them for doing so. Employees can earn weekly coins for
                   reaching weekly personalised exercise goals and spend them on a range of exciting products in the Vitality Mall.
                                                                                                                                                                       device

                              GET ACTIVE                       ACHIEVE FITNESS GOAL                                 GET REWARDED
                      Track your physical activity through       Personalised, dynamic physical                  Vitality members earn weekly
                           linked wearable devices.               activity goals are set weekly                   rewards for achieving their
                                                                 and are delivered through the                        physical activity goals.
                                                                       Vitality platform.

                                                                                                                                                                       TO HELP EMPLOYEES
                                                                                                                                                                           GET ACTIVE

                                                                                                                                                                    Vitality members will receive an upfront
                                                                                                                                                                   	
                                                                                                                                                                    25% discount when purchasing a new
                                                                                                                                                                    Garmin device.

                                                                                                                                                                   	
                                                                                                                                                                    Members need to follow the steps on
                                                                                                                                                                    the Vitality app and place their order
                                                                                                                                                                    online. The discount will be applied
                                                                                                                                                                    at point of purchase and will be
                                                                                                                                                                    subject to annual limits.

                                                             AVAILABLE FROM 1 FEBRUARY 2022                                                                       AVAILABLE FROM 1 APRIL 2022

PG 17 | Vitality
Shared-value | Health Insurance | Product platform | Cover options | Healthcare networks | Vitality | Servicing channels

              Seamless servicing capability for members
              To provide a seamless servicing experience, all employees will have access to 24/7 telephonic and email support in both English and French.
              In addition, there will be a range of digital self-service and healthcare functionalities on both the Vitality Health International website and app
              to put employees fully in touch with their healthcare cover.

                         View health insurance                                                                                                                    Conduct virtual
                         benefits, cover,                                                                                                                         consultations with
                         and authorisations                                                                                                                       in-network healthcare
                                                                                                                                                                  practitioners

                         Submit requests for key
                         services such as Travel                                                                                                                  Access digital
                         for Treatment services                                                                                                                   membership card

                                                                                                                                                                  Link to Vitality app
                         Search for healthcare
                         practitioners and book
                         virtual consultations

                                                                            www.vitalityhealthinternational.com

                                            ONBOARDING, QUOTES & CONTRACTS                                       GENERAL QUERIES
                                            Onboarding@vitalityhealthinternational.com                           HealthInsurance@vitalityhealthinternational.com

PG 18 | Servicing channels
Vitality Health International Health Insurance is provided by Vitality International Health Insurance Company, registration number 134817C, and is administered by Discovery Health (Pty) Ltd, registration number 1997/013480/07,
an authorised financial services provider. Terms, conditions and limits apply.

The Clinic by Cleveland Clinic online medical second opinion programme is brought to you by Discovery Health (Pty) Ltd; registration number 1997/013480/07, an authorised financial services provider and administrator of medical schemes.

This document is only a summary of the key benefits and features of Vitality Health International, awaiting formal regulatory approval.

                                                                                                                                                                                                                        RCK_82721DH VHI_29/09/21_V17
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