Discovery Health 2013 Speaker name. Core purpose and ambition Core purpose Ambition An insurance organisation comparable to the best in the world that

Discovery Health 2013Speaker name

Core purpose and ambition

Core purpose Ambition

An insurance organisation comparable to the best in the world that is renowned for

excellence, innovation and financial strength. In addition, the organisation must be a powerful

force for social good

Make people healthier andenhance and protect their lives

The Discovery Health Medical Scheme offering

2Choose from the widest ranges of plans to suit your medical need and budget

3Enjoy extensive cover and support and access to the latest medicines and technologies 4Access a member journey that is exceptional

and intuitive

5Improve your health through Vitality

1Discovery Health Medical Scheme offers you unequalled financial security

You have complete peace of mind that there is sufficient reserves to pay your claims

Source: Global Credit Rating Reports

2007

2008

2009

2010

2011

Boni

tas

Med

ihel

p

Med

shie

ld

Fedh

ealth

Mom

entu

m

Discovery Health Medical Scheme

Next 5 largest open schemes

4,276,376,000.00

5,279,848,000.00

6,070,680,000.00

6,847,076,000.00

7,419,231,000.00

2,690,104,000.00

1,204,502,000.001,019,785,000.00882,186,000.00519,914,000.00

Member reserves (R’ billion)

*Under curatorship** Rating watch- Source 2012 Global Credit Rating Reports

A-**Resolution

A+Momentum

A+*Sizwe

AA-Liberty

AA-*Medshield

AA-Bonitas

AA- Fedhealth

AA- Medihelp

AA+Discovery

GCR RatingMedical Fund

Global Credit Rating

Discovery has been awarded the highest possible rating for 12 consecutive years


1Discovery Health Medical Scheme offers you unequalled financial security


and intuitive


2Choose from the widest ranges of plans to suit your medical need and budget

You have a choice of plans to suit your medical need

Your choices within the KeyCare Series

KeyCare Hospital Network

Critical hospital care

Plannedhospital care

Chronic Illness Benefits

Day-to-day medical care

Screening and prevention

KeyFIT

KeyCare Hospital Network for emergencies and trauma;

KeyCare Access Hospital Network* for child birth and care of newborns

KeyCare Hospital Network

KeyCare Hospital Network Contracted state hospitals KeyCare Hospital Network

KeyCare Plus KeyCare Access KeyCare Core

Cover for antenatal services and specialist consultations

*A network of 32 private hospitals

You have a choice of Classic Comprehensive Zero MSA

Member

funds

Vitality

Above

threshold

benefit

Screening & Prevention

Vitality

Chronic Illness Benefit

Hospital Benefit

Classic Comprehensive Zero MSA

Plan design delivers security and flexibility:

Security of unlimited cover in-hospital

Security of comprehensive cover for chronic medicine

Security of day-to-day cover above threshold

Flexibility to self fund day-to-day care below threshold

Security of extensive private healthcare cover in-hospital and for chronic medicine, but with flexibility to self fund for day-to-day healthcare needs without an MSA

You can choose from one of our 21 plan options

Monthly premiums for a principal memberEx

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Clas

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Zero

MSA

Clas

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Prio

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Save

r

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Pri

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aver

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Sav

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aver

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aver

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Core

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KeyC

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Plus

Ban

d (8

301

+)

KeyC

are

Plus

Ban

d (6

251

- 830

0)

KeyC

are

Plus

Ban

d (0

- 6

250)

KeyC

are

Core

Ban

d (8

301

+)

KeyC

are

Core

Ban

d (6

251

- 830

0)

KeyC

are

Core

Ban

d (0

- 6

250)

KeyC

are

Acce

ss B

and

(8 3

01+)

KeyC

are

Acce

ss B

and

(625

1 - 8

300)

KeyC

are

Acce

ss B

and

(3 9

01 -

6 25

0)

KeyC

are

Acce

ss B

and

(0 -

3 90

0)

Extensive day-to-day Intermediate day-to-day Hospital Low income

R 0

R 500

R 1,000

R 1,500

R 2,000

R 2,500

R 3,000

R 3,500

R 4,000

New

New

New New

New


1Discovery Health Medical Scheme offers you unequalled financial security 2Choose from the widest ranges of plans to

suit your medical need and budget

4Access a member journey that is exceptional and intuitive


3Enjoy extensive cover and support and access to the latest medicines and technologies

You will have the best access to medical cover and support both in-and-out of South Africa

Cover for medical emergencies while travelling overseas

International Travel Benefit

Evacuation to SA for emergencies in Africa

Africa Benefit

Trauma Support

Emergency assistance

Make your stay in hospital more comfortable

Medical Liaison ManagersEmergency

HealthID™

At Discovery Health you will receive the most extensive care and support for serious illnesses

Case study: The Discovery Health Oncology Benefit

Of oncology claims are covered in full

Discovery Health members receiving treatment for cancer

Annual spend from the oncology benefit

30 000

R940m

99.8%

1. Oncology cover is unlimited on all plans

2. Ongoing care and support through Oncology Liaison Managers and Cancer Coaches

GP consultationsUnlimited visits on:

Executive

Comprehensive

Priority

Defined number of visits:

Saver

Day-to-day generic medicines

(schedule 3 and above)

Unlimited on:

Executive

Classic Comprehensive

Classic Delta Comprehensive

PathologyUnlimited on:

Executive

Classic Comprehensive

Classic Delta Comprehensive

Classic Priority

The Insured Network Benefit in 2013

+ + =Network of independent pharmacies

58% of average spend in Self Payment Gap is covered by the Insured Network Benefit

The Insured Network Benefit in 2013

Enjoy therewards

Earn up to 25% cash back

Shop at Dis-Chem

Swipe your ChroniCare card

Complete aVitality Check

At a pharmacy in the Vitality Wellness Network

or a Wellness Day

ActivateChroniCare

Receive an activation pack

If you have a chronic condition, you can save up to 25% on ChroniCare products at Dis-Chem pharmacies

You can save up to 25% on your medication through the MedSaver benefit at Clicks pharmacies

Enjoy therewards

Earn up to 25% cash back

Activate MedSaver

Go towww.discovery.co.za

to activate

Visit aClicks store

Purchase schedule 1 and 2 medicines

Complete aVitality Check

At a pharmacy in the Vitality Wellness Network

or a Wellness Day

You can have your medication delivered to your door: MedXpress

1. Communication of full cover options

2. Centralised storage of members’ details

3. Dispensing fees charged at or below Discovery rate

4. Members can receive medication while travelling

5. Send us your script: [email protected]

6. Phone us to place your order: 0860 99 88 77

mailto:[email protected]

Upfront discount on frames and lenses

Upfront discount

You enjoy preferential discounts on Optometry

20%Upfront discount

You can save up to 20% on your frames and lenses through our optometry network

Extensive network of optometrists

Preserve your Medical Savings Account and extend your rand limit for optometry

The scale of operations

Every working minute…

3New policy applications

to the scheme

R 225 000Paid out for claims

65 Calls handled

342Claims processed

1 Hospital Admissions authorised

128Emails received




3Enjoy extensive cover and support and access to the latest medicines and technologies


4Access a member journey that is exceptional and intuitive

We offer you assistance to ensure you get the most out of your benefits

Carry an electronic membership card

Personal health records

Take a photo of a claim and send it to us

Order door-to-door medicine delivery

Check medicine prices and alternatives

Track claims and medical spend

Request a document

View information on hospital procedures

Translate cover into one of five languages

Watch our educational videosslide to unlock

As a Discovery Health member, your doctor has access to tools to guide you through the healthcare system

Electronic health records Chronic Illness Benefit application and approval

Benefit details and cover

Electronic referralsEmergency HealthID

Electronic prescriptions direct to your pharmacy

Discovery Health members’ unique QR code gives emergency personnel secure access to essential information in an emergency.

Refer Discovery Health members to another healthcare professional by using the

electronic referral tool.

Prescribe medicine for chronic and acute conditions using HealthID.

Access Discovery Health members’ full electronic health record, including details of previous doctor and hospital visits, previously prescribed medicines, blood test results as well as health measures.

View Discovery Health members’ personal and

benefit information.

Complete an electronic Chronic Illness Benefit application form with the required information and validation built into the electronic process.





and intuitive


The Vitality program drives and rewards healthy behaviour

Earn Vitalitypoints for doing

various healthassessmentsto help you

understandyour current

healthy statusand how toImprove it

Vitality makes livinga healthier lifestyle

easier, with savingsand rewards

for using ourpartners

As you get healthier, earn Vitality points and build up your Vitality status you will

enjoy greater rewards

Vitality makes it easy for employees to improve their health

HealthyFoodTM

UP TO 9 000POINTS P.A

Bluestatus

Bronzestatus

Silverstatus

Goldstatus

Diamondstatus

Complete online health assessments at www.discovery.co.za

MENTAL WELLBEING ASSESMENT

2 500 POINTS

NON-SMOKER DECLARATION

5 000POINTS

ONLINE FITNESS ASSESSMENT

1 000POINTS

VITALITYHEALTH REVIEW

2 000POINTS

HIV TEST

5 000POINTS

Perform health checks

PROSTATE SCREENING /

MAMMOGRAM

2 500 POINTS

NUTRITION ASSESSMENT

5 000POINTS

FITNESS ASSESSMENT

UP TO 7 500POINTS

Gain points from living a healthy lifestyle

FITNESS POINTS

UP TO 15 000POINTS P.A

VITALITY CHECK

UP TO 14 000POINTS

Improve your health: Enjoy great savings at fitness partners

Main member and spouse save up to 80% on the monthly rate at Virgin Active or Planet Fitness and all dependants 18 years and older save 50%. Each member must pay a card fee, an activation fee of R745 and the monthly rate.

1. Gyms and health clubs

3. Outdoor fitness activities 4. Fitness monitors and smartphones

80% saving on a year’s membership at

Run/Walk For Life

Earn Vitality points for a 9- or 18-hole round of

golf.

Earn up to 5 000 Vitality points for a timed sporting

event

Earn Vitality points when you use a web-enabled fitness monitors and smartphones

2. Make healthier lifestyle choices

Save as much as 80% when you join either Allen Carr’s Easyway or Smokenders.Earn 5 000 Vitality points for being a non-smoker.

Save 30% at Weigh-Less or Weight Watchers. Earn 1 000 points for a weight assessment and 4 000 points for reaching your goal weight.

Improve your health: Get rewarded for healthy living

Up to 25% saving on HealthyLiving™ products

Enjoy the rewards:Rewards on local and international flights

• Athens• Amsterdam• Barcelona• Chicago• Edinburgh• Frankfurt• Gaborone• Geneva• Harare• Lisbon• Livingstone• London• Los Angeles• Madrid

• Manchester• Maputo• Mauritius• Miami• Munich• New York• Nice• Paris• Prague• Rome• San Francisco• Tel Aviv• Toronto• Vancouver

• Victoria Falls• Vienna• Windhoek• Zurich

• Bangkok• Beijing• Cairo• Delhi• Dubai• Hong Kong• Istanbul• Kuala Lumpur• Maldives• Moscow• Mumbai• Shanghai• Singapore• Tokyo

14 Emirates international destinations:32 British Airways international destinations:

Blue15%

Bronze20%

Silver25%

Gold30%

Diamond35%

Rewards are enhanced through DiscoveryCard

Cash back based on Vitality Status DiscoveryCard partners

Get up to 20% cash back at partner stores

Blue Bronze Silver Gold Diamond

< 3 yrs 10% 10% 10% 10% N/A

3 - 5 yrs 10% 11% 12% 13% 15%

> 5 yrs 10% 12% 14% 15% 20%

New

New

New

Pick n Pay rewards are enhanced through DiscoveryCard and the Pick n Pay smart shopper programme

smart shopper points multiplier points based on Vitality status, for DiscoveryCard holders

Equates to up to 10% saving on purchases at Pick n Pay. No sub-limits on expenditure apply to the 2012 smart shopper multiplier benefit.

BlueX 2

BronzeX 4

SilverX 6

GoldX 8

DiamondX 10

Choose your cell phone and contract Activate VitalityMobile for R29 a month

Members have access to the complete phone range through Cell C’s footprint

FREE

50%

from 99c

Calls to all VitalityMobile members

Data boost on VitalityMobile packages, with a minimum boost of 100MB

Per minute billing for international calls

Over and above standard contract offer, members will get:

Blackberry Nokia Apple

Samsung LG

Members call each other for free and receive a 50% boost on data

Introducing VitalityMobile in 2013

Enjoy the rewards:Other rewards

Lifestyle rewards

Shopping rewards

Other travel rewards

KeyFIT: Incentives and rewards to enjoy a healthier lifestyle

10% HealthyFoodTM saving 15% HealthyFood TM saving

10% HealthyCareTM saving 15% HealthyCare TM saving

10% HealthyGearTM saving 15% HealthyGear TM saving

Up to15%

Up to15%

Up to15%

Up to10%

5% Clicks Cash-back rewards 10% Clicks Cash-back rewards

RandsR15 000

GiftBAG

R10 000 funeral cover for you R15 000 funeral cover for youand up to three spouses. and up to three spouses.R5 000 funeral cover for up to R7 500 funeral cover for up to five children five children

Get a 5% discount on prepaid airtime from Cell C, Vodacom, MTN and Telkom

The Discovery Baby programme gives new and expectant parents a baby bag filled with useful information, important baby products and discount vouchers

Up to5%

Immediate Reward With Vitality Check

The main member and spouse save 67% on the monthly rate at 46 Virgin Active gyms

Up to67%

A summary of what we offer you as a Discovery Health member

Discovery Health 2013Speaker name

Documents

Discovery Health 2013 Speaker name. Core purpose and ambition Core purpose Ambition An insurance organisation comparable to the best in the world that