1. Discovery Health 2013
Speaker name

2. Core purpose and 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 and
enhance and protect their lives

3. The Discovery Health Medical Scheme offering1 2
Discovery Health Medical Scheme offers you unequalled financial security
Choose from the widest ranges of plans to suit your medical need and budget 3 4
Enjoy extensive cover and support and access to the latest medicines and technologies
Access a member journey that is exceptional and intuitive 5
Improve your health through Vitality

4. Member reserves (R’ billion)
You have complete peace of mind that there is sufficient reserves to pay your claims
Member reserves (R’ billion)
Global Credit Rating
Medical Fund
GCR Rating
Discovery
AA+
Medihelp
AA-
Fedhealth
AA-
Medshield
AA-*
Liberty
AA-
Bonitas
AA-
Sizwe
A+*
Momentum A+
Resolution
A-**
Discovery has been awarded the highest possible rating for 12 consecutive years
*Under curatorship
** Rating watch
- Source 2012 Global Credit Rating Reports
Source: Global Credit Rating Reports

5. The Discovery Health Medical Scheme offering1 2
Discovery Health Medical Scheme offers you unequalled financial security
Choose from the widest ranges of plans to suit your medical need and budget 3 4
Enjoy extensive cover and support and access to the latest medicines and technologies
Access a member journey that is exceptional and intuitive 5
Improve your health through Vitality

6. You have a choice of plans to suit your medical need

7. Your choices within the KeyCare Series
KeyCare Plus
KeyCare Access
KeyCare Core
Critical hospital care
Planned
hospital care
Chronic Illness Benefits
Day-to-day medical care
Screening and prevention
KeyFIT
KeyCare Hospital Network
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
Cover for antenatal services and specialist consultations
*A network of 32 private hospitals

8. You have a choice of Classic Comprehensive Zero MSA
Member funds
Vitality
Above threshold benefit
Screening & Prevention
Chronic Illness Benefit
Hospital Benefit
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

9. You can choose from one of our 21 plan options
Monthly premiums for a principal member

10. The Discovery Health Medical Scheme offering1 2
Discovery Health Medical Scheme offers you unequalled financial security
Choose from the widest ranges of plans to suit your medical need and budget 3 4
Enjoy extensive cover and support and access to the latest medicines and technologies
Access a member journey that is exceptional and intuitive 5
Improve your health through Vitality

11. You will have the best access to medical cover and support both in-and-out of South Africa
Africa Benefit
Emergency assistance
Evacuation to SA for emergencies in Africa
Trauma Support
International Travel Benefit
Cover for medical emergencies while travelling overseas
Medical Liaison Managers
Emergency HealthID™
Make your stay in hospital more comfortable

12. Case study: The Discovery Health Oncology Benefit
At Discovery Health you will receive the most extensive care and support for serious illnesses
Case study: The Discovery Health Oncology Benefit
Oncology cover is unlimited on all plans
Ongoing care and support through Oncology Liaison Managers and Cancer Coaches
30 000
Discovery Health members receiving treatment for cancer
R940m
Annual spend from the oncology benefit
99.8%
Of oncology claims are covered in full

13. The Insured Network Benefit in 2013
GP consultations
Unlimited visits on:
Executive
Comprehensive
Priority
Defined number of visits:
Saver
Pathology
Unlimited on:
Executive
Classic Comprehensive
Classic Delta Comprehensive
Classic Priority
Day-to-day generic medicines
(schedule 3 and above)
Unlimited on:
Executive
Classic Comprehensive
Classic Delta Comprehensive + + =
Network of independent pharmacies
58% of average spend in Self Payment Gap is covered by the Insured Network Benefit

14. If you have a chronic condition, you can save up to 25% on ChroniCare products at Dis-Chem pharmacies
Activate
ChroniCare
Receive an activation pack
Complete a
Vitality Check
At a pharmacy in the Vitality Wellness Network or a Wellness Day
Shop at Dis-Chem
Swipe your ChroniCare card
Enjoy the
rewards
Earn up to 25% cash back

15. You can save up to 25% on your medication through the MedSaver benefit at Clicks pharmacies
Activate
MedSaver
Go to
to activate
Complete a
Vitality Check
At a pharmacy in the Vitality Wellness Network or a Wellness Day
Visit a
Clicks store
Purchase schedule 1 and 2 medicines
Enjoy the
rewards
Earn up to 25% cash back

16. You can have your medication delivered to your door: MedXpress
Communication of full cover options
Centralised storage of members’ details
Dispensing fees charged at or below Discovery rate
Members can receive medication while travelling
Send us your script:
Phone us to place your order:

17. You enjoy preferential discounts on Optometry
You can save up to 20% on your frames and lenses through our optometry network
You enjoy preferential discounts on Optometry
Upfront discount on frames and lenses
Extensive network of optometrists
20%
Upfront discount
Upfront discount
Preserve your Medical Savings Account and extend your rand limit for optometry

18. The scale of operations
Every working minute… 3
New policy applications
to the scheme 65
Calls handled
128
s received
342
Claims processed 1
Hospital Admissions authorised R
Paid out for claims

19. The Discovery Health Medical Scheme offering1 2
Discovery Health Medical Scheme offers you unequalled financial security
Choose from the widest ranges of plans to suit your medical need and budget 3 4
Enjoy extensive cover and support and access to the latest medicines and technologies
Access a member journey that is exceptional and intuitive 5
Improve your health through Vitality

20. We offer you assistance to ensure you get the most out of your benefits
Carry an electronic membership card
Track claims and medical spend
Personal health records
Request a document
Take a photo of a claim and send it to us
View information on hospital procedures
Order door-to-door medicine delivery
Translate cover into one of five languages
Check medicine prices and alternatives
Watch our educational videos
slide to unlock

21. 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
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.
Complete an electronic Chronic Illness Benefit application form with the required information and validation built into the electronic process.
Electronic prescriptions direct to your pharmacy
Benefit details and cover
Prescribe medicine for chronic and acute conditions using HealthID.
View Discovery Health members’ personal and benefit information.
Emergency HealthID
Electronic referrals
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.

22. The Discovery Health Medical Scheme offering1 2
Discovery Health Medical Scheme offers you unequalled financial security
Choose from the widest ranges of plans to suit your medical need and budget 3 4
Enjoy extensive cover and support and access to the latest medicines and technologies
Access a member journey that is exceptional and intuitive 5
Improve your health through Vitality

23. The Vitality program drives and rewards healthy behaviour
Earn Vitality
points for doing
various health
assessments
to help you
understand
your current
healthy status
and how to
Improve it
Vitality makes living
a healthier lifestyle
easier, with savings
and rewards
for using our
partners
As you get healthier, earn Vitality points and build up your Vitality status you will enjoy greater rewards

24. Vitality makes it easy for employees to improve their health
Diamond
status
Gain points from living a healthy lifestyle
HealthyFoodTM
UP TO 9 000
POINTS P.A
FITNESS
POINTS
UP TO
POINTS P.A
VITALITY
CHECK
UP TO
POINTS
Gold
status
Perform health checks
Silver
status
HIV
TEST
5 000
POINTS
PROSTATE SCREENING / MAMMOGRAM
2 500
POINTS
NUTRITION ASSESSMENT
5 000
POINTS
FITNESS ASSESSMENT
UP TO 7 500
POINTS
Added diseases mgmt stats and HealthID logo
Bronze
status
Complete online health assessments at
MENTAL WELLBEING ASSESMENT
2 500
POINTS
NON-SMOKER DECLARATION
5 000
POINTS
ONLINE FITNESS ASSESSMENT
1 000
POINTS
VITALITY
HEALTH
REVIEW
2 000
POINTS
Blue
status

25. Improve your health: Enjoy great savings at fitness partners
1. Gyms and health clubs
2. Make healthier lifestyle choices
Save as much as 80% when you join either Allen Carr’s Easyway or Smokenders.
Earn Vitality points for being a non-smoker.
Save 30% at Weigh-Less or Weight Watchers.
Earn points for a weight assessment and
4 000 points for reaching your goal weight.
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.
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 Vitality points for a timed sporting event
Earn Vitality points when you use a web-enabled fitness monitors and smartphones

26. Improve your health: Get rewarded for healthy living
Up to 25% saving on HealthyLiving™ products

27. Enjoy the rewards: Rewards on local and international flights
Blue
15%
Bronze
20%
Silver
25%
Gold
30%
Diamond
35%
32 British Airways international destinations:
14 Emirates international destinations:
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
Bangkok
Beijing
Cairo
Delhi
Dubai
Hong Kong
Istanbul
Kuala Lumpur
Maldives
Moscow
Mumbai
Shanghai
Singapore
Tokyo
Victoria Falls
Vienna
Windhoek
Zurich

28. Rewards are enhanced through DiscoveryCard
Get up to 20% cash back at partner stores
Cash back based on Vitality Status
DiscoveryCard partners
New
Blue
Bronze
Silver
Gold
Diamond
< 3 yrs
10%
N/A
3 - 5 yrs
11%
12%
13%
15%
> 5 yrs
14%
20%
New
New

29. 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
Blue
X 2
Bronze
X 4
Silver
X 6
Gold
X 8
Diamond
X 10
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.

30. Introducing VitalityMobile in 2013
Choose your cell phone and contract
Activate VitalityMobile for R29 a month
Blackberry
Nokia
Apple
Samsung LG
Over and above standard contract offer, members will get:
FREE
Calls to all VitalityMobile members
50%
Data boost on VitalityMobile packages, with a minimum boost of 100MB
from 99c
Per minute billing for international calls
Members have access to the complete phone range through Cell C’s footprint
Members call each other for free and receive a 50% boost on data

31. Enjoy the rewards: Other rewards
Other travel rewards
Lifestyle rewards
Shopping rewards

32. KeyFIT: Incentives and rewards to enjoy a healthier lifestyle
Immediate Reward
With Vitality Check
Up to
15%
Up to
15%
Up to
15%
10% HealthyFoodTM saving 15% HealthyFood TM saving
10% HealthyCareTM saving 15% HealthyCare TM saving
10% HealthyGearTM saving 15% HealthyGear TM saving
Up to
10%
5% Clicks Cash-back rewards 10% Clicks Cash-back rewards
Rands
R15 000
R funeral cover for you R funeral cover for you
and 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
Up to 5%
Gift
BAG
The Discovery Baby programme gives new and expectant parents a baby bag filled with useful information, important baby products and discount vouchers
Get a 5% discount on prepaid airtime from Cell C, Vodacom, MTN and Telkom
Up to
67%
The main member and spouse save 67% on the monthly rate at 46 Virgin Active gyms

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

34. Discovery Health 2013
Speaker name