DISCOVERY 2015.

DISCOVERY 2015

To make people healthier and enhance and protect their lives

Intuitive & accessible
DISCOVERY 2015 Intuitive & accessible

DISCOVERY 2015 The highest levels of financial security in the industry and a full spectrum of plan options to meet your needs and offer excellent value for money Intuitive & accessible

Number of lives covered
AS THE LARGEST MEDICAL SCHEME IN SOUTH AFRICA, DISCOVERY OFFERS YOU STABILITY AND CERTAINTY Number of lives covered

YOU HAVE COMPLETE PEACE OF MIND THAT THERE IS SUFFICIENT RESERVES TO PAY YOUR CLAIMS
Member reserves (R’billion) Global Credit Rating GCR rating Medical Schemes AA+ Discovery Health Medical Scheme AA AA- Medihelp | Fedhealth | Medshield* Bonitas | Momentum A+ Liberty A A- BBB+ BBB BBB- Resolution DHMS has been awarded the highest possible credit rating for 14 consecutive years During 2013, DHMS added more to reserves than the next 9 largest schemes combined Source: DHMS data, 2013 competitor financials; *As at 31 July 2014 *Under review

DHMS overall cover ratio maintained over time
DISCOVERY HEALTH’S NETWORK FOOTPRINT RESULTS IN COMPREHENSIVE BENEFIT COVERAGE DHMS overall cover ratio maintained over time DHMS cover ratio 2013 Executive 99.5% Classic 98.3% 2008 96.8% 2009 96.9% 2010 97.1% Essential 95.3% Coastal 93.4% 2011 97.1% 2012 96.9% 2013 96.9% KeyCare 94.6%

CONTRIBUTION INCREASE FOR 2015 MAINTAINS AFFORDABILITY
Driver Inflation % Comments Tariff for hospitals, healthcare professionals and medicines Maintain benefits Average 6.5% 1 Enhance benefits 2 Demographic and utilisation changes 2.9% - 3.9% Growth 3 Admin and managed care fees Fees paid by the scheme increase by less than CPI, reducing the overall required contribution increase minus 0.4% Overall medical inflation 9% - 11% Headline increase of 9.9%

2015 CONTRIBUTION INCREASE
Series Plan Total contributions Main member + adult + adult + child + adult + 2 children + adult + 3 children Executive 10.9% Comprehensive Classic Comprehensive 9.9% Classic Comprehensive Zero MSA Classic Delta Comprehensive Essential Comprehensive Essential Delta Comprehensive Priority Classic Priority Essential Priority Saver Classic Saver Classic Delta Saver Essential Saver Essential Delta Saver Coastal Saver Core Classic Core Classic Delta Core Essential Core Essential Delta Core Coastal Core KeyCare KeyCare Plus 8.7% KeyCare Access 9.7% KeyCare Core 8.6% Weighted average 9.7% increase

DHMS CONTRIBUTION INCREASES REMAIN THE LOWEST OVER TIME
Contribution increases relative to CPI Average excl DHMS: 4.4%

DHMS CONTRIBUTIONS REMAIN COMPETITIVE IN ALL SEGMENTS
Average contribution rates for a principal member Low income Hospital Limited day-to-day Extensive day-to-day Source: Published contributions for 2015; Assumed that historical differential above CPI maintained in 2015 for other schemes

PLAN OPTIONS TO MEET ALL FINANCIAL NEEDS
Monthly premiums for a principal member

DISCOVERY HEALTH MEDICAL SCHEME OFFERS YOU AN EXTENSIVE PRODUCT PLATFORM
HOSPITAL COVER YOUR MEDICAL SAVINGS ACCOUNT There is no overall limit on any Discovery Health Medical Scheme plan. Members can go to any private hospital on most plans We pay members day-to-day medical expenses from Medical Savings Account on Executive, Comprehensive, Priority and Saver Series. Any unused funds are carried over to the next year CHRONIC ILLNESS COVER INB EXTENDS MEMBERS’ DAY-TO-DA COVER FOR ESSENTIAL HEALTHCARE SERVICES All Discovery Health Medical Scheme plans cover approved medicine for the Prescribed Minimum Benefit conditions. We pay for approved medicines that are on the Schemes medicine list in full Members have access to services such as GP consultations, blood tests, day-to-day cost-effective medicine, maternity costs and durable external medical items from INB from a provider in the DHMS network SCREENING AND PREVENTION ATB FURTHER EXTENDS DAY-TO-DAY COVER All Discovery Health Medical Scheme plans cover approved medicine for the Prescribed Minimum Benefit conditions. We pay for approved medicines that are on the Schemes medicine list in full The Executive, Comprehensive and Priority plans include an ATB Benefit that gives further day-to-day cover once members’ claims add up to a set amount.

A CHOICE OF PLANS TO SUIT ALL YOUR HEALTHCARE NEEDS
Classic Comprehensive Executive 1 1 2 Classic Delta Comprehensive 3 Essential Comprehensive Comprehensive 4 Essential Delta Comprehensive 5 Classic Comprehensive Zero MSA Priority 1 2 3 4 5 Classic Core Classic Delta Core Essential Core Essential Delta Core Coastal Core Saver Classic Priority 1 Essential Priority 2 Core Classic Saver Classic Delta Saver Essential Saver Essential Delta Saver Coastal Saver 1 2 3 4 5 KeyCare KeyCare Plus 1 KeyCare Core 2 KeyCare Access 3

PLAN RANGE I EXECUTIVE PLAN
Unlimited cover in any private hospital, Including ward cover Guaranteed full cover in hospital for specialists on a payment arrangement, and up to 300% of the Discovery Health rate for other specialists Full cover for chronic medicine for all Chronic Disease List conditions; plus some additional chronic conditions, plus access to an exclusive list of brand medicines The highest savings account and unlimited Above Threshold Benefit for your day-to-day healthcare needs Additional cover when Medical Savings Account runs out for GP consultations, preferred medicine, blood tests, maternity costs and some durable external medical items Access to specialised, advanced medical care in South Africa and abroad Cover for medical emergencies when travelling

PLAN RANGE I COMPREHENSIVE SERIES
Unlimited private hospital cover Guaranteed full cover in hospital for specialists on a payment arrangement, and up to 200% of the Discovery Health rate for specialists on Classic Plans and 100% on Essential plans for other healthcare professionals Full cover for chronic medicine for all Chronic Disease List conditions plus some additional chronic conditions A high savings account as well as unlimited Above Threshold Benefit for your day-to-day healthcare needs Additional cover when your Medical Savings Account runs out for GP consultations, preferred medicine, blood tests, maternity costs and some durable external medical items Access to specialised, advanced medical care in South Africa and abroad Cover for medical emergencies when travelling

PLAN RANGE I PRIORITY SERIES
Unlimited cover in any private hospital Guaranteed full cover in hospital for specialists on a payment arrangement, and up to 200% of the Discovery Health rate for specialists on Classic Plans and 100% on Essential plans for other healthcare professionals Full cover for chronic medicine for all Chronic Disease List conditions A savings account and limited Above Threshold Benefit for your day-to-day healthcare needs Additional cover when your Medical Savings Account runs out for GP consultations, blood tests, maternity costs and some durable external medical items Cover for medical emergencies when travelling

PLAN RANGE I SAVER SERIES
Unlimited private hospital cover Guaranteed full cover in hospital for specialists on a payment arrangement, and up to 200% of the Discovery Health rate for specialists on Classic Plans and 100% on Essential and Coastal plans for other healthcare professionals Full cover for chronic medicine for Chronic Disease List conditions A savings account for your day-to-day healthcare needs Additional cover when your Medical Savings Account runs out for GP consultations and maternity costs Cover for medical emergencies when travelling

PLAN RANGE I CORE SERIES
Unlimited private hospital cover Guaranteed full cover in hospital for specialists on a payment arrangement, and up to 200% of the Discovery Health rate for specialists on Classic Plans and 100% on Essential and Coastal plans for other healthcare professionals Full cover for chronic medicine for Chronic Disease List conditions when you use MedXpress Cover for medical emergencies when travelling

PLAN RANGE I KEYCARE SERIES
Screening and prevention Day-to-day medical care Chronic Illness Benefits Planned hospital care Critical hospital care KeyFit Unlimited hospital cover in the KeyCare network of hospitals Guaranteed full cover in hospital for specialists on the KeyCare network, and up to 100% of the Discovery health Rate for other professionals Essential cover for chronic medicine on our list for Chronic Disease list conditions Unlimited cover for medically appropriate GP consultations, blood tests, x-rays or medicine in our KeyCare network on the Keycare Plus and KeyCare Access Plans

THE GUARANTEE OF FULL COVER
Our comprehensive networks of healthcare providers, combined with our unique self-service tools means you can avoid co-payments Use our preferred medicine HOSPITAL CHRONIC COVER DAY-TO-DAY DOCTOR Use our extensive hospital networks 1 2 All Discovery Health members have access to a comprehensive list of medicines which are covered in full. Members are covered in full when they use a network hospital on plans that offer a defined network of hospitals Use a network provider to access the Insured Network Benefit Use a GP or a specialist who we have a payment arrangement with 3 3 Members have access to a broad range of GP and specialist who we have payments arrangements with, which provide full cover both in and out of hospital Members have cover for unlimited GP consultations, blood tests, preferred day-to-day medicine and certain durable external medical items

Save up to 20% on frames and lenses through our optometry network
YOU WILL HAVE ACCESS TO A RANGE OF EXCLUSIVE DISCOUNTS THROUGH DISCOVERY HEALTH’S PARTNERSHIPS HealthyCare Optometry Cryogenics and Optometry network 10% back on over 12,000 HealthyCare items Save up to 20% on frames and lenses through our optometry network Save up to 25% on umbilical cord blood and tissue stem cell cryogenics and preservation with Netcells Biosciences Vitality members get up to 25% back

THE HEALTHYCARE BENEFIT HAS BEEN ENHANCED FOR DHMS MEMBERS
2014 MEDSAVER CHRONICARE Up to 25% cashback on Schedule 1 and 2 medicines 25% cashback on ChroniCare items Available to DHMS members registered for CIB Available to all DHMS members 2015 AND 10% back on over 12,000 HealthyCare items: Over-the-counter medicine Baby care Dental care Eye care Foot care Sun care Clinic services Chronic care Fitness and wellbeing Self care Emergency care Products to stop smoking Vitality members get up to 25% back through HealthyCare

TECHNOLOGY IS PLAYING AN INCREASINGLY IMPORTANT ROLE IN INCENTIVISING AND MONITORING PHYSICAL ACTIVITY Incentives encourage members to increase and maintain physical activity Real-time measurement changes behaviour Members who use these devices are healthier More members reaching steps because of Vitality incentives

FUNDING FOR WEARABLE HEALTH AND FITNESS DEVICES
CLAIM UP TO from day-to-day benefits with 100% accumulation WIDE RANGE OF DEVICES Fitbit Fitbug Jawbone Polar Garmin iHealth Vitality members get up to 25% back through HealthyCare

THE DISCOVERY HEALTH MEDICAL SCHEME OFFERING
Access to extensive care, support and the latest medical technologies when you need it most Intuitive & accessible

YOU WILL HAVE THE BEST ACCESS TO MEDICAL COVER AND SUPPORT BOTH IN-AND-OUT OF SOUTH AFRICA
International second opinion Personal Health Programmes Emergency HealthID HomeCare Quality, home-based care Emergency support Africa Benefit Evacuation to SA for emergencies Trauma support International Travel Benefit Cover for medical emergencies while overseas Medical Liaison Managers

APPROPRIATE BENEFIT DESIGN ALLOWS UNLIMITED COVER IN AREAS WITH GREATEST CLINICAL NEED
Oncology benefit and key metrics Unlimited oncology cover on all plans Access to the latest treatment protocols and technologies Ongoing care and support through Oncology Liaison Managers and Cancer Coaches DHMS members receiving treatment for cancer 98.8% Oncology claimants covered in full R930million Annual spend on oncology benefit Appropriate benefit design allows unlimited cover in areas with greatest clinical need

DHMS unlocks risk benefits to fund access to wellness network
DISCOVERY PERSONAL HEALTH PROGRAMMES FOR MEMBERS WITH DIABETES AND HEART CONDITIONS Discovery Personal Health Programmes leverages all assets within the Discovery Health system to provide better care for members, led by the GP Prescribes Discovery Personal Health Programme and becomes nominated GP The doctor receives increased remuneration Discovery provides an integrated Discovery Personal Health Programme The doctor recommends appropriate interventions DHMS unlocks risk benefits to fund access to wellness network

MEMBER ELIGEBILITY AND ENROLEMENT FOR PERSONAL HEALTH PROGRAMMES
Eligibility Member of DHMS Registered for CIB Diabetes Type 1 and Type 2 Hypertension Hyperlipidaemia Ischaemic Heart Disease Vitality membership not required Diabetes Heart Health Enrolment From 1 January 2015 Accept invitation for Personal Health Programme from Premier Practice GP Self-enrolment with Premier Practice GP

THE SYSTEM IS ENHANCED FOR BOTH THE MEMBER AND THE PREMIER PRACTICE DOCTOR
Access to online lifestyle programme with relevant alerts Additional risk benefits from DHMS Access to comprehensive dashboard to monitor progress Earns additional Vitality points Premier Practice doctor Track and monitor member’s progress in real-time View health metrics that are synchronised with the member’s tracking devices Recommend interventions during consultations Receive increased remuneration BMI Doctor enrols member on Personal Health Programme and provides ongoing management and support

DISCOVERY HOMECARE – TAKING HEALTHCARE TO OUR MEMBERS
Available to mothers who agree to be discharged one day early from hospital Includes cover for venous ulcers, diabetic foot ulcers and pressure sores Cover for dressing, drainage, irrigation, suture removal and vac therapy End of life, palliative care offered in partnership with Hospice Palliative Care Association Post- natal care Wound Care Palliative care Home IV infusions Respite Care A unique, home-based healthcare service that offers members quality care in the comfort of their own home Available in Gauteng in 2015 Provision of short term care services and includes temporary relief for caregivers looking after members healthcare needs Benefits paid for by members Home IV infusion set up and administration of antimicrobials, biologics, IV iron and immunoglobulins

SCHEME FUNDING FOR SECOND OPINION FROM CLEVELAND CLINIC
Giving doctors access to second medical opinions from international healthcare experts, and giving members peace of mind Request has to be from member’s treating specialist for life-threatening and life- changing conditions Available to all DHMS members 50% funded when requested by treating specialist

DISCOVERY 2015 Intuitive & accessible A suite of tools which can fundamentally change the way you experience the healthcare system

DISCOVERY HEALTH MEDICAL SCHEME SCALE OF OPERATIONS
Every working day 1 585 New lives activated on the Scheme 136 Babies born 2 659 Hospital events 46 000 Calls handled Claims processed R106.5 million Paid out in claims

SERVICE IMPROVEMENTS: VOICE BIOMETRICS
The FIRST in our industry in South Africa Voice biometric technology analyses the customer’s voice and compares it to a voiceprint on file Clients no longer need to answer security verification questions Increased level of security

Enhancements to the member app in 2015
THE DISCOVERY MEMBER APP GIVES YOU ACCESS TO YOUR HEALTH PLAN ON THE GO Enhancements to the member app in 2015 Discovery Health on Call Virtual consultations through the member app Paid from day-to-day benefits Book your family doctor appointment online In 2015, Discovery members will be able to book doctor appointments online using the member app

MEDXPRESS PROVIDES A CONVENIENT SERVICE WITH LOWER COPAYMENTS
MedXpress users have numerous benefits which result in greater savings Low dispensing fees No administration or delivery fees Advice on generic substitution to ensure lower or no co-payments Access to more information about treatment or condition A higher proportion of MedXpress users experience no co-payment on chronic medication purchased Over 400 MedXpress orders received per day MedXpress users with no co-pay

MEDXPRESS 2015 | IN STORE PICK-UP
2015 Enhancement Home Work Holiday In-store Doctors Members can opt to pick-up their chronic and acute MedXpress orders in-store In-store option can be selected through both the member app and by calling the call centre Designated stores where orders can be picked up can be found by calling the call centre or on 1 JANUARY 2015

MEDXPRESS AS DESIGNATED SERVICE PROVIDER FOR CORE PLANS
Work Doctors Home Holiday In-store Core plans MedXpress the designated service provider for chronic medication 20% co-payment outside MedXpress New members / CIB registrations – 1 January 2015 Existing CIB registrations – 1 July 2015

DISCOVERY 2015 A comprehensive, integrated wellness offering that will help you understand and improve your health Intuitive & accessible

VITALITY PROVIDES A BEHAVIOURAL SOLUTION TO UNDER-CONSUMPTION OF WELLNESS
Earn Vitality points as you engage to determine your Vitality status PROGRAMME STRUCTURE POINTS STRUCTURE Note: Points double for additional members 18 years and older

VITALITY HAS RECEIVED TREMENDOUS MEMBER ADOPTION AND ENGAGEMENT
1 1,225 members completed a health check every day 70,000 gym workouts every day 32,000 HealthyFood baskets purchased every day In 2013 1 8,500 members watched a discounted movie every day 15 flights per day are filled with Vitality members Members received over R180,000 in cash backs every day

Get up to back on over HealthyLiving items

Up to 25% back on over 12,000 HealthyCare items at:
and Over-the-counter medicine Baby care Dental care Foot care Eye care Sun care Clinic services Chronic care Fitness and wellbeing Self care Emergency care Products to stop smoking Boosted discount applies to preferred partner only. Discount redeemed as partner loyalty card points. MedSaver and Chronicare consolidated into HealthyCare Vitality Health Check Activate 10% Vitality Age 15% 25% at Wellness Days, Clicks, DisChem and other affiliated pharmacies

10% 15% 25% Up to 25% back on over 7,000 HealthyGear items at:
and Apparel Footwear Sports equipment Fitness devices Exercise equipment Boosted discount applies to preferred partner only Vitality Fitness Assessment Activate 10% Online Fitness Assessment 15% 25%

Introducing the DiscoveryCard HealthyLiving Miles Multiplier:
1x 2x 3x 5x 10x Discovery Miles earned on ALL PURCHASES at HealthyLiving partners will be multiplied according to Vitality status HealthyLiving replaces SmartShopper multiplier, Discovery Card HealthyFood cash back and Total Sports cash back

10% 15% ONLINE ACTIVATION ONLINE ASSESSMENT PHYSICAL ASSESSMENT
cash back at both partners 15% cash back at preferred partner cash back at preferred partner Body Composition Assessment (Can be completed as part of the Vitality Health Check or Vitality Fitness Assessment) Online Nutrition Assessment ( Vitality Health Check (Can be completed at a wellness day, Clicks or Dis-Chem pharmacy, or other accredited providers) Vitality Age ( Vitality Fitness Assessment (Can be completed at a biokineticist within the Vitality Wellness Network) Online Fitness Assessment (

IN STORE IDENTIFICATION
New co-branded HealthyGear Card to be used at both partners

VITALITY REWARDS DISCOVERYCARD REWARDS
DiscoveryCard HealthyLiving Miles Multiplier: Applied to ALL PURCHASES at HealthyLiving partners Cash back into nominated account 10x 3x 5x 1x 2x Awarded onto retailer’s loyalty card in the form of points Members must opt-in for Discovery Miles for an annual fee Benefit subject to Discovery Miles terms and conditions Benefit replaces: DiscoveryCard HealthyFood cash back, TotalSports cashback, and Pick n Pay smartshopper multiplier Cash back into nominated account Monthly cash back spend limit per category R2,000 Individual R4,000 Family

Get Healthier with HealthyLiving
Get up to back on over HealthyLiving items MEMBERS LEARN ABOUT THEIR HEALTH 1 MEMBERS SHOP HEALTHILY AT LEADING RETAILERS 2 on over HealthyLiving items HealthyFood Online Nutrition Assessment Body Composition Assessment HealthyCare Vitality Age Vitality health Check HealthyGear Online Fitness Assessment Vitality Fitness Assessment 3 MEMBERS GET EXTRA REWARDS HealthyLiving Miles Multiplier

THE PHYSICAL ACTIVITY LANDSCAPE IS EVOLVING RAPIDLY
gym Pool Big box Tech Outdoor Trail Experiential RACES AND EVENTS Specialised Alternative Yoga GROUP exercise Monitoring And Tracking Wearable Personal Tech

Get Active and make healthier lifestyle choices
Other fitness facilities for earning Vitality points Members receive cash back to get active and earn 150 vitality points for each daily workout OFF GYM CASH BACK ON RACES AND EVENTS CASH BACK AT SPECIALISED FITNESS PARTNERS BACK FROM HEALTHYCARE ON SELECTED DEVICES Manage your Weight Stop Smoking Lose weight Save 30% at Weight Watchers and Weigh-Less Stop smoking Save 80% at Allen Carr’s Easyway

ENJOY THE BEST OUTDOOR RACES WITH TEAM VITALITY
Cash Back for Vitality members on leading cycling and running events around the country

HOW TO ENJOY THE BEST RACES WITH TEAM VITALITY
1 2 3 4 Receive starter pack upon activation Joining Team Vitality Receive cash back Enter a race Activation of benefit online Members pay annual fee: R300 for running R600 for cycling Top 100 events RACE CALENDAR RACE CALENDAR cash back Upon activation members receive Team Vitality Race gear as well as additional vouchers for kit and devices to the value of over R1000. Members will need to register with Athletics Association of South Africa and/or Cycling Association of South Africa online. Registration fee included as part of annual fee on all races in Team Vitality Calendar. Cash paid back on completion of event Members can plan their events using the online calendar Members may select to join both running and cycling and receive the annual license for both sports Starter pack will be couriered to members The full list of events can be found on www. discovery.co.za and is subject to change Earn up to Vitality points on completion of event

ENJOY THE BEST RACES WITH TEAM VITALITY
Top 100 races in the race calendar Discovery 702 Walk the Talk Running events Cycling events 94.7 cycle challenge Two Oceans Marathon Comrades Marathon Discovery World Triathlon Discovery East Coast Radio Big Walk Cape Argus

EXERCISE YOUR WAY WITH VITALITY FIT
Cash Back at premier specialised fitness partners

HOW TO GET VITALITY FIT 1 2 3 4 Activate benefit Buy package
Once off activation fee of R300 paid online or through the call centre Buy package Purchase membership package offered at the facility Log workout to earn Vitality points Receive cash back and Vitality Points Receive your cash backs for getting Vitality Fit with specialised fitness partners Earn 150 Vitality points per workout

Double Vitality points for fitness activities
PERSONALISED WELLNESS JOURNEY THROUGH PREGNANCY AND THE FIRST TWO YEARS FOLLOWING CHILDBIRTH 9 months of pregnancy 270 days Birth to 12 months 365 days 12 to 24 months 365 days TAKE CARE EAT RIGHT GET ACTIVE Online Pregnancy Assessment Flu shot Vitality Nutrition Consultation with Dietician Vitality Pregnancy Consultation with Biokineticist Double Vitality points for HealthyFood Double Vitality points for fitness activities Vaccinations Attend a CPR course Vitality Kids Health Review

Local and international travel
Vitality flights 8 International destinations 31 International destinations 114 International destinations Domestic flights Domestic flights Vitality car rental Vitality members have more than 100 international destinations to choose from Qantas Go Live: Mid 2014

Stay for less in the Vitality Hotel Collection
L’ermitage Franschhoek 15 on Orange Cape Town The Beverly Hills Umhlanga Pumba Private Game Reserve Port Elizabeth Simbambili Game Lodge Kruger National Park The Melrose Arch Hotel Johannesburg and more… Over 500 top hotels, lodges and resorts Blue Bronze Silver Gold Diamond 15% 20% 25% 30% 35% 50% 45% 40% Go Live: June 2014

Enhanced rewards through DiscoveryCard
Get up to 20% cash back at DiscoveryCard partners Be rewarded with bigger and better savings HealthyLiving Miles Multiplier on all purchases at HealthyLiving partner stores 22% cash back with our travel partners The higher your Vitality status, the larger your rewards Earn and spend Discovery Miles

DISCOVERYCARD PRODUCT ENHANCEMENTS
RICH REWARDS FOR BEING HEALTHY 1 Multiply Miles at the same rate at all six HealthyLiving partner stores Multiply Discovery Miles and ALL qualifying spend Available from 1 February 2015 1 EXCITING NEW PARTNER Uber is added as a new DiscoveryCard partner Up to 20% cash back New Uber clients get their first trip free, up to a value of R250 Discovery Insure clients get an additional up front discount of up to 25% off R1 000 limit per month to spend on trips Available from 1 October 2014

DISCOVERY 2015 Discovery Personal Health Programmes
HealthyLiving enhancements Expanded physical activity platform Discovery HomeCare Affordable and sustainable contribution increases Wearable health and fitness devices Intuitive & accessible Occupational and primary healthcare Use digital platforms to expand members’ access to care

SPECIAL OFFER FOR FIRST-TIME JOINERS
Over 1400 hot-spots throughout South Africa FREE DATA Unlimited premium data with AlwaysOn Wi-Fi hotspots across South Africa Choose from over 25 million songs FREE MUSIC Unlimited music with a premium Rdio subscription Train 7 days a week in one of over 100 gyms nationwide FREE GYM Get fit with Free Virgin Active gym membership (including no activation fee) when you join Vitality New principal members only. Excludes KeyCare. Valid 1 October 2014 to 31 March 2015 Benefits expire on 31 December 2015 (or on termination of membership if earlier)

SPECIAL OFFER FOR FIRST-TIME JOINERS
Eligibility First time beneficiaries on DHMS Single beneficiary policies only Member must join DHMS with date of commencement 1 October 2014 – 31 March 2015 KeyCare is excluded FREE DATA FREE MUSIC FREE GYM OCT 2014 NOV DEC JAN 2015 FEB MAR Special offer for first time joiners No activation fee Monthly gym fee payable by member to 31 Dec 2014 Free Rdio; free wi-fi; no activation fee and no monthly gym fee from date of joining Benefits expire on 31 December 2015, or termination of membership if earlier

10 reasons why the best choice is THE DISCOVERY HEALTH MEDICAL SCHEME
The widest range of health plans in the market Vitality The most competitive contributions We help members save on OTC medicines, chronic care items, optometry and stem cell banking We give members the choice of full cover We provide members with life-saving emergency support The Discovery Health Medical Scheme has the highest credit rating We give members access to the most advanced medical care Our technology unlocks the best of care We help members to stay healthy

DISCOVERY 2015

DISCOVERY 2015.

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