Discovery for Corporates 2018 - MAKE YOUR EMPLOYEES HEALTHIER - Your Health and Actuarial Consulting ...
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Discovery for Corporates 2018
MAKE YOUR EMPLOYEES HEALTHIER
This brochure is a summary of select product features from the Discovery Group product houses as well as healthcare products administered by Discovery Health. The content is a tailored summary and does not replace the individual Discovery product guides or the complete Discovery Health Medical Scheme member benefit guide. Please visit www.discovery.co.za for more information.
Discovery
helps you make your
employees healthier
Discovery offers a comprehensive set of solutions
that cater for the health and wellness needs of
your employees. These solutions integrate uniquely
to improve employee health, leading to reduced
absenteeism and presenteeism.
Discovery for Corporates
Employers that invest in the health and wellness of their employees benefit from greater productivity
through lower absenteeism and presenteeism, which benefit employer and employee alike.
A typical employee health solution includes components such as health screening, employee support,
healthcare and wellness programmes, and some reporting on each individual component.
Discovery provides a comprehensive solution in each of these areas, with the unique ability to integrate and
report across all the elements to augment the impact on the health and wellness of employees.
A range of healthcare cover to suit your employees’ needs. Discovery HealthyCompany is our comprehensive
hyCompany Insig
Healthcare
HealthyCompany
lt
Hea hts corporate wellness solution offering health screening,
employee support tools and integrated reporting.
Discovery Health Medical Scheme
Healthcare
lth Medical
ry Hea Sch HealthyCompany Screening
SA’s leading medical aid that provides quality, affordable healthcare supported by industry- c ove em
Dis e
leading digital technology.
re Advanced, clinically validated onsite wellness days,
D
Ca
yCompany C
is
Discovery PrimaryCare and bespoke executive wellness assessments.
y
co
lth
ar
ar
ve
a
m
e
ry
Pri
Ga
H
e
ery
A unique employer-funded product that provides affordable, quality primary healthcare
mpany Sc HealthyCompany Care
pC
Co
v
re
Disco
and emergency healthcare services for your low-income employees
hy
over
en
lt
Hea
Pro-active, integrated employee assistance programme.
ing
Discovery Gap Cover
HealthyCompany Insights
An innovative, cost-effective insurance solution that provides additional financial protection against
unforeseen medical costs.
Dynamic reporting for employees and employer,
le
Vita
H across all elements of corporate wellness.
urp
Vitality is Discovery’s internationally recognised science-based wellness programme, ea re
Wellness
lity
a
yP
lth
which encourages and incentivises healthy behaviours. yCo m pany C
M
lit
ov
ta
e
Vi
Discovery Vitality
Vit Wellness
alit
y Ac lity
Vitality has four distinct wellness products to provide relevant incentivised wellness across your
tive Vita
entire employee base.
Hea
lthyCo hts
mpany Insig
04
HealthyCompany Support your employees at any stage of their health journey
Discovery HealthyCompany is our effective, integrated wellness solution that combines and
augments the world class health and wellness management capabilities of Discovery Health
and Discovery Vitality. The platform provides a focused approach to meet the needs of the
employer, who is concerned with both the effectiveness of interventions, and the return on
investment of such interventions.
HealthyCompany Care
yCompany I nsig
H ealth h ts
Utilising the data from the Screening programme, medical scheme
HealthyCompany Screening
and Vitality, HealthyCompany Care seamlessly stratifies your
ealthyCompany Care employees according to their risk profile in three areas of wellbeing,
You have access to four screening solutions, tailored to the needs of your company: H and proactively triggers relevant interventions, which may include
referral into existing healthcare and wellness programmes offered
• Discovery Traditional Wellness Days
tion and Planni to employees.
• Discovery Premier Mobile Wellness Experience uca ng
Ed
Physical Emotional Financial
• Discovery Premier Wellness Experience Em
ot Wellness Wellness Wellness
l
ca io
• Discovery Executive Wellness si mpany S
o cre
nt
yC
na
y
Ph
High Risk Episode management
e Manageme
l
The results of these screenings are reported to each individual employee, and the aggregated
lth
en
screening results are reported to you as employer. These seamlessly integrate with the
Hea
Prevention
ing
reporting functions provided by HealthyCompany Insights.
Medium Risk Ongoing management
isod
HealthyCompany Insights Wellness
l
Days
ia
Ep
ga Low Risk Prevention
Le
nc
l a
HealthyCompany Insights integrates your company’s data collected from the Screening and Care Fin
programmes and provides employee- and employer-relevant dashboards. These are developed Your employees will have access to a multi-skilled coach to guide
to provide clear and actionable insights for each individual employee, as well as for you as the On t
goin en them every step of the way, through a fully-integrated mobile app.
employer. In addition, your employees’ engagement with healthcare and wellness management g M a na ge m
In addition, HealthyCompany Care offers you a suite of educational
programmes is integrated to dynamically update your company’s risk stratification and content for all employees, including a library of doctor-generated
appropriately adjust the recommendations. advice, assistance with financial planning and access to a consultation
with a legal expert.
Ind g
rtin
HealthyCompany Care will be available from April 2018.
ividu
al employee repo
Inte g
grate rtin
d employer repo
06
Discovery Health Medical Scheme is regulated by the Council for Medical Schemes. Discovery Health Medical Scheme; registration number 1125, administered by
Discovery Health (Pty) Ltd; registration number 1997/013480/07, an authorised financial services provider. Discovery PrimaryCare is administered by Prime Med
Administrators (Pty) Ltd, registration number 2011/001667/07, wholly owned by Discovery Health (Pty) Ltd, an authorised financial services provider. Discovery Gap
Cover and Discovery Supplementary Gap Cover are insurance products. This is not a medical scheme and the cover is not the same as that of a medical scheme. These
policies are not a substitute for medical scheme membership. Discovery Gap Cover is a short-term insurance policy, underwritten by Discovery Insure Ltd, registration
number 2009/011882/06, an authorised financial services provider. Discovery Supplementary Gap Cover is a long-term insurance policy, underwritten by Discovery
Life Ltd, a registered long-term insurer and an authorised financial services provider, registration number 1966/003901/06. This is a separate long-term insurance
product and is not conditional on the purchase of the short-term insurance Discovery Gap Cover product. Product rules, terms and conditions apply.
08
Healthcare We provide a wide-variety of healthcare products that suit your company and your employees’ healthcare needs and provides affordable access to quality private healthcare services. Discovery Health Medical Scheme Discovery Health Medical Scheme offers a choice of 23 plans, designed to provide affordable, comprehensive cover to meet the healthcare needs of all your employees. Each plan is supported by industry-leading digital healthcare technology to give your employees the ability to manage their health plan anywhere, anytime. Discovery PrimaryCare Discovery Gap Cover Discovery PrimaryCare is a unique employer-funded Discovery Gap Cover provides cover for shortfalls product that enables you to provide affordable, on approved in-hospital specialist claims, specific quality primary healthcare and emergency out-of-hospital costs related to an approved hospital healthcare services for your employees who cannot admission, and co-payments on approved cancer- afford membership of a medical scheme.The product related claims. Discovery Supplementary Gap Cover suite offers flexible benefit configurations and offers lump-sum payouts, premium protection and pricing options to cater for the varying needs of your home support to augment cover if diagnosed with a employees and their dependants. severe illness. 09
Discovery Vitality (Pty) Ltd is an authorised financial services provider. Registration number: 1999/007736/07. Terms, conditions
and limits apply. Vitality Move is available to members of schemes administered by Discovery Health (Pty) Ltd.
10Wellness
The Vitality health programme encourages and rewards your employees for living well
through four distinct programmes tailored to the varying needs of your employees.
Vitality
Vitality offers your employees a range of benefits to reduce the cost of living healthy, and a range of rewards
for living well.
Save up to 100% on monthly gym fees at Virgin Active or Planet Fitness with Vitality Active Rewards
Gym Booster
Get up to R3 000 back per family per month for making healthy shopping choices
Enjoy weekly rewards like coffees, smoothies and popcorn for achieving Vitality Active Rewards
fitness goals
Watch movies for half price at Ster-Kinekor, enjoy great travel savings and so much more
Vitality Move Vitality Active Vitality Purple
Vitality Move is available to Designed specifically for young Upgrade to Vitality Purple for
all Discovery Health Medical adults between the ages exclusive Vitality services and
Scheme members and is a of 18 and 30, Vitality Active rewards. Get access to a Discovery
Discovery Vitality programme encourages and rewards your Purple Private Consultant for
that rewards everyone for employees as they get healthier all your Discovery product
taking steps towards a healthy and drive better. and benefit queries.
lifestyle.
Enjoy discounted gym access, Enjoy exclusive rewards like
Activate Vitality Move for FREE to weekly rewards like smoothies, up to 50% off top-of-the-range
win shopping rewards. Members coffees, popcorn or airtime for fitness devices, up to 25% off
can choose to upgrade for R35 per achieving fitness and driving premier bicycle brands or golf
month and get up to R300 back goals. Plus achieve three goals clubs, up to 50% saving at the
on gym, shopping and movies. in a row to earn a surprise reward. Purple Spa Collection and so
much more.
11Discovery
in action
John is a manager in a large manufacturing firm.
He is on a Discovery Health Medical Scheme Classic Saver Plan and is a Discovery Vitality member
HealthyCompany Insights
a n cial
HealthyCompany
n
Screening
Aggregate corporate reporting informs health
ventio
John attends the Discovery Premier Wellness Experience where he is screened to determine how well he is according to three
g
in
dimensions: physical, emotional and financial wellness. and wellness strategy
en
F in
re
Sc
P re
l
na
tio
o
John’s wellness day results show glucose levels which are elevated beyond the desirable range, and that he is under a large Em
t
en
amount of stress. According to the financial wellness assessment, John is not at immediate financial risk, but he could use some
em e
HealthyCompany
c al
ag od
insight into how to ensure that his protection needs are met.
P h y si
s
E
pi
Care
an
Physical | Medium risk: Emotional | High risk: Financial | Low risk: Legal
m
ng
Ongoing management Episode management Prevention g
oin
On-g
r ti
nt
me
ng
po
a g e
Enrolment on a care pathway If John requires legal assistance at any man
rti
re
Up to 6 face-to-face sessions with a Financial education modules enable
with Discovery Health Medical point, he is able to access a legal expert for
po
counsellor or psychologist on-demand learning
e
Scheme and Vitality a consultation
ye
re
th
eal
lo
p
er
r y H m
Discove me e
oy
che al
and wellness
Healthcare
Through John’s Discovery Health Medical Scheme Classic Saver Plan, he is enrolled in the DiabetesCare Programme which
pl
S
provides him access to a GP, unlocks additional funding for allied healthcare services, and gives him access to a monthly Medi c al
y id
u em
and italit iv d
progress dashboard. Since John is also a Vitality member, he is enrolled in a personalised physical activity and weight-loss V I nd te
ry ra
programme through Vitality Active Rewards and Weight Loss Rewards. Discove eg
Int While each employee journey is unique, aggregated
reporting is crucial in providing insight into the risks
HealthyCompany
having the greatest impact on absenteeism and
Insights
John receives a personalised report, as well as access to a dynamic health and wellness dashboard, which ensures that he not
productivity at an organisational level. This view not
only fully understands his risk profile, but can track his progress as he engages with the support tools.
only assists employers in defining their health and
wellness strategy, but should enable measurement
and continuous improvement as well.Provide financial security
for your employees
Discovery Group Risk Discovery Invest Group Retirement Plan
Our Group Risk benefits, referred to as the Group Risk The financial wellbeing of your employees plays an
Life Plan, can be customised to suit the particular needs important role in their productivity. In addition, providing
of employers and employees. Employers can choose attractive retirement benefits helps attract and retain
the amount of protection they want to provide for their employees. Discovery Invest offers you the Group
employees, and the selected cover can be supplemented Retirement Plan, a product that provides a tax-efficient and
with additional cover. Selected benefits are underpinned by rewarding solution for employees in small and medium size
Vitality and HealthyCompany, which allows clients to share enterprises.
in additional rewards and wellness benefits.
Key benefits of the Discovery Group Retirement Plan
• It provides a tax-efficient savings structure
KeyCare Funeral Cover • You have access to a wide range of investment options
• Low costs due to access to Discovery Invest’s unique Fee
Any employees that are on the Discovery Health Medical
PayBack feature
Scheme KeyCare plan, and contribute according to the
lowest income band of that plan, receive a KeyCare Funeral • Enhanced investment values and protection against poor
Plan. This funeral plan is underwritten by Discovery Life. investment returns. If your employees are members
The KeyCare Funeral Plan is automatically included at no of a Discovery Life Group Risk Plan or an individual
cost to your company or to the qualifying employees, in an Discovery Life Plan with Financial Integrator, they will
effort to provide extra financial security to their families in have access to the Group Retirement Plan Investment
the unfortunate event of loss of life. Allocation Booster and the Group Retirement Plan Asset
Protector.
14Group Risk and KeyCare Funeral Cover are brought to you and underwritten by Discovery Life Ltd, an authorised financial
services provider, registration number 1966/003901/06. Discovery Life Investment Services (Pty) Ltd branded as Discovery
Invest is an authorised financial services provider. Registration number 2007/005969/07.
15Discovery
Contact Centre 0860 99 88 77 | www.discovery.co.za
www.discovery.co.za
Discovery Limited. Subsidiaries of Discovery Limited are authorised financial services providers.
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