Through Integration you can receive an initial premium discount, with the ability to control future premium adjustments by improving and managing your health and financial wellness.
As a member of Vitality or Vitality Active, or as a member of a medical scheme administered by Discovery Health, or as a qualifying Discovery Bank client, you could qualify for the following upfront premium discounts: UPFRONT AND ONGOING PREMIUM DISCOUNTS OF UP TO 42%
Up to 20% discount
If you have a Life Plan, are a Vitality member and have a qualifying health plan from a medical scheme administered by Discovery Health, you qualify for the Health Integrator, which provides an initial premium discount of up to 20%.
Up to 17.5% discount Vitality
If you have a Life Plan and are a Vitality member, you qualify for the Vitality Integrator, which provides an initial premium discount of up to 17.5%. This means that, as a member of Vitality, you can receive a total initial premium discount of up to 40% when combined with your Vitality Rating and Bank Integrator discounts.
Up to15% discount on Vitality Health Check
Through Vitality Rating, qualifying clients automatically receive a premium discount of up to 15% on qualifying benefits. This discount can be maintained based on the results of your key health metrics (body mass index (BMI), cholesterol, blood pressure and blood glucose), which are measured at the start of your policy.
Up to 15% discount with Discovery Bank
If you are the principal or secondary cardholder of a qualifying Discovery Bank account (or if you are the main insured person with a Discovery Card, excluding Blue Discovery Cards), you qualify for an initial premium discount of up to 15%. This means that you can receive a total initial premium discount of up to 42% when combined with other Integrator discounts and the Vitality Rating discount.
If you have a Life Plan and Vitality Active, you qualify for the Active Integrator, which provides an initial premium discount of up to 15%. This means that, as a member of Vitality, you can receive a total initial premium discount of up to 33% when combined with your Vitality Rating and Bank Integrator discounts.
Managing your premium
Each year, we consider your Vitality status and your qualifying health plan claims (if Health Integrated), your Vitality Money status and your average monthly qualifying Discovery Bank account spend (if Bank Integrated) over the previous policy year, to gradually adjust the premium discounts.
Protecting your premium
Discovery provides you with premium certainty through the Maximum Protected Premium, and will stop any Integrator adjustments after you undergo a qualifying claim event. This ensures your life insurance premiums remain affordable, regardless of your health.