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YOU DESERVE THE BEST
That's why we've chosen Discovery as our service supplier.
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SERVICES
for your every need
Knowing which financial services are the right fit for you is a tall order. To make things easier, we've compiled our various offerings below to better inform you of your options before you commit to a discussion with one of our experts.
SERVICES
Taking You to
the Next Level
#1 - Protect your Financial Interests
Financial Protection: Protect you and your family’s financial wellbeing and future.
Life cover:
Provide financial security for your loved ones for when you're no longer there.
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Disability cover:
Provides you with a lump sum payout which can be used to pay off your debt and provide for the unexpected financial impact of becoming permanently unable to work.
Income Protection:
Insure your greatest asset, your ability to earn an income. While you can't control or predict when illness or injury will impact your life, you can make sure they don’t impact your finances.
Severe illness cover
Provides you with a lump sum payout if you are diagnosed with a serious illness so you can focus on getting better and not worry about your finances.
Medical aid:
From basic hospital plans which will pay for you to receive care at a private hospital in the event that you're hospitalized to comprehensive medical aids which provide cover for GPs, specialists, acute and chronic medication and a range of other benefits.
Gap cover:
Provides protection for the shortfall between what medical professionals and facilities charge and what is covered by your medical aid.
#2 - Maintain and Grow your Wealth
Investment and savings plans
Whether you want to put money aside for a “rainy day” or invest so that the money you work for can be put to work for you, there are a range of investment solutions and funds available to meet your need.
Retirement planning:
Only 1 in 10 South Africans have sufficient money saved to be able to retire comfortably. Retirement annuities provide a vehicle to help South Africans save for their retirement as well as an opportunity to get some extra money back from the tax man.
Discovery Bank:
An innovative banking solution built on leading edge technology and offering a host of value added benefits and perks.
#3 - Health & Lifestyle Management
Vitality:
Vitality is a science-based behaviour change program that helps you keep track of your progress towards a healthier you and rewards you for making better choices with a premium range of health, lifestyle and leisure benefits.
#4 - Short Term Insurance:
Personal Line Insurance
Tailor your Discovery car and home insurance plan to suit your lifestyle. You get innovative service features, rewards and benefits through our plans, which are comprehensive, flexible and affordable, and use world-class technology.
Innovative car insurance:
Market-leading, comprehensive car insurance at highly competitive rates.
Comprehensive Home insurance:
Affordable insurance to fully cover your home contents, buildings, and portable items.
Rewards with Vitality Drive:
Earn up to 50% of your BP and Shell fuel and Gautrain spend back each month and many other rewards for driving well.
Intelligent Technology to keep you Safe:
Get unique safety features through our world-class technology when you activate Vitality Drive, our rewards program.
Comprehensive Vehicle Warranty
Get comprehensive, market-leading cover for 36 critical components of your vehicle in the event of mechanical breakdown or electrical failure.
Unique insurance for the discerning few:
With our Purple Plan, you get comprehensive car and home insurance with tailored features designed for the discerning few.
#5 - Business Assurance:
Business Life Plan:
You've worked hard to ensure the success of your business. Now, Discovery is here to protect it. Discovery's Business Life Plan allows you to select cover for disability, severe illness and death, through a range of comprehensive benefits, ensuring that your business is protected. Our enhanced Business Life Plan provides cost-effective cover that is tailored to specific business needs, while rewarding you for staying healthy. Our unique approach aligns the interests of the business, the insurer, the owner and the life assured - providing personalised protection for you and your business, helping you to grow and protect your legacy.
Buy & Sell Insurance:
The purpose of a buy-and-sell agreement is to provide the surviving co-owners with cash to purchase the interest of a deceased co-owner. According to the agreement, each co-owner takes out life cover on the other co-owners’ lives. The life cover pays out on the death of a co-owner, which funds the purchase of his/her interest by the surviving co-owner(s). Disability cover can also be included to fund the buyout of a disabled owner’s share of the business.
Keyman Insurance:
Key person insurance is a simple, cost-effective solution that provides financial security and certainty for a business in the event of the death or disability of a key person. The business can take out a policy on the life of a key person to cover the business against the expensive replacement costs or to provide cover against a potential loss. The business has the option to insure itself against this risk in a tax-effective manner.
Contingent Liability Business Assurance:
This kind of insurance covers debt. So, for example, a business borrows money from the bank to help cover the initial costs of setting up the business. Likely, one or more of the owners of the business stands as surety for this loan that the business took out. If the owner then passes away, their estate will need to repay that loan. Without this cover, this can obviously place a lot of pressure on the family of the deceased and at the same time, it could take a while to recoup that money. Once a contingent liability policy is in place, if the life assured passes away, an amount is paid out to offset the loan and to relieve any pressure that there may be on the estate.
#6 - Group Benefits for Small, Medium and Large Enterprises
Discovery for Business is a shared-value employer product that offers a full suite of insurance, financial and wellness products for businesses, consisting of employee benefits, risk solutions and integrated corporate benefits with Vitality as the foundation. We use the expertise built in our health, insurance and wellness businesses to contribute to healthier, more sustainable businesses in South Africa. For employers and businesses, our shared-value insurance model helps address the key business risk areas that have the highest potential to improve our society and economy over the long term - the health of our workforce, the financial resilience of individuals and businesses, and the future viability of businesses.
HealthCare
Discovery Health offers a range of healthcare cover products (Gap cover, Flexicare and Healthy company) to suit your needs, including medical scheme cover from Discovery Health Medical Scheme.
Retirement Funds
Discovery Invest offers tailored retirement funding solutions for your employees that can be tailored to suit your unique business needs.
Group Risk
Our Group Risk product offers a range of risk cover benefits that protect your employees and their families against life's uncertainties, while rewarding them for getting healthier.
CONTACT
Let’s Work on your Future, Together.