Eight ways we look after your money: one advisor for all of them.

Medical aid

Discovery Health Medical Scheme covers the costs most households can't absorb alone: hospital stays, chronic conditions, accidents, surgery. If you don't have cover yet, this is usually where to start; if you already do, it's worth reviewing yearly as your life changes.

• Affordability: contributions run around 12% below the industry average.
• 24 plan options, so cover can match your health, lifestyle and budget rather than the other way round.
• AAA credit rating: the only open medical scheme in South Africa to hold one.
• Includes Discovery Pay, discounted Virgin Active / Planet Fitness access, and Vitality Travel rewards.

Life insurance

Beyond a payout on death, Discovery's life plans build in disability, severe illness and income-protection benefits, and reward healthy living with lower effective premiums. Persona helps match the plan to your stage of life:

• Classic & Essential Life Plan: flexible cover for individuals and families.
• Business Life Plan: protects business owners and the business itself.
• Purple Life Plan: for R10 million+ in cover, fully customisable.
• Smart Life Plan: built for under-30s, with premiums back for healthy living.
• Dollar Life Plan: cover that pays out in US dollars.
• Global Education Protector: keeps your children's education funded if something happens to you.
• Offshore specialist: structuring hard-currency life cover for South African and international clients.

Wills & Trusts

Discovery Wills and Trust Services drafts and securely stores your Will at no cost, with professional oversight. The Discovery Estate Preserver then protects your family from the legal and administration costs that come with winding up an estate, so nothing has to be paid out of pocket while things are settled.

• Free Will drafting: professionally drafted and securely stored.
• Fee Indemnity Benefit: covers executor, testamentary trustee and conveyancing fees.
• Liquidity Benefit: a fast payout for funeral costs and other immediate bills.
• Contribution Protector: six months of payments to keep the family covered while the estate is settled.
• Estate duty cover: protects against duty payable when the second spouse passes away.

Investments

Discovery Invest applies the same "reward healthy behaviour" thinking to money: invest longer, invest more, and manage withdrawals responsibly, and your returns improve. Over 280,000 clients and R92bn+ under management, with access to 200+ unit trust funds through a single entry point, local and offshore.

• Up to an extra 2% return a year for healthy, well-managed investing.
• Up to 50% extra retirement income for responsible withdrawals.
• Invest International: access to global fund managers through one account.
• Offshore specialist: structuring rand and hard-currency exposure for South African and international clients.

Retirement funds

Discovery Retirement Funds boost what you and your employer put in, up to 15% extra on transfers and contributions, tied to your engagement with Vitality. The Discovery Living Annuity then gives you flexible, boosted income when you draw it down responsibly.

Car & home insurance

Discovery Insure covers vehicles and homes with claims handled fast, including instant-approval Auto Claims for glass, geyser and electronics, plus Vitality Drive, which pays up to 50% fuel cash back for good driving and adds real safety tech: impact alerts, a phone panic button, and vehicle tracking.

• Purple Plan: for R5m+ in insured assets, with a dedicated service executive.
• Vehicle Warranty: mechanical & electrical cover once the manufacturer warranty lapses.
• Write-off accelerator and retail value booster: better outcomes if a car is written off or stolen.

Business & group risk

For business owners: Discovery Business Insurance covers physical, cyber and reputational risk, plus a free Business Health Check diagnostic. For employers: Discovery Group Risk protects staff and their families with life, funeral, income-continuation and severe-illness benefits, priced down as your team gets healthier.

Vitality & Discovery Bank

Vitality rewards healthy choices directly: up to 25% back on HealthyFood, 75% off gym, 50% off Nike gear. Discovery Bank extends the same idea to money itself: Dynamic Interest Rates, Discovery Miles, and a Vitality Money programme that improves your rates as your financial habits do.