So I've been bitching a lot lately on this thread, however, I don't think Discovery is to blame! They communicate their term very well and quite frequently. If you happen to miss a mail/update, we should go onto the website perhaps? Two years ago, the payback from my life cover product paid for two children's private school fees for a year! Why? Because I "worked" "the system. Got the points, did the exercise etc.... I have never paid for an iPod! We have 6 in the the house, yes, six. Why, well Discovery paid for them all! I have gained a lot of benefit from the whole Discovery/Vitality thing. It is not difficult, if you maintain the right lifestyle, to gather maximum points and benefits from Vitality. But the benefits are immense! How do i know this? Well, since the dawn of Discovery and subsequently, Vitality, I was an independent broker One of the products I offered was Discovery. I learnt the system and went out selling the product. The thing is, when it came to a client that I knew would not have the discipline to milk the system, I offered something else. Why, because Discovery offers really good value until you stop looking after yourself! Those clients who I knew would not attend to fitness etc, I would go for the conventional option and they would remain my clients. Those who were keen and motivated etc., to "work the system" I would put on Discovery and there would be no problem. The bottom line is I could have shafted clients and offered Discovery upfront, but would have lost clients very quickly. Usually within the first year or two, or, I could have ensured that I was selling to the correct client! The problem is, Discovery does a very good job at marketing, however, when it comes to the client's understanding of the product, something fails. In my case it was simple. If I failed to inform and get buy-in from the client at inception, there would be comebacks and unhappy clients. In my option, the broker is mostly to blame with the client following on a very close second. The broker's responsibility is to educate their client and ensure that their final selected product is taken out based on an informed decision. It's thee broker's job to ensure that the client is adequately informed! However, surely the client should ensure that they are adequately informed as well? Discovery does what they promise to do!!! Was doesn't happen is the broker informs or educates the client adequately and the client fails to take ownership of the responsibility to ensure that they are taking the right product for them. Sure, Discovery should sort their sh±t out and fix their IT. But frankly, and we are all guilty of this infraction at some point, we should all take ownership of the fact that we took a product or took advantage of an offer that we failed to investigate effectively. Do you read the warranty on your helmet, bike, accessories (how many threads are on this very forum where the terms where not fully read/attended to/ understood?).... Surely a free Apple Watch and the other cr±p Discovery offered us doesn't come free? The fact of the matter is, if we are active and energetic and earn our fitness points etc., the theme not only saves money and therefore keeps our premiums down, but also gathers important information into how their costing system works, based on how often we exercise, our cholesterol level, blood pressure etc. etc. etc. This provides us with a more accurate cost for out medical aid and life cover etc. Make no mistake, the information Discovery gathers from our workouts and health checks is invaluable. They use this data is ways only actuaries will understand and they use this to ensure that not only can they cater properly for the times when we break our collar bone on the trails or hit the clown who is under investigation in and around the cradle for doing dodgy sh±t, but they also do so to ensure that they make a profit. A PROFIT? Surely you don't expect them to work for free? Well, yes, they make a profit from buying us Apple Watches and other nice items via their "super rewarding credit card" and all the other "free stuff" they give us. Why, because by us using all this free stuff, they are able to care for us better, price our care more effectively, offer us "huge discounts".... How? Well, they gather the data they need in order to do so. From where? from the devices and benefits they offer us for free and those that they encourage us to use. for the record, I last sold a Discovery product over three and some change years ago. Since then I have no longer been in the industry and have been a mere consumer of these products. However, my time in this industry has taught me to ensure that i know what I am buying. As result, many of my insurance products still lie with Discovery, and as long as i am in a position to milk their system, they will remain there! The bottom line, after this long winded post which has left me exhausted, is that we should take responsibility for the "deals" we make use of and ensure that we understand what is required of use in order to make it worth our while. I am yet to pay more than a week or two for the Apple Watch I sold on Gumtree today, but I must say that I get more benefit from these guys, doing what I love (MTB, running, swimming.....) than the watch would have cost me in the first place! IN SHORT: Investigate the deal before you rush in and make sure you're prepared to stick to your side of the bargain!!! BTW: I'm still pissed that I have to send my data through, but I get two free coffee a week and a free Apple Watch. This happens once every few months, perhaps it's worth it!!!!!!!!!! EDIT: The data they gather from us using our free stuff is more accurate than any data Discovery could buy from outside sources. They are sampling their own client base and therefore are able to not only encourage their members to live a healthier lifestyle, but also to get a far more accurate costing model for their own group's medical care. It's actually genius, the only problem they encounter is the members who really think they are getting free stuff! It's only free if you ensure you fit into their model in terms of activity levels etc. But then they told us that, we just couldn't hear that over the noise in the Apple Watch queue at the iStore on launch day....