Captain Fastbastard Mayhem

As for the assessments etc, this year that's far less of an issue for you

essentially, it controls your annual premium & benefit increases, as well as your 5-yearly payback. The higher the status, the lower your premium increase, the higher your benefit increase, and the higher your payback will be. If you're on silver, your premium increase is 0.5% higher than it is on the tin ie: If you're on their Age Rated preium pattern, you'd normally have a premium increase of CPI + 3% to 9% depending on your age at the time of the increase. If you're on their Standard pattern, your Premium increase will be a flat CPI + 3.5% p/a If you're on Silver, though, the increase changes to CPI + (whatever) +0.5% If you're on Gold, that goes to CPI + (whatever) -0.5% Payback every 5 years - 15% of premium on silver, 20% on Gold. Benefit Increase would normally be CPI. Blue: CPI -1.07% Bronze: CPI - 0.57% Silver: CPI Gold: CPI + 0.57% Diamond: CPI +1.07% I'f you're on Disco Health, the figures for the premium increase are even more involved. Your med aid claims come into it, and the Vitality Status is a lot more important. Your Payback benefit also has a higher percentage cap to it (max 60% vs 25%) In effect, you are granted an up-front "discount" to normal rates if you are a member of vitality. If you don't manage your status, that discount is slowly whittled away until it becomes non existent. If you do manage it, it becomes one of the most cost effective policies over a long period of time, with Momentum the only other provider offering comparable benefit. That's why we manage our clients statuses very carefully if we recommend Discovery Life products.

My understanding is that it'll be according to the traveller not the payer. So she needs to hit the goals. Need to confirm hoe this affects child travellers. Edit: your discount will NOT be reduced if you don't hit the 4 weekly goals. That's purely status dependant

More like the broker sold it to them and didn't explain it. Just a way to make the life premiums comparable to the competition, and screw the consequences of not managing your status when you've tied it to your life policy... It's just for gym, after all...

LOL. Cracked ribs aren't fun. They're "healed" but I'm going to go on whether they're strong enough to do it. If not, I may just ride it for the sake of it and fark the times.... DH needs the numbers.

yeah, that's my assumption as well. NOTE: I'm not an actuary by ANY stretch of the imagination (I have far too much personality, for one) but approximated the number using my experience as a previous employment at Discovery, and looking after brokers, seeing just how many clients are still on Blue status and the brokers' insistence that it is DISCOVERY'S responsibility that the client get to gold. Nevermind that the broker sold Vitality in the first place...

Strongly considering, just for s&g's. Deciding factor will be the ribs. They're still giving me shaite.

No cost. Download most recent Discovery app on to your phone, then activate Vitality Active Rewards. Then you can link strava etc.

Tell that to Conters A Line... Yikes.

Sure he meant "Don't get a fox fork, get an RS Rev or Pike"

Perfectly fine

very definitely outa control. Cased the jump and had nowhere to go...

Yeah, exactly. And it'll be the same for the majority of buyers, IMO. Not caring about the points because they're getting the watch at a 0% interest rate for 2 years instead of a 6k once off purchase. So for the majority of apple watch purchasers, Disco won't have to pay a cent. And if they do, they'll be saving on claims cos they're taking closer care of their health.

Again, we are not the target demographic. The target demographic are those couch potatoes who would rather get off the couch to open the fridge than get to the gym. The guys who "train" once a week and then schnarfle a McFeast Deluxe Meal 'cos they "worked out" They're trying to change the behaviour of the 85%, not the 5% who were doing it to begin with... Anyway. On that note - 1,200 points per week is STILL the soft cap. It will remain so until a far higher percentage of clients find it easy to hit that on a continual basis. When it does, I'll post it. Or, rather, you'll see a larger target on your particular device.

As with any large purchase though...

Personal satisfaction

yeah, Kauai coffee is shaite.

Avg 70% of HRR for the exercise, I think. Could be wrong. It's also above 8kph for riding and 4kph for running, from what I've seen. That's hardy vigorous, but for most of the folks they're trying to coax into the healthy living side of things, it is...

Dunno. I'm running unotelly...

yeah, she's down here in CT. How long have you been there?

Used to as well. Worked with Lindsay Hill... You should know her And it happens every.single.time. Budget for minimum expected increase in infrastructure. Damage control when expectations were radically under-projected. Just like Paradigm (aka Paralysed)

You don't get a payback on your Short Term policy, but your Annual Payback benefit can be increased to a higher minimum level if you have a Discovery Insure policy with Vitality Drive.

That data was released in a rather in-depth study around 4 or 5 years ago, when I was still employed by Disco. The Blue members were in the region of 80% of the entire Vitality book. It's improved since then, with more attention and emphasis being placed on the paybacks and such, but the majority are still on Blue status. As Judd says though, this Vitality Active Rewards was designed specifically to get more people on to the upper reaches of Vitality. I know that in our book, 95% of our clients are on Gold, and those that aren't there aren't due to lack of trying...

I'm here... Just saying.

You got a life policy? If so, then that. You get a percentage of your premiums back every year /5 years depending on your status and your health claims if you're on disco health as well