Vitality Active through Discovery Bank
How do I join Vitality Active through Discovery Bank?
Join Vitality Active through Discovery Bank in June 2026, and you'll only start paying your monthly Vitality Active premium in August 2026. That means you can activate Vitality Active, start enjoying selected benefits and get going on your fitness journey, all before you pay your first monthly premium.
As part of our launch offer, your first premium will only be collected in August 2026 and will cover your membership for September 2026.
Who qualifies to join Vitality through Discovery Bank?
If you are the primary accountholder on a qualifying Discovery Bank product, you can activate your Vitality Active policy directly in the Discovery Bank app.
This is a single-member plan. This means it is linked only to you as the primary accountholder and can't be extended to other members.
The following Discovery Bank products qualify for you to activate Vitality Active:
- Discovery Gold Suite
- Discovery Platinum Suite
- Discovery Black Suite
- Discovery Purple Suite
- Discovery Purple Wealth Suite
- Gold Credit Card Account
- Platinum Credit Card Account
- Black Credit Card Account
- Gold Transaction Account with bundled fees
- Platinum Transaction Account with bundled fees
- Black Transaction Account with bundled fees
- Gold Transaction Account with pay-as-you-transact fees
- Platinum Transaction Account with pay-as-you-transact fees
- Black Transaction Account with pay-as-you-transact fees
- Điscovery Account (zero monthly fees)
- Prefunded Gold Card Account
What is the monthly premium for the Vitality Active through Discovery Bank plan?
For 2026, the Vitality Active through Discovery Bank plan costs R159 per month. Premiums are reviewed every year. We'll tell you about yearly increases in advance.
How do you collect my Vitality Active through Discovery Bank premium each month?
When you sign up for Vitality Active through Discovery Bank, you'll choose a preferred fee date. On this date each month, we'll automatically deduct your monthly premium from your primary Discovery Bank account.
Your premium is billed in advance, meaning the amount deducted on your chosen fee date covers your membership for the following month
How does it work?
If you activate your plan on 2 June 2026 and choose the 25th as your fee date, your premium would normally be collected on 25 June 2026 to cover your membership for July, as billing is done in advance.
However, as part of our launch offer, your first premium will only be collected on 25 August 2026, and it will cover your membership for September.
What happens if you cannot collect my premium on my chosen fee date for Vitality Active through Discovery Bank?
If we can't collect your premium on your chosen fee date, we'll automatically retry the deduction the following day for Vitality Active through Discovery Bank. There's no need to contact us. Just make sure there are enough funds in your qualifying Discovery Bank account.
If your plan is inactive for more than 30 days, please call us on 0860 99 88 77 so we can help arrange collection of your premium.
Can I change my fee date later for Vitality Active through Discovery Bank?
Yes, you can change your fee date if you need to, for Vitality Active through Discovery Bank. Any change will apply from the next billing month, so your premium will be deducted on the new chosen date going forward.
If you would like to change your fee date, please call us on 0860 99 88 77 or chat to a virtual agent through Ask Discovery on WhatsApp.
I'm already a Vitality Premium member. Can I take out Vitality Active through Discovery Bank?
You can't be a member of Vitality Premium and Vitality Active at the same time. If you switch plans from Vitality Premium to Vitality Active through Discovery Bank, it's considered a downgrade and your current benefits will be affected. In this section, we'll explain what this means.
Benefits that will fall away
By downgrading from Vitality Premium, you will lose access to the Premium‑only benefits, including:
- The fully-funded Apple Watch and Oura Ring 4 benefits
- Vitality Active Gear benefit
- Up to 75% discount on Planet Fitness Club membership
- Up to 50% discount on Planet Fitness National membership
- Up to 50% discount on Virgin Active Premier, Collection and National membership
- 10% back in Ðiscovery Miles at secondary online and in-store HealthyFood partners
- Vitality HealthyBaby benefit
It's also important to understand that this is a single-member plan, so your child dependants will no longer have access to Vitality benefits.
Benefits that will be reduced
Some benefits will still be available but at a reduced level, including:
- You'll still be able to enjoy 2D, 3D and Cinema Nouveau movies at half the price, but free movies for kids aged between 2 and 18 before 7pm will fall away (because child dependants won't have access to Vitality benefits).
- Discounts on local and international flight bookings with Vitality will be limited to 25% through your Vitality Money rewards.
- Your monthly cap on your HealthyFood benefit will be lower.
Dependants won't get benefits
The Vitality Active through Discovery Bank plan is a single-member plan. Once you downgrade, any dependants currently linked to your Vitality Premium membership will no longer have access to Vitality benefits.
Understand the difference
Before deciding to downgrade, we recommend that you carefully review the effect this will have on your benefits and your dependants. Make sure that your chosen Vitality plan meets your needs.
I'm already a Vitality Active member. Can I take out Vitality Active through Discovery Bank?
If you switch plans from Vitality Active to Vitality Active through Discovery Bank, this will affect your current benefits. Although it is considered a lateral change, because the overall benefits structure is almost the same, there are some important differences. You should carefully review how your benefits will be affected before deciding to change your plan.
These are the differences:
- The Vitality Active through Discovery Bank plan is a single member plan. Once you move to this plan, any dependants currently linked to your Vitality Active membership will no longer have access to Vitality benefits.
- You will no longer have access to the Teljoy fitness device benefit if you move to the Vitality Active through Discovery Bank plan.
All other benefits on the Vitality Active and Vitality Active through Discovery Bank plans are the same.
What benefits do I get with Vitality Active through Discovery Bank?
With Vitality Active through Discovery Bank, you have access to a range of fitness and lifestyle benefits, including:
- 75% off your monthly Virgin Active local club membership*
- Up to eight free workouts a month with Vitality Fitness
- 20% off padel bookings on Playtomic and book up to four weeks in advance
- Up to 75% back in Điscovery Miles on the HealthyFood and up to 50% off Ster Kinekor movie benefits
- Weekly rewards for achieving your Vitality Active Rewards and Vitality Sleep Rewards goals
- Up to 50% back in Điscovery Miles on HealthyCare will be coming soon.
We will also fully fund your Vitality Health Check once a year. You must complete a Vitality Health Check and Vitality Age assessment once a year to enjoy your maximum benefit discounts.
| Vitality Active through Discovery Bank | |
| Policy structure | Single-member plan |
| Premium amount | R159 per month |
| Vitality Active Rewards | ✔ |
| Vitality Sleep Rewards | ✔ |
| Vitality HealthyFood | Up to 75% back in Điscovery Miles |
| Vitality Gym | 75% off a monthly local club membership at Virgin Active* |
| Oura Ring 4 | Up to 25% upfront discount |
| Vitality Padel | 20% off padel bookings |
| Vitality Ster-Kinekor movie | 50% off 2D, 3D and Cinema Nouveau movies 25% off Cine Prestige, NT Live or Imax tickets |
| Team Vitality running and cycling club | ✔ |
| HealthyWeight programme | ✔ |
| Vitality Fitness | Up to eight free workouts a month at any fitness facility in the Vitality Fitness network |
| Điscovery Miles | 5% discount on Điscovery Miles purchases in the Vitality Mall and Điscovery Miles network for each Vitality programme you have activated (5% for Vitality Health, 5% for Vitality Money, 5% for Vitality Drive |
| Vitality Health Check | Vitality will fund one Vitality Health Check per year |
*Activate Vitality Active and get the 75% discount for the first 12 months. After that visit your Virgin Active local club 36 times in a rolling 12-month period to qualify for 75% off a local club membership fee.
How do I unlock my rewards for Vitality Active through Discovery Bank?
Your Vitality Age helps you understand how your health compares to your actual age and provides practical insights into where you can improve.
Until the end of the year, new joiners can boost their Vitality Health rewards simply by completing their Vitality Age assessment. You do not need to complete a Vitality Health Check to receive this boost during the special offer.
We are working on making a fully funded Vitality Health Check available once a year. This is not yet available, and we will share more information when it becomes available. If you would prefer to complete your Vitality Health Check sooner to boost your Vitality Health Status, you can - you will need to pay R311.60. Alternatively, if you are part of a medical scheme administered by Discovery Health (Pty) Ltd, it will be covered by your screening and prevention benefits.
For now, start by finding out your Vitality Age and begin unlocking more value from your Vitality Health rewards.
Where can I see more details about the benefits available on my Vitality Active through Discovery Bank plan?
You can find more information about the Vitality Active through Discovery Bank plan on the Product rules, terms and conditions page on our website.
Can I upgrade my Vitality Active through Discovery Bank plan?
Yes, you can upgrade your Vitality Active through Discovery Bank plan if you have a qualifying Discovery Health, Discovery Life or Group Risk product. To upgrade to a Vitality Premium plan, please call us on 0860 99 88 77 or or chat to a virtual agent through Ask Discovery on WhatsApp. You can also speak to your financial adviser.
Can I add dependants to my Vitality Active through Discovery Bank plan?
No, you won't be able to add dependants to Vitality Active through Discovery Bank. Vitality Active through Discovery Bank is designed for individual members only and is linked only to the primary accountholder.
How do I cancel my Vitality Active through Discovery Bank plan?
If you wish to cancel your Vitality Active through Discovery Bank plan, please call us on 011 529 0740, and one of our consultants will help you.
Digital Life Plan
Who is eligible for the Digital Life Plan?
Discovery clients are eligible for the The Digital Life Plan. The application and underwriting process are completed entirely within the Discovery Bank app, making it a digital-only offering.
How much life cover can I get?
You can apply for up to R3 million in life cover. The policy is serviced through Discovery Life, ensuring you have the backing of South Africa's leading life insurer.
Can I add other benefits can I add to my plan?
Yes, you can add on other benefits to your Digital Life Plan. Beyond life cover, you can customise your policy with the optional Advanced Illness and Disability Benefit to provide additional financial protection if you experience a life-changing illness or injury. Some exclusions based on existing Life cover, age limits and credit ratings may apply.
How does the Digital Life Plan MilesBack reward work?
The Digital Life Plan MilesBack reward gives you the ability to earn up to 20% of your premiums back in Ðiscovery Miles directly into your Ðiscovery Miles Account when you pay your Digital Life Plan debit order from your Discovery Bank account.
To qualify for the maximum reward, you simply need to engage with Vitality Health and Vitality Money.
Please read the Vitality Money terms and conditions and Ðiscovery Miles terms and conditions for more information.
How does the 48-hour payout work?
In the event of a claim due to death, the Digital Life Plan provides an immediate payment of R50,000 from your life cover, paid within 48 hours. This is designed to provide your family with quick liquidity during a difficult time.
Is there any manual paperwork involved in applying for a Discovery Digital Life Plan?
No, there is no manual paper involved in the process of applying for the Discovery Digital Life Plan. The entire process - from application and underwriting to receiving your quote - is 100% digital and takes place in the Discovery Bank app.
Can I get the Digital Life Plan if I already have a Discovery Life product?
Yes, you can apply for the Digital Life Plan if you already have an individual Discovery Life product or Discovery Life group life product through your employer. Some exclusions based on amount of existing Life cover.
How do I manage my policy after it's activated?
To manage your policy after it's activated, simply log into the Discovery Bank app > tap on the Life icon in the top navigation pane > Digital Life Plan tile to see your dashboard. You can view your cover amount, policy status, and reward progress at any time directly in the Discovery Bank app.
Who do I contact for queries or complaints?
Queries and complaints about the Digital Life plan are serviced by the experts at Discovery Life.
If you have a query about your policy, need to lodge a complaint, or require assistance with your cover, please contact the Discovery Life team directly:
- Call: 0860 00 54 33 (Monday to Thursday: 07:00 - 17:00 | Friday: 08:00 - 16:00)
- Email: discoverylifeinfo@discovery.co.za
How do I update my beneficiaries or personal information?
To make updates to your beneficiaries, personal information, or to access policy documents, log into www.discovery.co.za and navigate to Life Insurance from the top navigation pane or contact the Discovery Life servicing team through the contact details above.
To make updates to your policy structure, contact Discovery Life servicing team through the contact details above.
What is the process for making a claim?
To initiate the process for making a claim, your loved ones should contact Discovery Life immediately. One of the standout features of the Digital Life Plan is the Immediate Payment benefit, which ensures a payout of R50,000 within 48 hours of death to help cover immediate costs.
- To start a claim: Call 0860 10 39 05 or email LifeClaims@discovery.co.za.
Can I cancel my policy if I change my mind?
Yes, you can cancel your policy if you change your mind You have a 31-day cooling-off period from the date your policy starts. If you decide the plan isn't right for you within this window, you can cancel it and receive a refund of any premiums already paid, provided no claim has been made. To process a cancellation, please contact the Discovery Life team.
Discovery Life Limited. Registration number 1966/003901/06, is a licensed life insurer, and an authorised financial services and registered credit provider, NCR Reg No. NCRCP3555. Discovery Bank Limited. Registration number 2015/408745/06 is an authorised financial services and registered credit provider. FSP number 48657. NCR registration number NCRCP9997. Limits (including fair usage), terms and conditions apply. Rewards based on your engagement in Vitality programmes, Discovery products, and monthly qualifying card spend.
Getting started with Discovery Insure
How can I start a Discovery Insure policy in the Discovery Bank app?
To start a Discovery Insure policy in the Discovery Bank app, tap the new product menu at the top of your Home screen, then select Insure and follow the steps to get a quote. You only qualify to do this if you don't yet have any Discovery Insure policies.
Can I insure more than one vehicle?
You can insure more than one vehicle in the Discovery Bank app. You'll be able to add extra vehicles. Then simply follow the steps for each vehicle.
If I already have a Discovery Insure policy, can I add a new policy in the banking app?
If you already have a Discovery Insure policy, you can't add a new policy in the banking app. Please call Discovery Insure on 0860 751 751 for help.
Why don't I see an option to get a quote with Discovery Insure in the Discovery Bank app?
You don't see an option to get a quote with Discovery Insure in the Discovery Bank app because some clients may not qualify for insurance. Reasons include:
- Already having insurance with Discovery Insure
- Being under the age of 18.
Why can't I get a quote for household or combined household and vehicle insurance in the Discovery Bank app?
You can't get a quote for household or combined household and vehicle insurance in the Discovery Bank app because only a consultant can prepare an accurate, individual quote for you. They'll get your details from the app and call to give you a quote.
Can I get insurance for my motorbike, boat or jet ski in the app?
You can't get insurance for your motorbike, boat, jet ski or other vehicle types in the app. For now, the Discovery Bank app only offers quotes for motor vehicles.
Can I get insurance for someone other than myself?
You can get insurance for someone other than yourself if you're the plan holder and the other person is the primary driver of the vehicle you want to insure.
My insurance was cancelled a long time ago. Must I still declare it?
Even if your insurance was cancelled a long time ago, the law still requires you to declare this.
Do I need to use a Discovery Bank account for my Discovery Insure debit order?
You don't need to use a Discovery Bank account for your Discovery Insure debit order. You can choose any bank account for the debit order.
What's a premium?
A premium is the amount of money you must pay every month for your insurance policy.
Insurance cover and plan options
What does comprehensive insurance include?
Comprehensive insurance includes cover for the loss of your vehicle or damage to it because of theft, hijacking, hail, storm, fire, lightning, explosion, or malicious or accidental damage. We cover theft of sound equipment only if the vehicle was entered by force or violence.
Can I get only third-party, fire and theft cover?
You can't get only third-party, fire and theft cover. We only offer comprehensive cover.
What's the difference between the Classic and Essential plans?
The main difference between the Classic and Essential motor vehicle insurance plans is the level of benefits and flexibility they offer. The Classic Plan gives you more comprehensive options and you can earn higher Vitality Drive rewards, while the Essential Plan is more budget-friendly with fewer extras.
I want the Purple Plan, so why can't I see it in the app?
If you're interested in the Purple Plan, please call Discovery Insure on 0860 751 751 to help you. For now, you can only choose between the Classic and Essential plans in the Discovery Bank app.
What's the insured value type?
The insured value type describes the basis of your vehicle's valuation. Your vehicle can be insured at the retail value, market value, or a specified value.
Where does the retail or market value come from?
The retail or market value comes from an independent service that tracks current vehicle prices. It considers your vehicle's mileage, condition, service history and accident reports.
What's the nominated value, and what must I enter?
The nominated value is the value you believe to be the current retail value of your vehicle, with adjustments made for its mileage and condition, if you sold it. Enter the amount you estimate your vehicle is currently worth.
What are the 15% and 25% retail value booster options?
The 15% and 25% retail value booster options give you the choice to insure your vehicle at its retail value plus either 15% or 25%.
When can't I get scratch and dent cover?
You can't get scratch and dent cover if a complete vinyl wrap has been applied to your vehicle.
What's the car hire extender?
The car hire extender allows you to extend the standard car hire period from 30 days to 60 days after making a claim.
Vehicle and driver information
What's a VIN or vehicle registration number?
The VIN is a unique identification code that each vehicle gets when it's built.
The vehicle registration number is the licence number you get from the authority where you register the vehicle. This is the number on the front and back number plates of the vehicle.
Where can I find the VIN number?
You can see the VIN number on the licence disc on the bottom left side of your vehicle's windshield and also in the vehicle's registration documents.
If you don't have the vehicle yet, you can get this information from your dealership, or use the vehicle make, model and year to get a quote.
The vehicle details from my registration or VIN are wrong. What should I do?
If the vehicle details from your registration or VIN are wrong, you can manually select the correct year, make, and model from the dropdown options in the Discovery Bank app to get a quote.
Can I get a quote if I don't have a registration number or VIN?
You can get a quote if you don't have a registration number or VIN by selecting the vehicle's correct year, make, and model from the dropdown options in the Discovery Bank app.
I use my vehicle for both business and private purposes. Which option must I choose?
If you use your vehicle for both business and private purposes, select the purpose for which you use your vehicle the most.
What's the difference between private and professional use and business use?
The difference between private and professional use and business use:
- Private and professional use means you use your vehicle for social and private purposes, including travel between home and your regular place of work, and occasionally for business purposes, but not more than six occasions in a calendar month. This cover doesn't include carrying goods for business purposes.
- Business use means that in addition to private and professional use, you can use your vehicle as an essential part of the work or function you perform. Your cover includes the occasional carrying of goods for business purposes, but not more than six occasions in a calendar month.
Who's the primary driver?
The primary driver is the person who'll be driving the vehicle the most.
Will my vehicle be covered if it's in an accident and the primary driver wasn't driving?
If your vehicle is in an accident and the primary driver wasn't driving, it will be covered, but the excess you pay may be higher.
I don't have a South African driver's licence; I have a foreign driver's licence.
If you don't have a South African driver's licence, enter the details of your foreign driver's licence.
What do I do if I don't know the cost of the vehicle extras I have?
If you don't know the cost of the vehicle extras you have, enter your best estimate of their value.
What are factory-fitted optional extras, and what are aftermarket optional extras?
Factory-fitted optional extras come with the vehicle when you buy it. Aftermarket extras are ones you choose to add after buying the vehicle.
How do I get my address validated?
To validate your address, please enter the address where your vehicle is parked most of the time. If the banking app doesn't show this address, tap Address not in list and Discovery Insure will call you back.
Tracking devices and security
Which vehicle tracking device does Discovery Insure prefer?
Discovery Insure has no preferred vehicle tracking device, but for vehicles at high risk the Insure Crowd Search Sensor will automatically be included in the quote.
What's the Insure Crowd Search Sensor?
The Insure Crowd Search Sensor is a type of tracking or stolen vehicle recovery (SVR) device to protect your vehicle at a monthly fee.
What's mandatory stolen vehicle recovery (SVR)?
Mandatory stolen vehicle recovery (SVR) is a requirement for vehicles rated as high risk. It means that your vehicle must have a tracking device fitted to qualify for the insurance plan.
Must my vehicle have a tracker or stolen vehicle recovery (SVR) device?
Your vehicle must have a tracker or stolen vehicle recovery (SVR) device if it's rated as high risk.
- If your vehicle doesn't need a tracker, you can still choose to have an Insure Crowd Search Sensor at a monthly SVR fee.
- If your vehicle has an SVR/tracker with any third-party provider, you can either keep that or switch to the Insure Crowd Search Sensor at a monthly SVR fee.
- If your vehicle must have the Insure Crowd Search Sensor, it will automatically be selected in the quote screen and you won't be able to de-select it. There is a monthly SVR fee.
Vitality Drive and rewards
What's Vitality Drive?
Vitality Drive is Discovery Insure's unique behaviour-centred driver programme that rewards you for driving well. Vitality Drive uses the latest vehicle telematics technology to collect information about your driving behaviour, like acceleration, braking, cornering, speeding, night-time driving, distance driven and cellphone use. By driving well, you can earn points that translate into a Vitality Drive status and rewards like monthly fuel cash back and Uber discounts.
I want to remove Vitality Drive from my quote.
Removing Vitality Drive from your quote is not possible because it's automatically included with your insurance.
Policy management and amendments
I want to amend my Discovery Insure plan.
If you want to amend your Discovery Insure plan, please call Discovery Insure on 0860 751 751 to help you. Unfortunately, we can't help you with amendments to an existing plan.
My quote is too high. Can it be reconsidered?
If you feel your quote is too high, tap Speak to an agent for Discovery Insure to help you.
I have a question on my quote/excess/car hire/write-off accelerator/stolen vehicle recovery.
If you have a question about a specific aspect of your quote, please call Discovery Insure to give you all the information you need.
What does it mean that my quote has been referred to the underwriter?
When your quote has been referred to the underwriter, it means that elements of your quote need special attention. You'll get a call with more info.
Can I close my bank account after I started my vehicle insurance policy in the Discovery Bank app?
You can close your bank account after you started your vehicle insurance policy in the banking app.