Discovery Limited is an integrated financial services organization, which operates in the healthcare, life insurance, short-term insurance, long-term savings, banking, and wellness markets. The Company uses a shared-value insurance model across businesses. It offers a shared-value insurance model across its three business strands: South Africa, the United Kingdom, Vitality Global. In South Africa, it offers Discovery Health, Discovery Life, Discovery Invest, Discovery Insure and Discovery Bank. Discovery Health is a medical scheme administrator and managed care provider. Discovery Life offers comprehensive life, capital disability, income protection, severe illness, and funeral cover, to individual and business clients. Discovery Bank is a full-service digital retail bank offering a range of products. In the United Kingdom, it offers VitalityHealth, VitalityLife, and VitalityCar. Vitality Global has two business units: Vitality Network, and Vitality Health International.