The most critical risks South Africans face today
Drickus Maartens • October 9, 2019
Discovery Life
has released its 2018 claims statistics
and the numbers tell a compelling story about the risks South Africans in different age groups face today.
Discovery Life’s 2018 claims data has revealed the major risks Discovery Life members across different age groups faced in 2018.
Unnatural causes continue to be the predominant reason for death claims, among people under the age of 30. Last year, the leading causes of unnatural deaths were motor vehicle accidents (35%), suicide (32%), other accidents (17%) and crime (16%). In 2018, Discovery paid out R4.2 billion in claims, while R4.3 billion has been paid in PayBack and Cash Conversion payouts since Discovery Life’s launch in 2000.
Young people under 30 face more unnatural risks
“Sadly, trauma and unnatural deaths still cause the bulk of our young clients’ life claims,” says Dr Maritha van der Walt, Chief Medical Officer for Discovery Life.
Since 2013, the leading causes of death in clients under 30 have been suicide and trauma, comprising 69% of life claims. Of those claims, 43% were a result of vehicle accidents.
In 2018, Discovery Life’s youngest female claimant was only 28 when she died from a motorbike accident. “Young adults are out on the roads, sometimes late at night,” Dr Van der Walt says. “Late night driving poses a higher risk for accidents.”
Members in their thirties (millennials) are living well
The good news is that members between the ages of 31 and 40 are at a lower risk of dying prematurely from heart-related conditions. When compared to claims from 2013 to 2015, heart and artery claims have lowered significantly over the past three years among millennials. During this timeframe, Discovery Life has seen these clients’ heart and artery:
- Death claims drop by 7%
- Capital disability claims lower by 19%
- Severe illness claims decrease by 10%
- Income continuation benefit claims reduce by 33%.
“We hope that the decrease in heart and artery claims is owing to people engaging in Vitality, living healthier lives and going for their screening tests. We know that clients with higher Vitality statuses have fewer claims across the board,” Dr Van der Walt explains.
Suicide and depression on the rise in middle age
While people in their thirties seem to have reduced some of their risks, members between 41 and 50 are struggling with suicide and depression, especially when you compare the information with the entire client base:
| Members between 41 and 50 | All age groups |
|---|---|
| Over the last two years, suicide claims increased by 17%. | Over the same period, suicide claims increased by 8%. |
| Over the last two years, capital disability claims for mental and behavioural problems increased by 22%. | Since 2014, capital disability claims for mental and behavioural problems have decreased by 30%. |
“Sadly, mental health problems and suicides are increasing worldwide,” Dr Van der Walt says.
In responding to this, Discovery will be adding mental wellbeing as a personalised health goal for the first time in 2020.
Older people experience more breast, prostate and skin cancer
“In our older clients we see more disease-related claims – strokes, cancers, heart attacks and so on,” Dr Van der Walt explains. Cancer is the leading cause of female severe illness claims, with breast cancer accounting for 46% of cancers among female Discovery Life clients.
Women of all ages are at risk of developing breast cancer. However, over the last four years, it has been the leading type of cancer (49%) in women between the ages of 51 and 60. During this time, severe illness claims for breast cancer increased by 9% in the last two years.
While men are more likely to pass away from heart and artery conditions, cancer is the second leading cause of death. Prostate cancer is most prevalent and accounts for over 31% of male cancers in all age groups and 38% of male cancers in the 41-to-50 age bracket. Severe illness claims for prostate cancer have increased by 27% in the last two years.
On the upside, claims for skin cancer in this age bracket have decreased over the last three years for both men (11%) and women (29%).
People over 60 need financial certainty going into retirement
Last year, the oldest male claimant died of cancer at 86 while the oldest female claimant had a heart attack at 88. People in this age category face a significant risk of disability, which may impede their income if they’re not properly insured.
In 2018, more than 40% of clients over the age of 60 who claimed from their Income Continuation Benefit were permanently disabled
The Discovery Life claims trends highlight the importance of getting life cover to protect yourself and your family during all stages of life and that living a healthy, active lifestyle can make a difference.
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The lives of millions of South Africans with a litany of rare diseases can be vastly improved, and even saved, by addressing challenges in identifying, studying and treating their conditions. With Rare Disease Day on the 28th of February 2025, the Rare Diseases Access Initiative (RDAI) is driving an evolution of the country’s healthcare, through innovative strategies to better care for over 4.2million people living with an estimated 7000 rare diseases. “As our healthcare system faces significant changes in the years ahead, it is vital that we also advocate for people living with rare diseases in South Africa, especially those with limited healthcare access,” said Kelly du Plessis, CEO of Rare Diseases South Africa (RDSA), a member of RDAI. “As part of our ongoing research and awareness efforts, RDAI has conducted an initial analysis of the incidence and prevalence of rare diseases within the country.” This research will assist in improving access to healthcare, policy development, and patient advocacy, while giving critical insight into the challenges faced by patients. “According to research, some rare diseases affect fewer than 1 in a million people, while others, such as Down syndrome, cystic fibrosis, and haemophilia, have a more recognisable prevalence,” says Dr. Helen Malherbe, RDAI lead researcher on rare disease prevalence data. “Many conditions are undetected, underdiagnosed or misdiagnosed, with too many having no information available about them at all.” The RDAI was formed in 2019 to promote a more favourable environment for those impacted by rare diseases in South Africa. Participants include Ampath, the Board of Healthcare Funders (BHF), Discovery Health, Genetic Counsellors South Africa (SASHG), the Government Employees Medical Scheme (GEMS), Health Funders Association (HFA), Medihelp, Medscheme, North-West University (NWU), Rare Diseases South Africa (RDSA), the South African Medical Association (SAMA) and The South African Medical Technology Industry Association (SAMED). The Council for Medical Schemes (CMS) participates as an observer. In the same year, Rare Disease International signed a memorandum of understanding with the World Health Organisation leading to an international rare disease policy framework. In 2021, the United Nations General Assembly moved to adopt a resolution recognising 300 million people living with rare diseases worldwide. “A general lack of awareness and delayed diagnosis remain major hurdles for those affected by rare diseases. Policymakers and healthcare stakeholders need to prioritise access to treatment, diagnosis, and support for rare disease patients,” says Bada Pharasi, CEO of IPASA, “Through this initiative, working collaboratively with stakeholders at every level of the healthcare supply chain, we can bring real and meaningful change to those affected, including family members and care givers, through smart and efficient strategies.” The globally agreed definition of a rare disease is any medical condition with a specific pattern of clinical signs, symptoms, and findings that affects fewer than or equal to 1 in 2000 persons in a population. “Most are genetic, and some are inherited and passed down in families,” Malherbe says. “Some affect only the patient’s genetic recipe, while others may be acquired during life due to infection, trauma, or environmental effects. For many, the cause is still unknown. “These conditions mainly affect children, as they are largely incurable and many are life-threatening. Some require specialised and co-ordinated care, some have limited and expensive treatment options, while others have no information or effective treatments at all,” she adds. The RDAI is calling for a patient-centred care model built on equitable access, transparency and efficiency. Naturally, this model calls for the open participation of patients, the healthcare industry, health professionals, and the Government. “The most critical elements are robust diagnosis standards, improved access to treatment, data collection and management, co-ordination of care, measurement of outcomes and ongoing collaborative research,” du Plessis says. “We need to establish rare disease advisory committees, map gaps and opportunities, establish system requirements, create a roadmap and plan a phased implementation with clear timelines.” The RDAI states that these policy development steps would be a start in quantifying the disease burden and defining standards of care. This would be followed by building and strengthening the capacity to facilitate appropriate diagnosis, treatment, continuity and data monitoring. Thoneshan Naidoo, Chief Executive Officer of the Health Funders Association noted that, “We appreciate the unique opportunity provided by RDAI which enables stakeholders across the industry to work together and identify strategies that improve equitable access to the appropriate diagnosis, treatment and healthcare services for rare disease patients, in an affordable and sustainable manner, taking account of the other pressing needs across the healthcare system.” “True innovation in healthcare is only possible through partnerships and joint advocacy efforts that raise awareness and improve access to treatment. Our long-term goal is the development of a rare diseases policy framework and guidelines for coordinated care,” says Pharasi. “Our members are united in the commitment to unlocking improved patient outcomes and improving access to services and robust health needs assessment facilities.” he concludes. About RDAI The Rare Diseases Access Initiative (RDAI) is dedicated to advocating for improved healthcare access, policy development, and patient support for those affected by rare diseases in South Africa. The initiative brings together key healthcare stakeholders, including pharmaceutical associations, funders, genetic specialists, and patient advocacy groups, to drive impactful change. About RDSA Founded in 2013, Rare Diseases South Africa (RDSA) is a non-profit organisation advocating to ensure that people living with rare diseases and congenital disorders experience greater recognition, support, improved health service and better overall quality of life. Started out of personal need following the diagnosis of organisation founder, Kelly du Plessis' son, it became evident that there was a lack of awareness and support for rare diseases in general in South Africa. About IPASA The Innovative Pharmaceutical Association South Africa (IPASA) is a voluntary trade association representing 24 leading pharmaceutical companies committed to research, development, and innovation. Our mission is to drive healthcare advancement by advocating for policies that improve patient access to safe, high-quality, and affordable medicines.
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