17. Discovery Ltd.
South Africas Discovery has a hit with Vitality, a behavior-tracking program that rewards clients healthy habits, even paying their gym memberships. Independent studies show that Vitality members are more likely to take up and stick with physical activity; engaged members also go to the hospital 7.5% less often, and for markedly shorter periods too. This is also good business: Discoverys annual operating profits have reached $500 million, and new Vitality insurance partners include John Hancock, Generali in Europe, and Ping An in China.
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