DISCOVERY / VITALITY business method patents
Ever wondered what Discovery patented for its VITALITY rewards system? This simple business method:
Discovery VITALITY even patented monitoring members' use of health-related facilities / services - the end-goal being to charge a re-activation fee if under-utilised (see attached patent flowcharts).
First Vitality patented "defaulting" members to opt-in to Vitality (for an activation fee); then Vitality patents monitoring Vitality usage to charge a re-activation fee upon "under-use" … below a use-hurdle "floated" by Vitality.
Great business method. Eminently patentable!
This DISCOVERY LIFE method makes so little sense, it had to be patentable:
Let's run through this again; slowly this time: members take out life insurance policies to cover their families in the event of terminal illness; but when they get sick / receive treatment, their premiums automatically increase! Members insure themselves to cover the risk of death; and Discovery covers the risk of you dying by automatically increasing premiums at the first sign of illness.
Who's getting insured here?
Discovery Car Insurance
DISCOVERY's CAR INSURANCE scheme was premised on a trite basalt foundation:
"Drivers of poor health are more likely to have accidents than drivers in good health."
Unfortunately, this patent encountered a nay-sayer in the Australian Patent Office, which refused the following patent claim:
Which fundamental concept will be questioned next? That "People are not wearing enough hats"?
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