Discovery Ltd.

South Africa’s 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: Discovery’s annual operating profits have reached $500 million, and new Vitality insurance partners include John Hancock, Generali in Europe, and Ping An in China.