• check Up to R1 000 in HealthReturns every month on Multiply Inspire Plus for your health check and being active.
• check Up to 75% off at gyms.
• check Up to 30% off domestic flights and up to 40% off international flights.
• check Up to 15% off your whole basket when you shop at Woolworths and so much more.

HealthSaver lets clients save for medical expenses, such as vitamins, scheme exclusions and more, while earning Savings Booster rewards of up to 10% on your positive Savings balance, based on a combination of your Healthy Heart Score and fitness assessment.

The HealthSaver account is the most convenient way to pay for treatments and procedures not covered by your option.

Momentum HealthSaver has been reshaped to make the client experience as straightforward and simple as managing a modern bank account. In 2026, your HealthSaver balance will consist of Savings (accumulated through ad hoc or regular contributions) and Rewards (accumulated through any cashbacks, HealthReturns, HealthSaver booster, Savings booster or Wellness booster earned).

Cashbacks can be earned by interacting with a range of Multiply partners, while HealthReturns are earned by being active and adhering to prescribed care. HealthSaver booster is paid to m/embers of new Super Groups joining Momentum Medical Scheme. Savings booster is earned on positive HealthSaver Savings balance and Wellness booster is paid to members on the Custom and Incentive options, adhering to their prescribed care.

You can use your Savings balance to pay medical expenses at doctors and pharmacies, as well as Healthcare Partners like veterinarians and healthy nutrition suppliers. Rewards can exclusively be spent at Lifestyle Partners. Refer to multiply.co.za for further information pertaining to these partners.

In addition, you can choose to:

• check pay your medical scheme contribution from your positive HealthSaver balance,
• check sweep a portion into your pension fund,
• check opt to pay your child dependant’s educational costs, or
• check use your Rewards to pay gym membership

All Momentum Medical Scheme members qualify for HealthSaver. You can sign up for a HealthSaver account via the Momentum App and enjoy immediate access.

Employees on participating medical scheme options, who have an annual health assessment and are active, have the ability to earn money, which they can pay into their HealthSaver account and increase their healthcare savings without paying more. Simply put, they utilise their healthier lifestyle to increase their benefits. This feature allows employees to fund their day-to-day benefits for free and the money they were paying for savings can be utilised to enhance other aspects of their financial needs.

• check This benefit incentivises participating members with monthly airtime, based on their Healthy Heart Score.
• check Upon registration, members will receive R50 airtime. Members who go for their health assessment at a wellness day managed by Momentum, will receive their Healthy Heart Score and R50 airtime on the spot. They also receive monthly airtime, based on their Healthy Heart Score and can convert their airtime to data if they choose.
• check More4Me is available to employees on Momentum Health4Me+ and Momentum Medical Scheme's Ingwe Option, as long as the employer registers with Multiply for Corporates within 12 months of joining and has at least 15 employees covered by Momentum Health4Me and Momentum Medical Scheme.

• check Momentum GapCover+ offers members supplementary cover to assist with shortfalls in the event of hospitalisation involving surgery or medical treatment, as well as for certain procedures performed out-of-hospital or in a day clinic.
• check You can choose between the more affordable GapCover Primary or the more extensive benefits offered by GapCover Supreme.
• check Momentum GapCover+ is not a medical scheme and cover is not the same as that of a medical scheme. This product is not a substitute for medical scheme cover.