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Health complementary products and rewards

Health complementary products and rewards

Medical scheme and health insurance clients can choose to make use of additional products available from Momentum, part of Momentum Metropolitan Life Limited, to seamlessly enhance their healthcare experience and extract more value for the contributions they pay.

These incentive offerings and voluntary complementary products range from a world-class wellness rewards programme, Momentum Multiply+, to the innovative HealthReturns+ solution.

It is important to note that none of these products are medical scheme benefits. Momentum and Momentum Health are separate entities to the medical schemes that we administer.

<a name='11'></a>Momentum Multiply<sup>+</sup>

Momentum Multiply+

Momentum Multiply+ rewards you for every step you take to become healthier. You score great rewards from day one for improving the way you eat, sleep, move, breathe and connect.


Momentum Multiply+ is a wellness rewards programme that rewards members for looking after their mental and physical health. Members earn HealthReturns for health activities as well as discounts and cashbacks from Multiply partners. Momentum Multiply members get cashbacks and discounts on Momentum products, at a range of partners and on the Momentum Multiply online shop. As a Multiply member you score:
  • Up to 12% when you shop at partners like Dis-Chem, Clicks, Checkers or Pick n Pay.
  • Up to 50% off at gyms.
  • Up to 30% off domestic and 40% off international flights.
  • Up to R1 500 in HealthReturns per adult per month.

<a name='12'></a>HealthSaver<sup>+</sup>

HealthSaver+

Momentum's HealthSaver+ offers clients the ability to provide an additional savings facility to their employees through which they can save for day-to-day medical expenses housed outside of their medical scheme, such as over-the-counter medicine. The funds in the HealthSaver account are instantly accessible to pay healthcare providers, pharmacies and even veterinarians, so there is no need to wait for a claim to be refunded.
  • Retirement sweep - unique to Momentum
    Retirement sweep is available to employees who have Momentum HealthSaver and are active contributing members of the FundsAtWork Umbrella Pension or Provident Funds. Employees who have experienced fewer unforeseen medical expenses than anticipated, and have accumulated excess funds in their HealthSaver account can invest some of these funds to supplement their retirement saving, thereby potentially increasing their net replacement ratio at retirement age.
  • Education benefit - unique to Momentum
    Employees are also able to use any HealthSaver balances, including HealthReturns earned, to pay their child dependants' education expenses once a year, provided that a minimum balance of R5 000 remains in their HealthSaver account.
<a name='14'></a>More4Me<sup>+</sup>

More4Me+

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.
<a name='13'></a>HealthReturns<sup>+</sup>

HealthReturns+

  • This benefit incentivises participating members with monthly airtime, based on their Healthy Heart Score.
  • 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.
  • 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.
<a name='15'></a>GapCover<sup>+</sup>

GapCover+

    • 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.
      • With Millennial GapCover, members under the age of 30 pay a reduced premium.
        • GapCover is not a medical aid and cover is not the same as that of medical aid. This product is not a substitute for medical aid membership.


<a name='16'></a>

+ Members may choose to make use of additional products available from Momentum Metropolitan Holdings Limited (Momentum), to seamlessly enhance their medical aid. Momentum is not a medical scheme and is a separate entity. The complementary products are not medical scheme benefits. You may be a member of the medical scheme without taking any of the complementary products.