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Complementary Products from Momentum

You can choose to add even more value to your medical aid offering

As a Momentum Health member you can choose to make use of complementary products available from Momentum Group (Momentum), a division of MMI Group Limited, to seamlessly enhance your medical aid. Momentum is not a medical scheme and is a separate entity to Momentum Health.

Please note that you can be a member of Momentum Health without taking any of the complementary products that Momentum offers. Click on the links below to read more about these voluntary complementary products.

The following complementary products are offered:


HealthSaver Open

Save for additional medical expenses with HealthSaver

Momentum's HealthSaver lets you save for additional day-to-day medical expenses, such as co-payments, refractive eye surgery, vitamins and more. In fact, you can even fund your medical aid and or Multiply contribution from your positive HealthSaver balance. Remember, the HealthSaver is a healthcare savings account administered by Momentum. Momentum is not a medical aid, and is a separate entity from Momentum Health.

HealthSaver works seamlessly with your medical aid. It lets you claim for healthcare expenses in the same way you would for benefits covered by your medical aid option - with no transaction or admin fees.

You can also choose to have your HealthReturns paid into it. Which means you can earn up to R12 000 in HealthReturns.

HealthSaver in more detail

HealthSaver allows you to save for additional medical expenses, and lets you choose an affordable monthly amount that suits your pocket.

Read more

Multiply Open

Multiply, Momentum’s wellness and rewards programme, believes that great health comes from actively taking care of yourself. All Momentum Health members get Multiply Starter for free and can enjoy benefits like 10% off gym fees or take advantage of the discounts available from most of Multiply’s online shopping partners.

To truly enjoy the superior benefits of Multiply, you can upgrade to either Multiply Provider or Multiply Premier and enjoy:

  • Increased HealthReturns with 4 Active Dayz per week earning you between R6 000 and R12 000 per adult per year paid by Momentum (Multiply Premier).
  • Additional benefits and rewards from more than 60 partners - from Multiply's range of gym, travel, leisure, shopping and health partners.

Multiply also recognises all types of activity. If you can track it, you score. Go to gym, track your steps or calories burned or log an event and you will get Active Dayz™ which count toward getting greater rewards and partner discounts.

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HealthWaiver Open

Peace of mind from HealthWaiver

HealthWaiver offers peace of mind that medical aid cover will be continued in the event of death, functional impairment or critical illness of the principal member or spouse.

This product is a cost-effective healthcare solution to ensure continued medical cover for your family when you may not be able to do so.

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HealthReturns Open

Momentum pays up to R1 000 per member (maximum of R2 000 per family) per month in HealthReturns to Momentum Health members who go for an annual Health Assessment, comply with treatment protocols (where applicable) and are active.

How you can earn HealthReturns

It is very easy to start earning HealthReturns. As a Momentum Health member, you enjoy one free Health Assessment per year through the Health Platform Benefit. This assessment is the first step to earning HealthReturns and will calculate your Healthy Heart Score. Your Healthy Heart Score gives you an indication of how healthy your heart is. It can predict your chances of suffering a heart attack or stroke within the next ten years. We use the results from your health assessment, together with your smoking status, to calculate your score. Your score can be red, amber or green. Based on your results, we may recommend further assessments.

If you go for these assessments and follow the treatment protocols, this would be the second step to earning HealthReturns. The third step requires you to be active. Your activity, combined with your Multiply status and Healthy Heart Score, will determine how much you can earn. Your physical activity is measured by your number of Active Dayz™ in a month or by going for a fitness assessment.

Measuring activity

An Active Day can be earned by:

  • One Multiply gym visit (provided you belong to Virgin Active, Planet Fitness or affiliated gyms through Multiply).
  • Recording 10 000 steps in a day (through a device linked to your Multiply profile
  • Burning 300 calories in an exercise session (through a device linked to your Multiply profile).
  • Participating in a qualifying event (claimed via Entrytime online).

If multiple activities are performed on the same day, the activity that results in the best score will be used.

Standard HealthReturns are payable if you do not have both HealthSaver and Multiply Premier membership. It can be paid into your bank account or your HealthSaver account, if you have one.

Total HealthReturns are payable if you have both the HealthSaver and Multiply Premier membership and choose to receive HealthReturns into your HealthSaver account.

The difference in Standard and Total HealthReturns is known as HealthReturns Booster funds. Booster funds are available to pay for claims once standard HealthSaver funds are depleted. The balance is carried over to the following year if not used and only forfeited if your Momentum Health or HealthSaver membership is cancelled.

Read more

Terms and Conditions apply

GapCover Open

Underwritten by Guardrisk Insurance Company Limited, an authorised FSP

Avoid surprises and co-payments

Why worry about co-payments, oncology limits and other healthcare related costs not covered by your option, when for as little as R229 per month, you can enjoy Momentum GapCover? Because gap cover is not medical aid, but an insurance-type solution designed to help you avoid unexpected payment shortfalls, you can be prepared for a wide range of potentially costly surprises.

Momentum GapCover not only covers shortfalls or gaps for medical practitioners in the event of hospitalisation involving surgery or medical treatment, but also certain procedures performed out-of-hospital.

How much?

Principal member up to the age 42    R229
Principal member 42 to 64    R319
Principal members 65 and over    R350

Please note: Premiums for groups of more than 20 members on Momentum Health will be calculated based on the demographics of the group.

For more information, or to join, please speak to your Momentum GapCover accredited adviser.
* 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 membership.

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