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Leading a healthy lifestyle, an athletic lady in a red sporting gear, holding her cell phone with earphones in her ears with stairs in the background.

Health rewards with Momentum Multiply

Momentum Multiply brings you great cashback rewards and partner discounts. With Multiply, we’ll help you to kick-start your journey towards making healthier lifestyle choices, so you can reap the benefits.

  • Get rewarded for being active.
  • Earn up to R3 000 per family per month to help pay for day-to-day healthcare expenses.
  • Free yearly health assessment at a Dis-Chem, Clicks or Pick n Pay Pharmacy or Multiply-affiliated pharmacies.

What do I get?

By leading an active lifestyle, you can earn continuous rewards. If you belong to Multiply and Momentum Medical Scheme, you have access to monthly HealthReturns, cashbacks, and discounts from leading brands like Virgin Active, Planet Fitness, Fitbit, Dis-Chem, Smokenders, and more.

Monthly returns for day-to-day healthcare expenses
Up to R3 000*
* Per family, per month, based on Multiply Premier and Momentum Medical Scheme membership.
Partner discounts and cashbacks to complement and boost your healthy lifestyle

Up to 25% off

Virgin active logo

Up to 30% off

Fitbit logo

Up to 12% in cashbacks

DisChem logo

Get 25% off

Smokenders logo

Learn more about what Multiply offers.

How can I get rewarded?

With Multiply you get rewarded when choosing wellness.

By being active, your family can earn up to R3 000 in HeathReturns every month, and up to four free GP visits a year. Your cashbacks and discounts are calculated using the combined results of your Healthy Heart Score, Active Dayz or fitness assessment level, and your Multiply status.

A young woman smiling and holding a sliced watermelon in front of her face to mimic a huge red smile.

Healthy Heart Score

To start earning rewards, simply book your free health assessment, to get your Healthy Heart Score, which gives a good indication of your current heart health. You can get this score by going for a health assessment at a Dis-Chem, Clicks or Pick n Pay Pharmacy, as well as any Multiply affiliated pharmacy. The healthier your heart, the better your score, and the more your rewards!

A woman wearing shorts and a turquoise training gear top, keeping active by running on the pavement next to a clear dam.

Active Dayz™

Active Dayz is our way of rewarding you for being physically active. You get an Active Day when you walk 10 000 steps a day, burn 300 calories, hit the gym, or participate in active events such as marathons and triathlons, or even Parkruns. So, you get to choose the activities you enjoy. Alternatively, Multiply can use the results from your fitness assessment done through the Biokinetics Association of South Africa to calculate your rewards.

Young brunette woman wearing sunglasses, smiling and crossing the street, with the sun shining brightly in the background.

Multiply status

Living a healthy and physically active life will help multiply your rewards. Quite simply, the points you earn will determine your Multiply status or level, which determine your rewards, cashbacks and discounts.

Young lady at a market, wearing a sun hat, having some fun and holding a strawberry in front of each of her eyes.


HealthReturns is a complementary product available from Momentum that helps your family earn up to R3 000 per month, which you can use to pay for day-to-day medical expenses. You can choose to have your HealthReturns paid into your HealthSaver account, which will increase your returns. Alternatively, standard HealthReturns can be paid into your bank account. HealthSaver is a Momentum benefit that you can activate to enhance your medical aid.

A toddler in a red jacket and blue and red sneakers jumping into a small puddle on the pavement and making a splash.


To encourage families to exercise together, Momentum has introduced KidsReturns. Child dependants on certain options can earn HealthReturns per R600 payable for their portion of the contribution, as long as the family is on Multiply Premier and all adult dependants on the membership are earning HealthReturns. This makes it even easier for families to reach the monthly maximum of R3 000 in HealthReturns.

Our rewards partners

From day one, you’ll enjoy great discounts and cashbacks

Life’s more rewarding with discounts from our Multiply partners - you can get up to 12% back in cash when you shop at Dis-Chem or Pick 'n Pay, up to 50% off Mango flights, and much more.

virgin active logo
Smokenders logo
fitbit logo
mango logo
Dischem logo
Pick n Pay logo
NuMetro logo
Takealot logo

HealthReturns Booster benefits

A table showing the six options with Momentum Medical Scheme and the additional GP visits and RateBoosters you can get on each medical aid plan.

On all options except for Ingwe Option, you can qualify for up to 4 free GP visits and the HealthReturns RateBooster, which boosts in-hospital cover for specialists by an additional 100% of the rate paid on your option. In addition, if you have Momentum GapCover, and pay the R750 excess for the co-payment benefit, you will receive R750 HealthReturns+ into your HealthSaver+ account.

Multiply ActivityBooster for under 30s

New Multiply members on Momentum Medical Scheme, will now qualify for the Multiply ActivityBooster. This unlocks additional HealthReturns which they can earn while they get familiar with the programme and improve their Multiply status. This benefit is available to members under 30 years, for their first two years on Multiply Premier.

A table showing how new Multiply Premier and Momentum Medical Scheme members can qualify for the ActivityBooster to earn more rewards.

New Multiply Premier members on Momentum Medical Scheme qualify for the ActivityBooster, helping them achieve the R280 maximum HealthReturns per R600 contribution that members under 30 can earn per month.

Get Multiply

Signing up is easy and just takes a
few minutes.

Need advice?

An accredited healthcare consultant will call you to discuss our medical aid options and benefits.

Contact Momentum Multiply

General enquiry

Business hours are Monday to Friday from 08:00 to 17:00. Closed on weekends and public holidays.

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