How Rewarding Are SA’s Biggest Medical Aid Rewards Providers Right Now

Woman at gym compares the benefits offered by Discovery Vitality, Sanlam Reality and Momentum Multiply


Discovery Vitality vs Momentum Multiply: we compare SA's two biggest medical aid rewards programmes in the time of COVID-19 and beyond.


South Africa's two biggest medical aid rewards programmes, Discovery Vitality and Momentum Multiply, compared side by side – which one is best for you? Here's a look at how they compare.


Comparing Discovery Vitality and Momentum Multiply


Medical aid lifestyle rewards programmes typically offer cashbacks and discounts on various products and services. Most are multitiered, points-driven programmes, where the more points you earn (by maintaining healthy habits), the greater the rewards you receive.



Discovery Vitality

Momentum Multiply (Premier)

Available to

Discovery clients and members of a number of qualifying medical schemes. (Also available on car insurance with Vitality Drive, Discovery Bank with Vitality Money and Discovery Life and Retirement products.)

Momentum clients and members of a number of qualifying medical schemes. (Also available on other Momentum short term and long term products.)

* Price per month



Groceries cashback

Up to 75% back on healthy-food spend at Pick n Pay or Woolworths

Up to 12% cashback at Pick n Pay

Pharmacy cashback

Up to 50% back on personal- and family- care items at Clicks and Dis-Chem
Up to 50% back on selected health-monitoring devices for Vitality 65+ members

Up to 12% cashback at Dis-Chem


Up to 100% back on Virgin Active or Planet Fitness monthly gym fees
No joining fee at Curves
Free online gym classes with Vitality at home

Up to:
• 25% off Virgin Active or Planet Fitness gym fees
• 25% off at Curves

Fitness gear

Up to 50% back on sports gear, equipment and fitness devices at Sportsmans Warehouse or Totalsports
Up to 100% back on fitness devices, or up to 100% back on running shoes or up to 25% back on a bicycle from Cycle Lab

Up to:
• 40% off Garmin gear
• 25% off at Cycle Network
• 30% off Fitbit and Polar products
• 25% off at the Pro Shop

International flights

Up to 75% saving on British Airways, Qantas and Emirates flights

Up to 40% off on Emirates flights

Local flights

Up to 75% off flights

Up to 50% off Mango flights and up to 40% off SAA flights


Up to 35% saving on accommodation through the Vitality Hotel Collection

Up to 45% off Protea Hotel and City Lodge Hotel Group rates

Car hire

Up to 35% saving at Europcar and Tempest Car Hire

Up to 40% off at Avis


Half price Ster-Kinekor tickets; kids (2–18yrs) free before 7pm

Nu Metro tickets from R35


Up to 25% back on qualifying HealthyDining meals through Uber Eats and partner restaurants. Plus Vitality Kids get up to 50% back on qualifying meals
Vitality/Apple Watch reward: pay off an Apple watch by reaching weekly exercise goals over 24 months
Vitality 65+ members get a full refund on their Apple Watch activation fee

Up to:
• 25% off at Edcon
• 20% off on Samsung products and gear

Weekly fitness reward

Vitality’s minimum reward is a free hot drink at Mugg & Bean, Kauai and vida e caffè
Save up to 25% on selected weekly rewards based on your status level on Vitality Active Rewards

Multiply’s Weekly Wins reward is vouchers for any hot drink at Wimpy

* Per month, per single member; other savings on the programmes are subject to the rewards level a client achieves through meeting their exercise goals and undergoing certain health checks.


Make the most of what you've got


Remember, the real value of a lifestyle incentive programme is in changed behaviour that results in a healthier lifestyle. Rewards programmes are of little value if you're not engaged or don't understand how to optimise the benefits of the programme. The positive consequences of achieving defined goals to earn discounted prices or free rewards are healthy behaviour – including physical activity – healthy eating, managing stress and regular medical screening for early detection of illnesses.


Of course how you choose your medical aid, in a pandemic or otherwise, should be based on how you'll be covered when you get sick or are facing a medical emergency. You need to consider which medical scheme offers the best cover for your lifestyle, and your budget.


Our unbiased and free comparison tool allows you to compare medical aid quotes side by side and choose the one that will fit your needs. Our qualified advisory team can assist you with guidance and recommendations.


This article is for informational purposes only and should not be construed as financial, legal or medical advice. Information correct at the time of writing. Keep an eye on the various brand websites for changes and updates to rewards programmes.

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