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.
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 |
R280 |
R258 |
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 12% cashback at Dis-Chem |
Gym |
Up to 100% back on Virgin Active or Planet Fitness monthly gym fees |
Up to: |
Fitness gear |
Up to 50% back on sports gear, equipment and fitness devices at Sportsmans Warehouse or Totalsports |
Up to: |
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 kulula.com flights |
Up to 50% off Mango flights and up to 40% off SAA flights |
Hotels |
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 |
Movies |
Half price Ster-Kinekor tickets; kids (2–18yrs) free before 7pm |
Nu Metro tickets from R35 |
Other |
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 |
Up to: |
Weekly fitness reward |
Vitality’s minimum reward is a free hot drink at Mugg & Bean, Kauai and vida e caffè |
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.
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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