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Which Medical Aid Has The Best Reward Programme?

We took a look at the various benefits medical aids offer. Who has the biggest and most rewarding programme?

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May 7th, 2017 by

Medical aids are no longer just about hospital and doctor cover anymore. They have added options to encourage you to live and eat healthy by partnering with various companies. Everything from reduced gym fees, to discounts on healthy groceries from giant retailers, are added to the schemes.

But, there are added options like discounts on movies and flights. So, whose reward programme comes out tops? We take a look.

Momentum Multiply

Momentum offers three different programmes, all increasing in cost.

Package Benefits Fees
Starter 15% off AVBOB funeral services

7.5% off Mango flights

4.5% back in Dis-Chem benefit points

Movies from as little as R44 at Nu Metro



Multiply your Pick n Pay Smart Shopper points up to 4x

Movies from only R33 at Nu Metro

Up to 10% back in Dis-Chem benefit points

Up to 25% off at Edgars, Jet, CNA and many more.

50% off funeral services from AVBOB


Single member: R65

Family of two (main member and partner): R85

Adult dependants (19 years and older): R10 per dependant

Child dependants (younger than 19 years): Free



Up to R12000 back in Health Returns.

Up to 60% off Myriad premiums.

Up to 20% back on your Momentum short-term insurance.

Partner savings include:

Up to 50% off Mango flights

Up to 40% off at Edgars, Jet, CNA and many more

Up to 10X Pick n Pay Smart Shopper points

Fixed 25% off gym fees at Virgin Active and Planet Fitness 

Single member: R195 pm

Family of two: R235 pm

Family of three or more: R265 pm


CLICK BELOW to read how to choose the right medical cover for you.

Discovery Vitality

Discovery partners with various companies for rewards on hotels, flights, and car hire. You are encouraged to work up the levels by maintaining a healthy lifestyle and meeting fitness goals. The higher you move up, the more discount you get. See the various levels below:

  • Blue – 15%
  • Bronze – 20%
  • Silver – 25%
  • Gold – 30%
  • Diamond – 35%
  • Vitality Active Awards – 100%

To move from Blue to Bronze, you will need 10 000 points, 30 000 to get to Silver, and 45 000 to get to Gold. Then, you will need to maintain the Gold standing for three years to reach Platinum.

Partner Discount
Pick n Pay Up to 25% Healthyfood items
Woolworths Up to 25% Healthyfood items
Dis-Chem Up to 25% cash back
Clicks Up to 25% cash back
Sportsmans Warehouse Up to 25% cash back on fitness devices
Totalsports. Up to 25% cash back on fitness devices
Planet Fitness Gym Up to 80% off
JustGym Up to 80% off
Virgin Active Gym Up to 60% off
British Airways,, Emirates and Qantas.


Various Discounts on flights with discounts ranging depending on your status


Various Discounts on flights with discounts ranging depending on your status
Tempest Car Hire


Various Discounts on flights with discounts ranging depending on your status


The scheme also offers various free offers from multiple outlets based on you reaching goals. Should you be achieving weekly goals, you can be rewarded with Kauai, Mugg and Bean, Ster Kinekor, and / or Vida E.

Should you also be meeting weekly fitness goals, as well as hold the discovery credit card, you can claim your free Apple Watch. You will, however, need to meet these goals on a weekly basis for 24 months.

The scheme also offers Flight, Shoe and Gym boosters in which you could get up to 100% cash back on your fees, should you meet the requirements.

CLICK BELOW to read about 10 ways to save on your medical expenses.

Fedhealth Sanlam Reality

This is a lifestyle, wellness, rewards, and financial education programme available to all Fedhealth medical aid members.

Partner Discount
Mango Flights    As much as 30% off
Protea Hotels As much as 30% off
Uber Airport Transfers  As much as 30% off
Emirates Flights                As much as 25% off
Tempest Car Hire As much as 50% off
Bidvest Premier Lounge Free Access
International Travel Insurance   Free Access
Nu Metro Movies and Refreshments 30 tickets (2D or 3D); 30 refreshments combos
Computicket Shows and Sports   Buy one, get one free (up to R300)
Various Dining   As much as R120 off second main meal
Simfy Africa Music Streaming Get six months free
Wi-Fi      Get 1GB free Wi-Fi monthly
Reality Magazine Quarterly


They also offer various rebates on standard products like groceries, fuel, and pharmaceuticals. This does, however, depend on the level that you are on.

  Bronze Silver Gold
Fuel 5.0% 7.5% 10.0%
Pharmacy 5.0% 7.5% 10.0%


Groceries and goods Bronze Silver Gold
≤R5000 1.5% 2.0% 2.5%
R5001 – R10000 3.0% 4.0% 5.0%
≥ R10001 6.0% 8.0% 10.0%