Medical Aid Lifestyle Rewards Compared

Lifestyle rewardsTop-ranked South African medical aid schemes offer members incentives to boost their health and wellbeing. They promote and support preventative health care, recognising that often prevention is better than cure. When choosing a medical aid provider, it’s worth comparing the benefits and fee structures of the lifestyle reward programmes on offer. Depending on your needs, this type of programme may add to the value of a medical aid package.

Medical lifestyle reward programmes typically offer cash back and discounts on various products and services. Most are multi-tier, points-driven programmes, where the more points you earn, the greater the rewards you’ll receive.

Here we assess and compare the lifestyle rewards programmes of four of South Africa’s leading medical aid providers.

Discovery Vitality

The Vitality programme offered by Discovery Health is a standard points-driven programme. It assigns members one of five status levels – blue, bronze, silver, gold or diamond. Members are encouraged to participate in health, fitness and nutrition assessments, sign up for the Vitality LiveWell programmes and use Vitality partners to earn points.

Partners range from health and fitness providers, travel and leisure partners to popular retail stores. Members can also earn cash back by using DiscoveryCard, the Discovery Health branded credit card.

The Vitality fee structure for 2014 is as follows:

  • Member - R169
  • Member plus one - R199
  • Member plus two or more - R225 

Momentum Multiply

Multiply is the programme offered by Momentum Health. It offers discounts on products and services provided by more than 40 partners in the travel, leisure, activity and retail and online shopping sectors.

Multiply is a points-based programme. Members earn points by undergoing free or discounted health assessments and getting active at participating gyms, adventure boot camps or sporting events. Members are assigned to one of five tiered status levels. The higher a member’s status, the greater the rewards.

The 2014 fee structure for the Multiply programme is as follows:

  • Single member – R159
  • Two members – R184
  • Families of three or more – R194

Resolution Zurreal4Life

Resolution Health offers three health and wellness programmes under the Zurreal4life label:

  • Zurrela4Life – a free entry-level wellness programme
  • Zurreal4Life Gold – an enhanced programme at a cost of R90 per family per month
  • Zurreal4Life Platinum – a premium programme at R188  per family per month

Rewards are commensurate with the programme level but all offer discounts at over 700 partners in the health and wellness, education, shopping and support and assistance sectors.

Gold and Platinum members benefit from rewards and rebates paid directly into a special Visa debit card, the Zurreal HealthCard. Cash back can be used to pay any medical service provider, and positive balances attract interest.

Additional benefits that are exclusive to Gold and Platinum members include

  • travel partner discounts
  • free roadside assistance
  • home drive services
  • rebates on outdoor sporting activities
  • health check rewards

Platinum members can also choose from one of a set of benefits that includes an education rebate, gym rebate or subsidised cell phone package.

Liberty Own Your Life

Liberty Health’s rewards programme, Own Your Life, is unique in that it doesn’t involve accumulating points and doesn’t include status tiers to negotiate. All members enjoy the same benefits. These include savings and discounts of up to 80% on products and services from more than 70 partners in the shopping, leisure, fitness, travel and education sectors.

The current fee structure for the Own Your Life programme is as follows:

  • Single main member – R149
  • Family membership – R213
  • Additional child dependent – R77    

Contact one of our consultants today to learn more about medical aid lifestyle rewards programmes or to compare medical aid schemes. We’ll help you find the best options for your needs.