2018 Multiply Premier - Consolidated Retirement Fund
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2018 Multiply Premier
Multiply your money.
Do the things that matter.
UP TO UP TO
60% BACK R2 500 BACK
PER MONTH
UP TO 60% OFF
UP TO 30% BACK
online shop
and many more and many more
counts
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Complete your health and physical
Get
Use your Multiply Visa® Card to pay activity questionnaire
for medical expenses from your
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HealthSaver account Go for your health assessment and
know your Healthy Heart Score
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Use your Multiply Money app or
Multiply Visa® Card to spend your
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rewards and cashbacks know your fitness level, or keep
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Be safe on the road and earn
Safe Dayz™
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Complete your financial wellness
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f your questionnaire
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Earn cashbacks into your ur Be on to Speak to a financial adviser and put a
Multiply Money account Save yo financial plan in place
Earn interest on these savings Use the Multiply Money app to help
from the first cent you budget and spend wisely
d
p en
Pay zero monthly fees
Save or s Have cover with Momentum
Cashbacks into your Multiply Money account coming soon in 2018
1
Why use Multiply
Get rewarded
Use Multiply to get up to up to
more money by doing
the things that matter
12% 25%
on everything with partners
to you – things you in your trolley on our online
already do every day. shop
Multiply is a wellness and rewards Make more Multiply your cashbacks
programme that helps you make the
right choices so that you can live a better,
memories
Save your cashbacks in your Multiply
healthier life, and also gives you the Money account. Earn market-leading
money to help you afford it. Pay less for travel, movies and other
amazing partners while enjoying
interest rates from the very first cent
and pay no monthly fees.
what life has to offer you and
your family. Coming soon in 2018
Access your health Average savings
4000
savings instantly per household
A B SURNAME
No need to use your bank card or wait for a claim. Use your Multiply
Visa® Card to pay healthcare providers, pharmacies and even vets
from the money in your Momentum HealthSaver account.
Get more cover for less GOLD STATUS
up
to R2 500 per
month
up
to 60% off R1 000
per month
er family, back in cash with
p Momentum Myriad life
HealthReturns for day-to-day insurance premiums
healthcare costs if you are a
Momentum Health member
PRIVATE CLUB
STATUS
30% cash back 60% back
R4 000
up up
to to
on your Momentum car and on some of your Momentum
home insurance premiums FundsAtWork and Group Risk per month
premiums with your employer
2 3
What really matters? Status and points
The number of points you need for each status
Private
Bronze Silver Gold Platinum Club
SINGLE 0 250 500 650 750
Be healthier Be safer Be on top of your FAMILY 0 500 1 000 1 300 1 500
finances and a Multiply Premier
member for two years
The higher your Multiply status, the more benefits you will receive in the form of rewards.
It’s simple Multiply points up for grabs
KNOW TRACK SCORE
Know your Track your Improve your Be healthier Be safer Be on top of your finances
starting point progress as you lifestyle and
on your path reach each of get more real
to wellness your goals rewards
200PTS 150PTS 200PTS
Complete the Complete the safety Complete the
physical health and questionnaire online 20PTS Financial Wellness
activity questionnaire questionnaire online 20PTS
online 20 PTS
Know your Safety UP TO
Score 50PTS Go for a yearly
Know your Healthy UP TO review with a
Heart Score 100PTS financial adviser 100PTS
Have a safe day UP TO
80PTS
Have an active day Track how you UP TO
The benefits don’t just add up, or go for a fitness UP TO spend your money 80PTS
assessment 80 PTS
they Multiply.
Get more
Join Multiply today and get more money.
SMS ‘JOIN’ to 40717
Visit multiply.co.za
500PTS
Speak to your financial adviser Per Momentum product category
5
Love your heart and know your
Healthy Heart Score.
Be healthier Healthy Heart Score
Live a longer, healthier life. Your Healthy Heart Score gives you an indication
We will help you make enough of your heart health. It shows you if you are causing
long-term damage to your heart and your risk of What you get for your Healthy Heart Score
money to afford it.
developing cardiovascular disease. You will earn points to help boost your Multiply status.
Go for your health assessment to get your
Healthy Heart Score, so that you can take action.
You’re doing great.
All your cardiovascular
KNOW
Where to go for your health assessment disease risk factors are
• Complete your online health and activity
You can get your health assessment done at
Green under control for now. 100PTS
questionnaire
any Dis-Chem, Clicks or approved independent
• Go for your health assessment to get your pharmacy.
Healthy Heart Score
Multiply Premier members and their partners
There is room to improve.
are each entitled to one free health assessment
You should take action to
per year.
reduce your cardiovascular
TRACK Amber disease risk factors. 60PTS
Be active and get Active Dayz™ or go for a What the health assessment measures
fitness assessment
The nurse will measure your: You could be doing a lot better.
• Blood pressure You need to take strong
• Total cholesterol action to reduce your
SCORE cardiovascular disease
• Glucose
Red risk factors. 30 PTS
• Get up to R2 500 a month per family in • Height, weight and waist circumference.
HealthReturns to pay for day-to-day This, together with your gender and age, will
healthcare costs be used to calculate your body fat percentage.
• Get up to 60% off your Momentum Myriad life The nurse will also ask about your smoking status.
insurance premiums
• Get up to 60% back in EmployeeReturns with
Momentum FundsAtWork and Group Risk
• Get up to 200 points to help you improve your
Multiply status to get even more rewards
STATUS
Healthy Heart Score Active DayzTM or fitness level Your Multiply status
7
No matter how you move, you’ll still score. Fitness assessment
Be physically active through Active Dayz™. It’s your choice:
How do you want to earn Active Dayz™? The fitness assessment is an alternative to Active DayzTM if you live an
active lifestyle, but are unable to track it. You will get your fitness level,
which is valid for six months.
Run, cycle, swim, chase the kids, dance or
skip – if you burn 300 calories in a session, Where to go for your fitness assessment
you get an active day. Find a biokineticist close to you and book your session through SA’s
CALORIES Link your device to track. largest Biokineticist Association (BASA):
BURNED
Visit https://basa.recomed.co.za
Call 064 751 1349
Email biobookings@biokineticssa.org.za
Get Active DayzTM when you gym at any
Virgin Active, Planet Fitness, Curves, Multiply Premier members and their partners each pay only R190 for
GoHealth or any Multiply affiliated gym. a fitness assessment.
Visit multiply.co.za for a complete list of
GYM VISIT affiliated gyms.
What the fitness assessment measures
The Biokineticist will measure your:
Use one of our approved apps or
devices to count the number of steps • Blood pressure
you take per day. Get to 10 000 and • Flexibility
you’ve got your active day.
• Lung function using peak flow
STEPS TAKEN
TODAY Link your device to track. • Height, weight and waist circumference (This, together with your
gender and age, will be used to calculate your body fat percentage.)
• Cardiac efficiency
From triathlons to marathons,
duathlons and more – any qualifying What you get for your fitness level
event, registered online through You will earn points to boost your Multiply status.
EVENT Entrytime, will give you an active day.
FINISHED
Level 1 Level 2 Level 3 Level 4 Level 5
5 10 20 30 40
What you get for your Active Dayz TM
You will earn 1 point for each active day, with a maximum of 80 points for the year.
Get your fitness device today
STATUS
Track your physical activity to start earning your Active DayzTM. Link your device
or buy an approved fitness device on the Multiply online shop at a discounted price. Healthy Heart Score Active DayzTM or fitness level Your Multiply status
Log into multiplyonlineshop.co.za and start shopping.
8 9
Understand your safety
with the Safety Score.
Be safer Safety Score
Live a better, safer life – Protect what matters to you Get cash back, even if you claim
and we’ll reward you. and we’ll reward you with Even if you claim, you can get a yearly
points and give you cash back. cashback safety bonus on your Momentum
car and home insurance premiums.
How to get your Safety Score
Our Safety Score questionnaire makes you aware
To qualify for the safety bonus,
KNOW of the safety of your environment and gives you you need to:
recommendations to improve your safety. • Complete and validate your safety
Complete and validate your safety questionnaire
online to get your Safety Score The questionnaire covers the following: questionnaire online, to get your
Safety Score
• Personal safety
• Have Safe Dayz™ to maximise
• Vehicle safety
your safety bonus
• Home and environment safety
TRACK
Be safer with Safe Dayz™
SCORE
• Get up to 150 points to help you improve your
Multiply status to get even more rewards
• Get up to 30% of your Momentum car and home
insurance premiums back in cash
STATUS
Safety Score Safe DayzTM Your Multiply status
10 11
Be safer with Safe DayzTM
Drive, take a bus, train, taxi or stay home – just be safe.
DRIVE TAKE THE HAVE A DRIVE-
SAFELY TRAIN FREE DAY
Drive safely according to the rules If you travel by train, you When you stay home and
of the road. If you’re a passenger, will automatically score don’t travel on the roads,
your trip score will be calculated 100% for the train trip. you are automatically
on the driver’s behaviour... allocated Safe Dayz™.
because we want you to be safe,
however you travel.
How Safe Dayz™ are calculated
You will get a score for each trip you make during the day. If your average score for all your trips that day is
60% or more, you have a safe day.
Earn Safe Dayz™ today
You will earn 1 point for each safe day, with a 1. Open your Momentum app (or download it for free
maximum of 80 points for the year. from your Google Play Store or Apple App Store)
No need for additional devices or software and no 2. Activate Safe DayzTM
monthly fees. 3. Be safe and start earning Safe DayzTM
The information we use to score your safety is only
for rewards and will not affect your Momentum car
and home insurance claims.
STATUS
Safety Score Safe DayzTM Your Multiply status
12 13
How financially savvy are you?
Be on top of Financial Wellness questionnaire
Multiply’s Financial Wellness questionnaire helps
Go for a review with a financial adviser
Everyone’s financial needs are different. A financial
your finances you to understand your current financial status
and will teach you how to take control of your
adviser will help you to set up a financial plan
tailored to suit your unique needs.
own finances.
Go for a review with a financial adviser once
Let us help you have enough money Complete the Financial Wellness questionnaire a year to see if you are on track to meet your
for today and for tomorrow. online once a year to get points and know your score. financial goals.
KNOW
• Complete your Financial Wellness questionnaire
Multiply Money app
online
• Review your needs with your financial adviser Wouldn’t it be great to have an easily accessible, consolidated view of all your
finances… in your pocket? Well, now you can with the new Multiply Money app.
TRACK What can I do with the Multiply Money app?
Know where your money goes with the Multiply Get one complete view Get tips
Money app
Link your bank accounts to get a We will give you tips on how you’re
consolidated view of all your finances. spending your money to help you make
better decisions.
Automatic categorisation
SCORE Spend your cashbacks
Your transactions are automatically
Get up to 200 points to improve your Multiply grouped into budget categories, making Transfer money from your Multiply Money
status to get even more rewards it easier to see how you spend your savings wallet to your payment wallet.
money and to set a budget. Use your digital payment option at a
qualifying retailer to pay for your goods.
Have fun while saving money
Challenge yourself to spend less and
save more.
Log in with your existing
momentum.co.za credentials
(or register on the app).
14 15
Product rewards
Momentum Myriad, FundsAtWork and Group Risk HealthReturns
HealthReturns payable into your HealthSaver account for every R500 medical scheme contribution
Private
Bronze Silver Gold Platinum Club
Healthy Heart Active DayzTM or
Score fitness assessment
Private
Bronze Silver Gold Platinum Club
Healthy Heart Active DayzTM or Standard
Score fitness assessment HealthReturns
16+ p.m.
20% 25% 30% 40% 60%
Green Amber Red or Level 5
16+ p.m.
12+ p.m.
R40 R40 R50 R100 R150 R250
Green Amber Red or Level 5
15% 20% 25% 30% 40%
or Level 4
12+ p.m.
Green Amber Red
8+ p.m. R20 R20 R30 R60 R100 R150
or Level 4
or Level 3
10% 15% 20% 25% 30%
Green Amber Red
8+ p.m.
4+ p.m. or Level 3
R10 R10 R20 R30 R45 R60
or Level 2
5% 10% 15% 20% 25%
4+ p.m.
Green Amber Red
0+ p.m. or Level 2
R5 R5 R10 R15 R20 R30
or Level 1 5% 10% 15% 20% 25%
Green Amber Red
0+ p.m.
Note for Myriad: If you do not have a Healthy Heart Score, your discounts will be based on a red Healthy Heart Score. Active DayzTM will be averaged over a six-month period from January or Level 1 R0 R0 R0 R0 R0 R0
to June and again from July to December. In calculating the average, the worst month of activity is ignored. Your discount during the first half of the calendar year will be based on your
average between July and December of the previous year, and your discount during the second half of the year on the average between January and June. If you were a Multiply member
for less than six months, the average calculation will be based proportionately on the number of months you were a Multiply member. To protect you from a premium increase during the
HealthReturns are paid into your Momentum HealthSaver account.
calendar year, any decrease in your scores (Healthy Heart, average Active DayzTM or fitness level) will not affect your discount during a calendar year; and this will explain any difference
between your actual Multiply scores and the ones used by Myriad. You can improve your discount in the middle of the year by improving your average Active Dayz™ over the preceding six- Momentum Health is a separate entity from Momentum. HealthReturns is a complementary product available from Momentum.
month period. You can also improve your discount at any stage if you go for a health or fitness assessment with an improved outcome or improve your Multiply status.
Your HealthReturns depend on your Momentum Health contribution
Momentum car and home insurance
For every R500 you contribute to Momentum Health, you will get HealthReturns paid into your HealthSaver
account. This applies to the principal member and adult dependant contributions. A principal member who
Private is as active as an adult dependant can get more HealthReturns because of the lower contribution that the
Bronze Silver Gold Platinum Club dependant pays.
Safety Score
>=26
Green Amber Red Purple
>80%
p.m. 10% 10% 15% 22,5% 30% EXAMPLE
Momentum Health option: Incentive Associated hospitals State chronic
21 - 25
71% - 80%
p.m. 5% 5% 10% 15% 20% Activity level: 16+ Active Dayz™ per month or Level 5
Green Amber Red Purple
Multiply Premier status: Private Club
16-20
55% - 70% 0% 2,5% 7,5% 12,5% 15%
Green Amber Red Purple p.m
CONTRIBUTION CALCULATION HEALTHRETURNS CALCULATION
11 - 15
0% 0% 5% 7,5% 10% Principal member
p.m
R1 834 per month 1 834 ÷ 500 = 3 3 x R250 = R75016 17
Discount partner rewards Retail partner rewards
Life’s more rewarding with discounts
Private
and benefits from over 60 partners. Bronze Silver Gold Platinum Club
TRAVEL SPORT AND FITNESS
2% 4% 6% 8% 12%
Spend limit
SINGLE R2 000 per month FAMILY R3 000 per month
Up to 50% off Up to 40% off Up to 40% off 25% off
Spend limit
R1 750 per month
Up to 100% off 25% off
Up to 45% off (Promotion for 12 months)
ENTERTAINMENT FITNESS DEVICES
Online shop vouchers
Up to 80% off Private
Pay as little as R30 Momentum sponsored cricket matches Up to 30% off Bronze Silver Gold Platinum Club
ELECTRONICS AND APPLIANCES KIDS AND EDUCATION
10% 12,5% 15% 20% 25%
Spend limit
SINGLE R20 000 per year FAMILY R30 000 per year
Up to 30% off 20% off Up to 25% off Up to 15% off
Cashbacks coming soon in 2018
SAFETY AND SECURITY MAGAZINES
20% off 22,5% off Up to 60% off
And many more...
Visit multiply.co.za for a complete list of partners.18 19
Earn, save, spend...
Multiply your money
Save your With your Multiply Money account, you now have all your qualifying partner
cashbacks in one place. It’s your money. Save it or spend it...the choice is yours.
savings and All Multiply clients get a Multiply Money account with zero monthly fees. The account will give you access
to a savings wallet and a payment wallet.
watch your
money grow
• Get partner cashbacks paid directly into the savings wallet in your Multiply Money account.
• Earn market-leading interest on the money in your savings wallet from the first cent.
Save your partner cashbacks
or spend them anywhere
you want.
EARNING YOUR Multiply online shop
CASHBACKS Log into the Multiply online shop and
shop for your favourite vouchers
90
6 78
123 45
Multiply partners
Swipe your Multiply membership card or your Multiply
co-branded card when you shop at Pick n Pay or Dis-Chem
YOUR MULTIPLY MONEY ACCOUNT
Transfer the money you need, when you need it
SAVINGS PAYMENT
WALLET WALLET
SPEND
SAVE
Earn market-leading Use your money here
interest and let your when you want to spend
money grow * not interest earning
Or, transfer it back if you don’t
Use the digital payment option on your USING YOUR
Multiply Money app at a qualifying retailer CASHBACKS
Use your Multiply Visa® Card anywhere
Coming soon in 201820 21
Ready, steady gold
Here’s how you can earn 500 points as a single member or 1 000 points as a family to get to gold.
Swipe...when you
want, how you want Do your online
SINGLE FAMILY
questionnaires 60PTS 120PTS
SINGLE FAMILY
Go for a review with
a financial adviser 100PTS 200PTS
SINGLE FAMILY
Know your Healthy Heart
Score and score green 100PTS 200PTS
SINGLE FAMILY
Have 3 products with
Momentum 210PTS 420PTS
Multiply Visa® Card
SINGLE FAMILY
Your Multiply Visa® Card gives you instant access to the funds in your Momentum Know your Safety Score
HealthSaver account, as well as access to the funds in your Multiply Money and score above 70% 40PTS 80PTS
payment wallet.
510PTS 1 020PTS
One card, two ways to use it: How do I apply for my Multiply Visa® Card?
• Pay for medical expenses: As a Momentum Visit multiply.co.za/multiplyvisacard
Health member, you can now swipe your card
at a healthcare provider, pharmacy or even Call 086 011 1183 Multiply Premier membership contributions
a vet in South Africa using the funds in your
Momentum HealthSaver account.
• Spend your cashbacks anywhere: Use your
Multiply Money app to transfer money from
your savings wallet to your payment wallet – FAMILY OF 3+
SINGLE FAMILY OF 2
and swipe to pay for your goods.
R219 R269 R299GET IN TOUCH Contact your financial adviser to find out more about Multiply’s partners and incredible rewards, call 0861 88 66 00 or visit multiply.co.za #LifeMultiplied 268 West Avenue Centurion 0157 PO Box 7400 Centurion 0046 South Africa Tel +27 (0) 12 671 8911 Contact centre 0861 88 66 00 multiply@momentum.co.za multiply.co.za MMI Multiply (Pty) Ltd, is a wholly owned subsidiary of MMI Group (Pty) Ltd Reg. No. 1904/002186/06 E & OE. Terms and conditions apply. Visit multiply.co.za for full details. MMI Group is an authorised financial services and credit provider. 819 Multiply2018.V38_CHGW
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