Designed to complement - Complementary products - Wooltru
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Designed to complement Complementary products
2
Page
4 Momentum Multiply
Multiply is a lifestyle rewards programme
that guides, motivates and rewards you for
taking everyday steps to live a better and
happier life on your journey to success.
8 HealthReturns
Invest in your health for great returns
Index
12 HealthSaver
Save for additional healthcare expenses
14 Hello Doctor
Talk to a doctor on your phone, anytime,
anywhere, in any language - for free
You may choose to make use of additional products The complementary products are not medical scheme
available from Momentum Metropolitan Holdings benefits.
Limited (Momentum), to seamlessly enhance your
You may be a member of Wooltru Healthcare Fund
medical aid.
without taking any of the complementary products.
Momentum is not a medical scheme, and is a separate
entity to Wooltru Healthcare Fund.
Momentum Multiply
Overview
As a member of Wooltru Healthcare Fund, you automatically qualify for
free Multiply Starter.
Multiply is a rewards programme that guides, motivates and rewards you
for taking everyday steps to live a better and happier life on your journey to success.
As a Multiply member, you get cashbacks and discounts on Momentum
products, at a wide range of partners and on the Multiply online shop.
First step to earning rewards
1. Register online
Get access to all your Multiply benefits.
• Go to multiply.co.za and click on LOGIN/REGISTER.
• Complete your online profile and choose a username and password.
• You will get an activation email.
• You’re ready to start shopping on our Multiply online shop.
Tip: You can also use your existing momentum.co.za credentials to log in to the Multiply
website. Remember to keep your username and password in a safe place.
2. Download the Momentum Multiply App
Multiply your life on-the-go.
• Download the Momentum Multiply App from your Android or iOS app store.
• Log in using your existing momentum.co.za or multiply.co.za credentials or
register on the app.
• With the Momentum Multiply App, you can:
• view your rewards and activate benefits.
• manage your cards and linked devices/apps.
3. Activate your Dis-Chem benefit to earn cashbacks on your purchase
• Log into multiply.co.za or the Momentum Multiply App, go to Rewards > My Partner
Rewards > Dis-Chem and click on Activate.
• Your details will be verified and successful activation will be confirmed.
• Collect your Multiply/Dis-Chem co-branded card from any Dis-Chem store nationwide
or register on the Dis-Chem website or app to get a digital Multiply/Dis-Chem
co-branded card. The digital card can be used for both in-store and online shopping.
• Swipe your co-branded card before you pay.
• Enjoy 2% in cashbacks on your qualifying spend, transferred directly into your Multiply
Money savings wallet.
Visit multiply.co.za for full details. E & OE. Terms and conditions apply.
Momentum Multiply (Pty) Ltd is part of Momentum Metropolitan Holdings Limited.
4
Plan comparison
See how you can multiply your money when
you upgrade to Multiply Premier
StarterStarter Premier
Cashbacks
2% Up to 12%
Up to 12%
Up to 12%
Discounts
7,5% Up to 50%
15% off
10% off gym fees 25% off gym fees
4% off Up to 15% off
Choose cashbacks or discounts on vouchers from the Multiply online shop
2% Up to 12%
2% Up to 15%
15% off 15% off
5% Up to 25%
Multiply Premier
Starting at only R268 per month, Multiply Premier gives SINGLE FAMILY OF 2 FAMILY OF 3+
you the best rewards on Momentum products as well R268 R340 R372
as exclusive partner discounts and cashbacks.
Visit multiply.co.za to view all partners and for information on how to upgrade your membership.
Get Multiply now!
Apply online at multiply.co.za | SMS MULTIPLY to 40717 | Email multiply@momentum.co.za
Call 0861 88 66 00
Momentum Multiply (Pty) Ltd is part of Momentum Metropolitan Holdings Limited
Reg. No. 1971/006353/07
E & OE. Terms and conditions apply. Visit multiply.co.za for full details.
5
There’s a reward for that
The more points you earn, the higher your status
and the greater your rewards.
When you take steps to...
save more live healthier be safer
you earn points to boost your status and earn more rewards
Earn points
Improve status
Get cashbacks and discounts
6
Multiply Premier Overview
Multiply Premier is a rewards programme that guides, motivates and rewards you for taking everyday steps to live a better
and happier life on your journey to success.
As a Multiply member you get cashbacks and discounts on Momentum products, at a range of partners and on the
Multiply online shop.
Get cashbacks Enjoy discounts
Retail Multiply online shop
FITNESS DEVICES
Up to 40% back
HOMEWARE VOUCHERS
and many more!
Up to 20% back Up to 25% back
and many more...
Up to 12% back on Get up to
R3 000
your whole basket
Deposit money into
Multiply Money to top up
your savings. per family in
HealthReturns
Get a safety
Multiply Money bonus of up to per month
Transfer to pay 30% Get up to
50%off
flights
Savings wallet
SPEND
It’s easy to spend your
SAVE
money at any time.
Earn great interest to Transfer to save
Get up to
25%
grow your money from
off
60%
Payment wallet
the first cent.
monthly gym
discount on Myriad
fees life insurance
policies
3 ways to spend your money Visit multiply.co.za for full details.
E & OE. Terms and conditions apply.
Momentum Multiply (Pty) Ltd is part of
Momentum Metropolitan Holdings Limited.
Make mobile Pay on the Multiply Send money to friends
payments online shop who have Multiply
Money
Multiply Premier status and points
The number of points you need for each status
Bronze Silver Gold Platinum * Private Club
Single 0 250 500 650 750
Family 0 500 1 000 1 300 1 500
* Get to Private Club status when you have been a Multiply Premier member for 2 years or more.
Multiply Premier lets you earn points to boost your status. The higher your status the greater your rewards.
Visit multiply.co.za from 1 January 2021 for details on how to earn and increase your points across these statuses.
7
HealthReturns is not a medical scheme benefit. It
HealthReturns Overview
is a voluntary complementary product offered by
Wooltru Healthcare Fund.
Invest in your health for great returns
Momentum’s lifestyle rewards programme, Multiply, combined with HealthReturns and
HealthSaver, unlocks health, wealth and many more rewards.
KNOW Go for your health risk assessment to get your Healthy Heart Score from Multiply
TRACK Be active with Multiply and earn Active Dayz or go for a fitness assessment
SCORE Earn HealthReturns to pay for day-to-day healthcare costs
Healthy Heart Score
Your Healthy Heart Score, along with your activity level, Multiply
status and the contribution you pay, determines how much you can
earn in HealthReturns. It could be as much as R3 000 per family per
month!
This score also gives you an indication of your heart health. It may
indicate if you are causing long-term damage to your heart and your
risk of developing cardiovascular disease.
Go for your health risk assessment to get your Healthy Heart Score, so
that you can take action. What you get for your Healthy
Heart Score
Where to go for your health risk assessment Just for doing your health risk assessment and 30PTS
• You can have your health risk assessment done at a Dis-Chem, getting your Healthy Heart Score, you will get
Clicks, Pick n Pay or MediRite pharmacy clinic, Multiply-affiliated 30 points. Plus, you can earn additional points
depending on your Healthy Heart Score result.
pharmacy or Multiply health professional (visit multiply.co.za for
a list of pharmacies or the closest health professional to you). You
can even book online at momentum.co.za to have your health risk
assessment done at a Clicks or Dis-Chem pharmacy clinic.
You’re on track. 70PTS
Your cardiovascular disease risk
• At a Momentum wellness day at your place of work. factors are under control for
• You can also go to your GP, who can send the results to us via Green now.
email, phone or by uploading it to our website.
What the health risk assessment measures There is room for 30PTS
improvement.
The nurse will measure your: You should take action to reduce
• Blood pressure Amber your cardiovascular disease risk
factors.
• Total cholesterol
• Glucose
You could be doing a
• Height, weight and waist circumference. This, together with your
lot better.
gender and age, will be used to calculate your body fat percentage.
You need to take strong action
The nurse will also ask about your smoking status. Red to reduce your cardiovascular
Further testing or treatment may be required in order to earn disease risk factors.
HealthReturns.
8
Active DayzTM
No matter how you move, you’ll still score.
Be physically active with Active Dayz. It’s your choice: How do you want to earn Active Dayz?
Run, cycle, swim, chase the kids, dance Get your fitness
or skip – if you burn 300 calories in a device today
300 session, you get an active day.
calories Track your physical activity to start earning
burned Link your device on multiply.co.za or your Active Dayz. Link your device on
multiply.co.za to track or use your HealthSaver
funds to buy an approved fitness device on the
Get Active Dayz when you gym at any Multiply online shop at a discounted price.
Virgin Active, Planet Fitness, Curves or
Log into multiplyonlineshop.co.za and
01 any Multiply-affiliated gym.
start shopping.
gym visit Visit multiply.co.za for a complete list of
affiliated gyms. Fitness assessment
You can also go for a fitness assessment
Use one of our approved apps or
through Multiply’s health professionals
devices to count the number of steps
network.
10 000 you take per day. Get to 10 000 and
you’ve got your active day. Visit multiply.co.za for a complete list of
steps taken
today health professionals. The best result of either
Link your device on multiply.co.za or
your fitness assessment or your Active Dayz
will count towards your HealthReturns.
The fitness assessment is an alternative to
From triathlons to marathons, duathlons
earning rewards and points through Active
and more – any qualifying event,
Dayz if you live an active lifestyle, but are
01 registered online through Entrytime, will
unable to track it. You will get your fitness
event give you an active day. Or complete a
finished level, which is valid for 12 months.
Parkrun and enter your barcode on the
FitVault app to get your active day. You
can get more points for completing a Unlock more Active Dayz
high-endurance elite event. Do your fitness assessment or complete an
actvity or event.
Rewards
Healthy Active Dayz Your Multiply
Heart Score or fitness level status
Multiply Weekly Wins – in it to win it!
Weekly Wins rewards Multiply Premier members for consistent physical activity.
Momentum Multiply app
The Momentum Multiply app offers a quick and easy way to engage with Multiply
and make the most of your benefits and rewards.
Download it from the Play Store for Android phones, or the App Store for iPhones.
9
HealthReturns
Overview (continued)
How much can you earn?
HealthReturns payable per R630 medical scheme contribution
Active Dayz Active Dayz
or fitness or fitness
assessment assessment Bronze Silver Gold Platinum Private Club
16+ p.m.
Green Amber Red or Level 5 R50 R70 R110 R160 R260
12+ p.m.
or Level 4+ R30 R35 R70 R105 R160
Green Amber Red
8+ p.m.
or Level 3+
R12 R23 R33 R47 R65
4+ p.m.
or Level 2+
R5 R10 R15 R20 R30
Green Amber Red
0+ p.m.
or Level 1+
R0 R0 R0 R0 R0
Standard HealthReturns are
Example 1
paid if you do not have Multiply
Premier membership. Option Comprehensive Option (Wooltru Healthcare Fund)
Activity level Level 5
You can earn HealthReturns per
R630* contribution that you Multiply Premier Status Private Club
pay as the principal member. Healthy Heart Score Green
If your spouse and/or adult Principal member contribution R4 849 / R630 = 7 R260 x 7 = R1 820
dependants are covered on Adult dependant contribution R4 704 / R630 = 7 R260 x 7 = R1 820
your membership, they can Child dependant contribution R1 614 / R630 = 2 R260 x 2 = R520
also earn HealthReturns per
Total HealthReturns payable per month R4 160
R630* payable for their portion
of the contribution. On certain Maximum monthly HealthReturns R3 000
options, your child dependants
can also earn HealthReturns
Example 2
based on their portion of the
contribution (up to a maximum Option Comprehensive Option (Wooltru Healthcare Fund)
of 3 children). Activity level Level 5
*Excluding late joiner penalties Multiply Premier Status Gold
Healthy Heart Score Green
Principal member contribution R4 849 / R630 = 7 R110 x 7 = R770
Adult dependant contribution R4 704 / R630 = 7 R110 x 7 = R770
Child dependant contribution R1 614 / R630 = 2 R110 x 2 = R220
Total HealthReturns payable per month R1 760
Multiply ActivityBooster
New Multiply Premier members qualify for
Criteria What do you get?
the ActivityBooster, helping them achieve
R280 maximum HealthReturns per R630 Principal members and
contribution that members under 30 can adult dependants under 30 R10 per active day, times
earn per month. every R630 of your
Every active day from 20 per month
portion of the medical aid
For the first 2 years of contribution
Multiply Premier membership
10KidsReturns rewards active families
Available on the Comprehensive Option only.
How are KidsReturns calculated?
younger than 16 Family
Bronze Silver Gold Platinum Private Club
Multiply
status
Kids
Healthy
Children younger than 16 earn KidsReturns based on the adult that has the
Heart Score & lowest combined Healthy Heart Score and Activity Level in the family
Activity level
Family
Bronze Silver Gold Platinum Private Club
Multiply
status
Healthy
The lowest Healthy Heart Score in the family
Heart Score
Children 16 to 20 earn their own activity level as follows:
16 to 20
Kids
Burning 300 calories in a session or taking 10 000 steps a day. Tracked
through approved fitness devices or apps
Activity
Gym visits at Virgin Active and Planet Fitness, provided that one of
level
the parents on the membership is a member at the selected gym. Or
children can download the FitVault app and visit a Multiply affiliated gym
Any qualifying
Using the FitVault app to track Parkruns and
events that
Racetec timed
activity at the following events: events
are logged via
EntryTime
How does To encourage families to exercise together, Wooltru
it work? Healthcare Fund has introduced KidsReturns.
To activate the benefit, Child dependants on certain options can earn
members need to complete HealthReturns per R630 payable for their portion of the
their child’s health profile contribution, as long as the family is on Multiply Premier
once a year on and all adult dependants on the membership are earning
multiply.co.za. HealthReturns. This makes it even easier for families to
reach the monthly maximum of R3 000 in HealthReturns.
11HealthSaver Overview
Save for additional healthcare expenses
The HealthSaver account lets you save for medical expenses such as co-payments, cosmetic
surgery, vitamins and other procedures that are excluded on your option, provided you have
accumulated sufficient funds to do so.
Not only can you choose the amount to contribute, according to your own needs and pocket,
but seamless integration with your medical scheme means it is the most convenient way to
pay for treatments and procedures not covered by your option.
HealthSaver can be added to the Saver and Comprehensive options.
What makes HealthSaver unique and different to your medical scheme savings account?
Medical scheme savings account HealthSaver
Limited to a fixed maximum contribution per month Totally flexible, based on your needs and level of affordability
A medical savings account that forms part of your Scheme Savings values can be changed throughout the year, as and
benefits, cannot be changed during the year when required
Can only be used for Scheme-defined day-to-day expenses Payment of any healthcare expenses, including treatments
that are otherwise excluded by your Scheme option,
co-payments and benefits where limits have been reached
Where can you use your HealthSaver account funds?
Any healthcare claims not covered by your medical scheme benefits, including co-payments on claims and benefits where
limits have been reached, can be claimed back from your HealthSaver. The product seamlessly integrates with your medical
fund and will pay claims from your HealthSaver account once your scheme benefits or medical savings have been depleted.
How does it work?
If you wish to provide for additional day-to-day healthcare expenses by contributing monthly to your HealthSaver account,
you get to choose how much, and can easily change that amount.
You can also contribute any lump sum amounts in addition to monthly payments. No transaction or administration fees are
charged so you enjoy the full value of every rand you contribute. Cash withdrawals and transfers are not allowed, but the
balance in this account would be paid out to you after six months, if you cancel your Wooltru Healthcare Fund membership
or HealthSaver account.
12Dynamic interest rates linked to your health
You can earn up to 10% interest on your positive HealthSaver balance.
The interest you earn on your positive HealthSaver balance is based on
your Healthy Heart Score and Active Dayz or fitness assessment.
What do I need to do?
Be active, go for your health risk assessment and follow the
compliance rules.
How does this work? NEW
Healthy Active DayzTM
or fitness Interest earned on
Heart Score
assessment positive balance
16+ p.m.
Green Amber Red or Level 5 10%
12+ p.m.
or Level 4
5%
Green Amber Red
8+ p.m.
or Level 3
2%
4+ p.m.
or Level 2
1%
Green Amber Red
0+ p.m.
or Level 1
0%
To earn positive interest you need to make any
contribution into your HealthSaver account.
Open a HealthSaver account in This can be an ad hoc contribution or monthly
5 minutes
debit order. FREE
You can sign up for a HealthSaver account by
downloading and completing the HealthSaver
application form - available post-login on What does this mean for you?
www.wooltruhealthcarefund.co.za
Any applicable Scheme waiting periods will not Payupzero
Earn %
to 10%
be imposed on your HealthSaver account, you will Healthy Active Dayz
interest on on
interest positive
the
credit purchase
HealthSaver of a
balances
therefore have access to your HealthSaver account as Heart Score or fitness level fitness device
soon as you join the fund.
Wooltru Healthcare Fund members are also
automatically signed up for a HealthSaver account
when they complete their health risk assessment. This
is not compulsory and you can choose to opt out of
this auto-enrollment.
13Hello Doctor Overview
You can talk to a doctor on your phone, anytime, anywhere, in any language
Wooltru Healthcare Fund members get free access to Hello Doctor, where you can get the medical advice you need, 24/7.
Simply request a call, and the doctor will phone you back.
No service fees or charges apply when you use the Hello Doctor service. All you need is data or a WiFi connection to use your
app; and since our doctors call you, you won’t even need to use your airtime.
For extra functionality, you can download the Hello Doctor app and text the doctors, send photos, and follow the categories
you’re interested in on the health feed. If smartphones aren’t your thing, simply dial *120*1019# and follow the prompts to
connect with a doctor through any basic mobile phone.
Hello Doctor offers you the following::
• Doctor access: Speak to a doctor over the phone, or chat via text message. All interactions with the doctor are completely
private and confidential.
• Health education: Get free daily advice with Hello Doctor’s Health Tips and health coaching. Subscribe to any categories
that interest you, and let us walk the journey with you to better health. Our monthly email check-ups also give you the
latest health trends and advice.
Download the app and ensure you and your family stay healthy and happy with relevant and reliable health
advice at the touch of a button.
All conversations and texts with the doctors are completely private and confidential.
Please note that when using the Hello Doctor Tool on the website, you still need
to comply with the Scheme Rules that include the use Designated Service Providers,
as determined by your option.
Please note: Hello Doctor’s services are not intended as a substitute for medical
consultations or examinations and therefore do not constitute diagnosis or treatment.
1415
268 West Avenue Centurion 0157
Version 2021
PO Box 7400 Centurion 0046 South Africa
momentum.co.za
Momentum is part of Momentum Metropolitan Holdings Limited (Momentum),
an authorised financial services and registered credit provider.You can also read
