Medical aid reward plans are designed to encourage members to live more active, healthier lives. Some plans simply offer discounts on particular products and services. Others actively reward members for eating healthily and exercising, giving points for healthy behaviours that can be exchanged for discounts or goods. Here we review five of the most attractive rewards packages that South African medical aids currently offer.

Momentum MultiplyMomentum: “Multiply”

With Momentum’s Multiply rewards package, members can select from a wide range of added benefits, such as discounts on travel, leisure, shopping and a range of health-related products. Your activity level, and therefore your rewards, will be calculated based on gym visits, but your gym membership has to be organised through Multiply.

As well as reward points, which you can use to claim for discounts, several other benefits are immediately available to Multiply members. Among these are:

  • up to 80% discount on membership at Virgin Active or Planet Fitness gyms
  • up to 16.5% cash back on purchases from DisChem pharmacies
  • 20% to 40% discounts on return international flights via Emirates or Virgin Atlantic
  • discounts on car rentals
  • NuMetro Movie tickets from R15.

Liberty - Own your LifeLiberty: “Own Your Life”

Liberty’s “Own Your Life” rewards plan offers members access to discounts and free offers from a wide range of partner companies. Among these are:

  • Virgin Active
  • NuMetro
  • Avis Car Rental
  • Col’Cacchio
  • Hertz Rent-a-Car
  • Sun International Hotels
  • Exclusive Books online
  • Vodacom.

Once you’re a member of the “Own Your Life” program, you can redeem points you earn by visiting the program website and printing a coupon, having the coupon sent to you via SMS/MMS on your cell phone or obtaining an electronic code you can use to redeem on online purchases. You can also simply present your membership card at relevant establishments to claim discounts.

Discovery VitalityDiscovery: “Vitality”

Vitality is South Africa’s most popular rewards program. It actively encourages members to know their state of health and improve upon it, assigning points for healthy behaviours.

By using the program’s online Vitality health review service and working towards improving your health, you can qualify for up to 25% cash back on a range of

  • healthier foods
  • personal wellness products and services
  • Adidas and other active or sports gear.

You can accrue more points by getting active with partners of Discovery Vitality such as Virgin Active, Planet Fitness, Curves and Run/Walk for life, and by using fitness devices such as Nike+, miCoach or a Garmin to track your progress.

BestMed - Just RewardsBestMed: “Just Rewards”

Providing members with instant incentives to get fit, the Just Rewards program lets you benefit right away without having to accumulate any points. It offers weekly specials on everything from food and magazines, to plumbers, electricians, concerts, sporting events, hotels and flight prices.

Zurreal4LifeResolution Health: “Zurreal4Life”

Zurreal4Life offers the usual benefits, such as discounts at select stores and for services. In addition, if you’re a member of Resolution Health, you’ll qualify for legal assistance benefits and  be able to enter various competitions. If you have pets in the family, they’ll be included in the rewards too – pet accident cover is included in the Zurreal4Life package.

You can also choose to sign up for the added-value package, Zurreal4Life Platinum. With this package, you’ll receive bonuses such as magazine subscriptions and cash back on annual health assessments.