Designed to complement

Complementary products 20

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4 Multiply

Multiply is a lifestyle rewards programme that guides, motivates and rewards you for taking everyday steps to enhance your financial and overall wellbeing

10 HealthReturns

Invest in your health for great returns

14 HealthSaver

Save for additional healthcare expenses

15 Hello Doctor

Talk to a doctor on your phone, anytime, anywhere, in any language - for free

You can choose to make use of additional products available from Momentum, part of Momentum

Metropolitan Life Limited, to seamlessly enhance your medical cover. Momentum is not a medical fund, and

is a separate entity to Wooltru Healthcare Fund.

These voluntary complementary products range from a world-class lifestyle rewards programme, Multiply,

to the HealthSaver account.

These complementary products are not medical fund benefits.

You can be a member of Wooltru Healthcare Fund without taking any of the complementary products that Momentum offers.

OverviewAs a member of Wooltru Healthcare Fund, you automatically qualify for free Multiply Starter.

Multiply is a lifestyle rewards programme that guides, motivates and rewards you for taking everyday steps to enhance your financial and overall wellbeing. As a Multiply member, you get cashbacks and discounts on Momentum products at a wide range of partners and on the Multiply online shop.

What is the first step to great rewards? 1. Register online:• 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 are ready to start shopping on our Multiply online shop.

2. Start shopping on the Multiply online shop:• Log in to multiplyonlineshop.co.za• Start shopping

3. Get your deals at the travel desk• Explore the world with great discounts with our travel partners. We’ve got you covered

from flights to hotels to car hire. Email multiplytravel@momentum.co.za or call 0861 100 155 to get your quote.

4. Activate your Dis-Chem benefit to earn cashbacks on your purchase• Go to the service desk at your nearest Dis-Chem store with your ID or Multiply client

number• Receive your new Multiply and Dis-Chem co-branded benefit card• Start swiping to get your cashbacks.

Multiply

Visit multiply.co.za for full details. E & OE. Terms and conditions apply. Momentum Multiply (Pty) Ltd is part of Momentum Metropolitan Holdings Limited.

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How to Multiply your money:

2020 Multiply Premier membership fees

Single member R258pm

Family of two R328pm

Family of three or more R358pm

7,5% off flights

Get any TaxTim Lite, Smart or Ultra Package for FREE

10% off monthly gym fees

2% in cashbacks

15% off

5% in cashbacks or discounts on The Pro Shop vouchers from the Multiply online shop

2D movies for as little as R51

Up to 12% in cashbacks

Up to 50% off flights

Get any TaxTim Lite, Smart or Ultra Package for FREE

25% off monthly gym fees

Up to 12% in cashbacks

15% off

Up to 40% off international flights

Up to 25% in cashbacks or discounts on The Pro Shop vouchers from the Multiply online shop

2D movies for as little as R35

STARTER PREMIER

2% in cashbacks or discount on Makro vouchers from the Multiply online shop

Up to 12% in cashbacks or discount on Makro vouchers from the Multiply online shop

14% off 16% off

Up to 10% in cashbacks

Upgrade to Multiply Premier to get even greater rewards

Visit multiply.co.za to view all our partners.

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The more points you earn, the higher your status and the greater your rewards.

When you take steps

to improve...

you earn points to

boost yourstatus and earn more rewards

Multiply Premier Overview

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Multiply Premier status and pointsThe number of points you need for each status

How to Multiply your wellnessMultiply rewards you for making the right choices so that you can

live a better, healthier life.

It’s simple...

KNOW TRACK IMPROVE

Know your starting point on your path to wellness

Track your progress as you reach each of your

goals

Improve your lifestyle and get more real

rewards

FAMILY

0

0

250

500

500

1 000

650

1 300

750

1 500

SINGLE

Bronze Silver Gold Platinum Private Club

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 2020 for details on how to earn and increase your points across these statuses.

and Multiply Premier member for two years

Be healthierLove your heart and live a

longer, healthier life.Use our range of

assessments and partners to help you understand

and improve your health.

Be saferUnderstand your safety

and live a better, safer life. Assess the safety of your family, home and car. Use

our tips and discounts from a wide range of partners to

enhance your safety.

Be on top of your finances

Get more money for doing the things you already do.

Use Multiply’s tools to help you have enough money for

today and tomorrow.

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Your cashbacks are automatically transferred into your Multiply Money savings wallet. Plus deposit

money into Multiply Money to top up your savings.

4 ways to spend your cashbacks

MULTIPLY MONEY

Earn great interest to grow your money from

the first cent.

It’s easy to spend your money at any time.

Transfer to pay

Transfer to save

Savings wallet

Payment walletSAV

E

SPEND

Multiply Premier (continued)

Visit multiply.co.za for full details. E & OE. Terms and conditions apply. Momentum Multiply (Pty) Ltd is part of Momentum Metropolitan Holdings Limited.

Be healthier. There’s a reward for that.Multiply is a lifestyle rewards programme that guides, motivates and rewards you for taking everyday steps to enhance your financial and overall wellbeing.

As a Multiply member you get cashbacks and discounts on Momentum products, at a range of partners and on the Multiply online shop.

and many more!

Make mobile payments

Pay on the Multiply online shop

Send money to friends who have Multiply

Money

Transfer money to your HealthSaver

account if you have a Multiply Money Card

Retail

Up to 12% back

Multiply online shop

VOUCHERS

Up to 40% back

FITNESS DEVICES

Up to 25% back

ELECTRONICS AND APPLIANCES

Up to 60% back

MAGAZINES

and many more...

Get cashbacks Enjoy discounts

15 to 25% back

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KNOW Go for your health assessment to get your Healthy Heart Score

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

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 assessment to get your Healthy Heart Score, so that you can take action.

Where to go for your health assessmentYou can get your annual health assessment done at any Dis-Chem, Clicks, Pick n Pay pharmacy clinic, Multiply-affiliated pharmacy or Multiply health professional (visit multiply.co.za for a list of pharmacies or the closest health professional to you).

What the health assessment measuresThe nurse will measure your:

• Blood pressure

• Total cholesterol

• Glucose

• Height, weight and waist circumference. This, together with your gender and age, will be used to calculate your body fat percentage.

The nurse will also ask about your smoking status.

Further testing or treatment may be required in order to earn HealthReturns.

HealthReturns Overview

HealthReturns is not available to Wooltru Healthcare Fund members on the Network Option. HealthReturns is not a medical fund benefit. It is a complementary product offered by Momentum.

Invest in your health for great returnsMomentum’s lifestyle rewards programme, Multiply, combined with HealthReturns and HealthSaver, unlocks health, wealth and many more rewards.

Healthy Heart Score

What you get for your Healthy Heart Score

Just for doing your health assessment and getting your Healthy Heart Score, you will get 30 points. Plus, you can earn additional points depending on your Healthy Heart Score result.

There is room for improvement. You should take action to reduce your cardiovascular disease risk factors.

You’re on track.

Your cardiovascular disease risk factors are under control for now.

You could be doing a lot better.You need to take strong action to reduce your cardiovascular disease risk factors.

30PTS

70PTS

30PTS

Green

Amber

Red

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Get your fitness device todayTrack your physical activity to start earning your Active Dayz. Link your device on multiply.co.za to track or buy an approved fitness device on the Multiply online shop at a discounted price.

Log into multiplyonlineshop.co.za and start shopping.

Fitness assessmentYou can also go for a fitness assessment through Multiply’s health professionals network.

Visit multiply.co.za for a complete list of health professionals. The best result of either your fitness assessment or your Active Dayz will count towards your HealthReturns.

The fitness assessment is an alternative to earning rewards and points through Active Dayz if you live an active lifestyle, but are unable to track it. You will get your fitness level, which is valid for 12 months.

Unlock more Active Dayz Do your fitness assessment or complete an elite event to unlock more points for Active Dayz.

Run, cycle, swim, chase the kids, dance or skip – if you burn 300 calories in a session, you get an active day.

Link your device on multiply.co.za

Get Active Dayz when you gym at any Virgin Active, Planet Fitness or any Multiply-affiliated gym.

Visit multiply.co.za for a complete list of affiliated gyms.

Use one of our approved apps or devices to count the number of steps you take per day. Get to 10 000 and you’ve got your active day.

Link your device on multiply.co.za to track.

From triathlons to marathons, duathlons and more – any qualifying event, registered online through Entrytime, will give you an active day. Or complete a Parkrun and enter your barcode on the FitVault app to get your active day. You can get more points for completing a high-endurance elite event.

CALORIES BURNED

GYM VISIT

STEPS TAKEN TODAY

EVENT FINISHED

Multiply 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?

Weekly Wins - in it to win it!

Weekly Wins rewards Multiply Premier members for consistent physical activity. Achieve your weekly activity target and get a treat!

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HealthReturns Overview (continued)

Healthy Heart Score

Active DayzTM

or Fitness Assessment

HealthReturns payable per R600 fund risk contribution

Standard

Green Amber Red

16+ per month or Level 5 R46 R46 R58 R110 R158 R260

Green Amber Red

12+ per month or Level 4 R23 R23 R35 R66 R105 R160

8+ per month or Level 3 R12 R12 R23 R33 R47 R65

Green Amber Red

4+ per month or Level 2 R5 R5 R10 R15 R20 R30

0 to 3 or Level 1 R0 R0 R0 R0 R0 R0

● Increased HealthReturns are paid into your HealthSaver account, based on your Multiply Premier status

Example 1

Option Comprehensive Option (Wooltru Healthcare Fund)

Activity level Level 5

Multiply Premier Status Private Club

Healthy Heart Score Green

Principal member contribution R4 532 / R600 = 7 R260 x 7 = R1 820

Adult dependant contribution R4 396 / R600 = 7 R260 x 7 = R1 820

Child dependant contribution R1 508 / R600 = 2 R260 x 2 = R520

Total HealthReturns payable per month R4 160

Maximum monthly HealthReturns R3 000

Example 2

Option Comprehensive Option (Wooltru Healthcare Fund)

Activity level Level 5

Multiply Premier Status Gold

Healthy Heart Score Green

Principal member contribution R4 532 / R600 = 7 R110 x 7 = R770

Adult dependant contribution R4 396 / R600 = 7 R110 x 7 = R770

Child dependant contribution R1 508 / R600 = 2 R110 x 2 = R220

Total HealthReturns payable per month R1 760

How much can you earn?

You can earn HealthReturns per R600* contribution that you pay as the principal member.

If your spouse and/or adult dependants are covered on your membership, they can also earn HealthReturns per R600* payable for their portion of the contribution. On certain options, your child dependants can also earn HealthReturns based on their portion of the contribution (up to a maximum of 3 children).

*Excluding late joiner penalties

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New Multiply Premier members on Wooltru Healthcare Fund qualify for the ActivityBooster, helping them achieve the R280 maximum HealthReturns per R600 contribution that members under 30 can earn per month.

Criteria What do you get?

Principal members and adult dependants under 30 R10 per Active Day, times every

R600 of your portion of the medical fund risk contribution

Every Active Day from 20 per month

For the first 2 years of Multiply Premier membership

Multiply ActivityBooster

How does it work?

To activate the benefit, members need to complete

their child’s health profile on multiply.co.za.

To encourage families to exercise together, Momentum has introduced KidsReturns.

Child dependants on certain options can earn HealthReturns per R600 payable for their portion of the contribution, as long as the family is on Multiply Premier and all adult dependants on the membership are earning HealthReturns. This makes it even easier for families to reach the monthly maximum of R3 000 in HealthReturns.

Kid

s

youn

ger t

han

16 Family Multiply

status

Healthy Heart Score & Activity level

Children younger than 16 earn KidsReturns based on the adult that has the lowest combined Healthy Heart Score and Activity Level in the family

Kids

16

to 2

0

Family Multiply

status

Healthy Heart Score The lowest Healthy Heart Score in the family

Activity levelChildren 16 to 20 earn their own activity level as follows:

Burning 300 calories in a session or taking 10 000 steps a day. Tracked through approved fitness devices or apps

GYM VISIT

Gym visits at Virgin Active and Planet Fitness, provided that one of 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

EVENT FINISHED

Using the FitVault app to track activity at the following events:

Parkruns and Racetec timed

events

Any qualifying events that

are logged via EntryTime

How are KidsReturns calculated?

KidsReturns rewards active families

Available on the Comprehensive Option only.

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Save for additional healthcare expenses

The HealthSaver+ is a Momentum product that lets you save for medical expenses, such as vitamins, cosmetic surgery and more. Not only can you choose the amount to contribute – according to your own needs and pocket – but seamless integration with your medical fund means it is the most convenient way to pay for treatments and procedures not covered by your option.

What makes HealthSaver unique and different to your medical fund savings account?

Medical fund savings account HealthSaver

Limited to a fixed maximum contribution per month Totally flexible, based on your needs and level of affordability

You cannot change your level of savings on the Plus Option Savings values can be changed throughout the year, as and when required

Can only be used for fund defined day-to-day expenses Payment of any healthcare expenses, including treatments that are otherwise excluded by your fund option, co-payments and benefits where limits have been reached.

Direct payment to service providers, once your savings account is depleted

Where can you use your HealthSaver account funds?Any healthcare claims not covered by your medical fund 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 fund benefits and / or medical savings have been depleted.

How does it work?You do not have to pay money into your HealthSaver - it could simply be the account where you receive your HealthReturns. 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 membership or HealthSaver account.

HealthSaver Overview

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Hello Doctor OverviewYou 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:

• 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.

• Symptom checker: Not sure what’s wrong? If you enter your symptoms, you will see a list of possible conditions that you can then discuss directly with a doctor. No waiting rooms, no queues, no delays, no worries.

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 Fund 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, as a result of which they do not constitute diagnosis or treatment.

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268 West Avenue Centurion 0157PO Box 7400 Centurion 0046 South Africa

momentum.co.za

Momentum is part of Momentum Metropolitan Life Limited, an authorised financial services and registered credit provider.