{"id":98,"date":"2026-04-13T08:03:07","date_gmt":"2026-04-13T08:03:07","guid":{"rendered":"https:\/\/wwfs.co.za\/?page_id=98"},"modified":"2026-04-13T08:05:14","modified_gmt":"2026-04-13T08:05:14","slug":"wellness-programme","status":"publish","type":"page","link":"https:\/\/wwfs.co.za\/?page_id=98","title":{"rendered":"Wellness Programme"},"content":{"rendered":"\t\t
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Wellness Programme<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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Almost everyone recognises the name \u2018Vitality\u2019 associated with Discovery. Vitality is what is referred to as a Wellness Programme. It\u2019s not insurance or an investment it is not even a financial product as defined in the Financial Advisory & Intermediary Services (FAIS) Act. It\u2019s also not a banking product! The implications of all this being that when it comes to a regulatory body or some sort of control mechanism there is none. There is purely the Consumer Protection Act (CPA) protecting the client on this non-financial product (Wellness Programme), like buying an item from a grocery store. The truly interesting part is that you can only qualify for Discovery Vitality or Momentum Multiply membership if you have certain financial products (all detailed in the prices & qualifying products pdf\u2019s below).<\/p>

So that\u2019s the legal framework explained surrounding a Wellness Programme so what is it that you are actually buying? It\u2019s quite simply VARYING discounts at preferred spending partners, be it healthy foods, gym, flights, accommodation, etc. We emphasise the word VARYING as that\u2019s what the \u2018up to\u2019 gimmick is all about. Run so many km\u2019s, answer these questions, do this healthy activity \u2018be well\u2019 in other words and get points which gives you better status and then you are rewarded with a nice discount at this and that spend partner. Take a carrot and stick analogy, the stick would be low status, i.e., low discounts for not doing the prescribed \u2018healthy\u2019 activities and the carrot is higher discounts for actually completing the prescribed \u2018healthy\u2019 activities.<\/p>

So that\u2019s what a Wellness programme is legally speaking and what its functions is (varying discounts at various spend partners). It might work out for some and not for others, oh well you just cancel it if it doesn\u2019t work out right? Well sure, assuming your underlying qualifying financial product (life insurance, investment, medical aid) is what you would have purchased at the standard \u2018non-integrated\u2019 price. In that event you say oh well I wasn\u2019t able to get full use out of the wellness programme I\u2019ll cancel it for now and maybe try again in future or just leave it out.
Unfortunately, how Wellness Programmes get sold a lot of the time is making this non-financial product the \u2018beating heart\u2019 of a financial product where enormous life insurance\/investment fees discounts fall away entirely if cancelling the Wellness Programme or not adhering to the prescribed steps or activities.<\/p>


Our approach is simple, ensure that the Wellness Programme suits the client as is (different clients have different sped habits) but DO NOT EVER make a financial product suit the client by adding a Wellness Programme. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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