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  1. In which countries is screening available?

    Yes, international screening is possible in all countries, but there is a manual process for international clients who do not have access to the South African Playstore or iStore.  Here are the two scenarios in terms of how it can work:   If th...
  2. I am pregnant. What weight do you use for the BMI calculation?

    We will use the client's current weight, as validated by our Fastlane practitioner, at the point of screening. Clients will have an opportunity to rescreen at any time.
  3. What discounts do I earn for physical fitness?

    We will allocate a LifeReturns® discount percentage based on the fitness level achieved. Level 3 or higher is required to qualify for a LifeReturns® physical fitness discount as shown in the below table: Physical fitness level Description ...
  4. If one of my rating factors improve, what would cause my discount not to increase?

    It is important to remember that we will always use the full set of screening results, and we will not only update one improved factor to get a higher discount. This means that the LifeReturns® discounts may not change after an improvement in one ra...
  5. Is it possible to opt-out of the active fitness assessment?

    Yes, a client can select not to complete the active fitness assessment component. Although skipping the fitness assessment will impact the associated fitness discount, the impact will be limited by the protection offered by the LifeReturns® Reassess...
  6. What is FastTrack underwriting?

    FastTrack is an innovative underwriting process utilising digital screening technology to fast-track qualifying client policies to be issued at standard rates without further medical tests.
  7. How do I get the voluntary digital screening link?

    Clients can request a voluntary screening on Momentum’s client portals, such as   momentum.co.za . The first  voluntary reassessment screening will be free if performed before the first compulsory reassessment date, but  additional volunta...
  8. What if the results from a health screening app differ from the screening results?

    Inclusivity was a core consideration in designing the LifeReturns® model, and therefore we opted for a model that will use smartphones as they are widely accessible and in use. Therefore, we standardised on our proprietary digital screening technolo...
  9. How many free screenings am I allowed in a year?

    Every client on LifeReturns® gets a free reassessment screening every calendar year during the reassessment period. Once this has been used clients are more than welcome to do as many screenings as they want. However, this will incur a small fee (de...
  10. Is it safe to do the fitness assessment without medical support?

    Our active fitness assessment requires a client to get their heart rate up using simple exercises in a short period of time, e.g. jogging or stepping. Since we have simplified the process to allow clients to perform these tests in the comfort of the...