Process wise, the reassessment screening will be accessible from a generic screening link in the reminder communication that we will send to clients, as well as being available on the website. It will be a web-based solution, which means clients won't have to download the screening app again, and signing in will be seamless and easier than before with no need to remember passwords for identity verification for more than 90% of clients who have already screened previously and who will be automatically recognised through the camera against our verified client database. The client also won't have to answer underwriting medical questions as part of the reassessment screening.
The fitness questions are replaced by an activity based physical fitness assessment, typically a step test, which will require a few minutes of physical exertion, but all possible in the comfort of your own home. Clients have the option not to complete the physical fitness test during a reassessment but will forfeit the associated fitness discounts, subject to the protection offered by the LifeReturns® Reassessment Protector.
It is a period when all LifeReturns® clients are required to complete their annual compulsory reassessment. If clients do not complete the reassessment before the end of this period, they will lose their discount (the size of discount drop is limited by the LifeReturns® Reassessment Protector). Myriad’s reassessment period is from 1 January until the last day of March every year.
The first reassessment period will be from 1 January 2025 until the end of March 2025.
The LifeReturns® Reassessment Protector firstly limits the impact of annual discount reductions (either because clients have poorer digital screening results* or did not complete the compulsory annual reassessment digital screening). In both cases, the drop will be limited to five percentage points.
Example: Clients with a 30% LifeReturns® discount who have poorer digital screening results which should have only qualified them for a 20% discount, but because of the LifeReturns® Reassessment Protector, their discount will reduce to 25% instead of 20%.
* Please note that the LifeReturns® Reassessment Protector does not protect the 5% regular debit order discount. Refer to "What is the maximum discount that can be lost in a single year?" in the Related article list below.
Secondly, the LifeReturns® Reassessment Protector guarantees a 10% minimum protected discount locked-in for three-year interval after a compulsory reassessment. This ensures clients can maintain a minimum discount of 10% by simply completing a compulsory reassessment every three years.
The results from the discount factors we screen for change more frequently compared to factors like gender, age, occupation, etc which we use to determine the contractual premium, and thus must be checked regularly. This also allows clients to enjoy a free annual health check-up to better understand their health. Using the information we gather during reassessment, Myriad’s future plans include offering clients opportunities to get additional or comprehensive cover without further underwriting, which would be the cheapest and easiest way to get additional cover.
The compulsory annual reassessment screening allows clients regular opportunities to earn the best possible discount that they can qualify for. It also allows insured lives to enjoy a free annual health check-up to better understand and manage their health. They also enjoy free access to Hello Doctor where they can talk to a doctor or text a doctor for medical advice over the phone.
No, you activate the regular debit order discount when you complete your first digital screening, and it will remain in place until you miss the regular debit order payment.
Yes. Clients will soon have the option to request as many voluntary screenings as they like, at a small fee per screening, on Momentum’s client portals such as momentum.co.za. Until then, they will need to contact their financial adviser and request them to send another screening link.
When reassessments become available, the cost of the first voluntary reassessment will be waived if it is done before the first compulsory reassessment period following the policy being issued. We will always use a valid set of results that gives clients a higher discount.
Clients will receive multiple reminders to encourage them
to complete their compulsory reassessment.
Due to safety concerns insured lives aged 70 and older, as well as clients in poor health, will not have an option to do an active fitness assessment. However, we will apply a fitness estimate to their discount.
If the client is in their third trimester, we can either extend the reassessment date to the following year or allow them to complete the reassessment now. If they wish to participate in the physical fitness assessment, they must consult with their doctor to determine if they are able to perform the 5-minute step test. The client may use their pre-pregnancy weight for this assessment.
An estimated fitness level, based on your health screening results, will be allocated in the following three instances:
You will continue to enjoy the discount in January 2025. We will send you a reminder notification in January 2025 to let you know that the reassessment period is open. There is no rush, but please complete your reassessment screening before 31 March 2025. The notification will provide step-by-step guidance on what you need to do.
The reassessment has two parts: a quick digital health assessment, followed by an optional fitness assessment (which involves a step test) that takes only a few minutes.
The digital health assessment can qualify you for a discount of up to 20%, and the optional fitness assessment can earn you an additional discount of up to 15%. We recommend completing both to maximise your discount.
No it is not compulsory, the digital health assessment can qualify you for a discount of up to 20%, and the optional fitness assessment can earn you an additional discount of up to 15%. We recommend completing both to maximise your discount.
The client will be shown an instruction video on how to do the fitness assessment.
The height of the step needs to 30cm.
The settings on your phone have been set to 'sleep mode' within five minutes of no use. Change the settings on the phone as the step test will take five minutes.
It might be that the WiFi being used is not working or not allowing access to link. Try using mobile data. Also note that the WiFi in public places restricts certain URLs.
Most smartphones are supported. In general, all that is needed is a smartphone with a camera, but it does get technical. The guideline below will give an indication of the minimum requirements:
With LifeReturns®, there is a compulsory annual reassessment for insured lives to keep on earning their best possible discounts. The following steps will guide you through the compulsory reassessment process.
You’ll need:
For the optional fitness assessment, you also need:
The first step of verifying a client’s identity is through a liveness check. Here, the client will be required to look into the camera and move backwards and forwards. This will capture a picture that confirms they are alive.
On Android phones (Samsung, Huawei, Oppo, etc) the app will request permision to open in full screen. Tap ‘open full screen’ to allow the liveness check to ensure the liveliness check functions properly. The app will automatically exit full screen after liveness has been completed.
The app will request access to the iPhone’s camera. Tap ‘Allow’ to give camera permission.
Clients who wear glasses may need to remove them during the liveness check, as glasses can create glare that affects the liveness.
The second step of the verification process requires a South African identity number. Non-South African clients, should tap ‘SKIP’
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The consent screen is divided into two sections: compulsory consent and voluntary consent. We currently default the voluntary consent to ‘Yes’, and the client only needs to toggle it off if they do not wish to give consent. There are many hyperlinks within the consent page, and clients can tap on these links to learn more about the information we collect and for what purpose. A client cannot proceed unless they accept the consent.
To complete the reassessment process, the client must indicate whether they only want to do a health assessment or also a fitness assessment.
A checklist ensures a client is well prepared before starting the health and fitness assessment.
This question only applies to females between the ages of 18 and 55 years old.
Once the health profile is complete, the client will proceed to the health screening/measurement. Here, they should read the instructions on how to measure and tap on ‘CONTINUE’ or ‘NEXT’ until they reach the screening page.
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Once health screening/measurement is complete, tap ‘CONTINUE’ to view results. On the results page, tap ‘NEXT’ to proceed to the fitness assessment.
The client must tick the boxes on the fitness assessment indemnity page to confirm that they are in good health and can safely engage in physical activity and exert themselves. Tap on ‘ACCEPT’ to proceed to the fitness tutorial.
The fitness tutorial begins by outlining the steps to take if a client cannot continue with the fitness assessment. After reviewing the information, they can tap on ‘START TUTORIAL’ to watch a video tutorial on how to complete the fitness assessment.
Refer to: How medication question answers can affect a client’s ability to proceed with fitness assessment
Clients must watch and listen to the video tutorial before they start.
After completing the video tutorial, tap ‘START TEST’ to begin the step test, which lasts for 5 minutes. Voice prompts will inform the client of the remaining time left and indicate when to sit for the fitness screening/measurement.
IMPORTANT
The client has six seconds to stop and take a seat in preparation for the fitness screening/measurement. They should not wait until the countdown reaches 00:00 to stop and sit.
Once the fitness screening/measurement is complete, the client will be shown their calculated active fitness and their VO2 Max.
VO2 Max is the maximum rate of oxygen consumption attainable during physical exertion.
If we cannot calculate the client’s active fitness level, Kimi will give an estimated fitness level.
After tapping ‘VIEW ALL RESULTS’, the client will be presented with their fitness and health screening/measurement results.
Please take note: heart rate, stress level, blood pressure, and respiration results shown on this screen are from the first screening/measurement and not from the fitness screening/measurement.
The following are scenarios of how medication questions are answered and how they affect a client’s ability to proceed with fitness assessment:
Not showing symptoms of current illness = CAUTION indemnity
Showing symptoms of current illness = HIGH RISK warning
Medication for chronic illness
For scenarios 2; 3; and 4, the following will apply:
Not showing symptoms of chronic condition = CAUTION indemnity
Showing symptoms of current illness = HIGH RISK warning
For both medication options (4 and 5), the following will apply:
Not showing symptoms of inability to physically exert themselves = CAUTION indemnity
Showing symptoms of inability to physically exert themselves = HIGH RISK warning
