A The screening app, for the purpose of LifeReturns^®, assesses the BMI, blood pressure, medical aid membership and physical fitness. Some of the factors are assessed by the in-app screening technology, e.g., blood pressure, resting heart rate and the fitness level (VO₂ max). Others are inputs by the insured life being screened, e.g., height and weight to calculate BMI and the responses to fitness questions (for the initial in-app screening fitness assessment). The process also includes identity verification.

A Remote photoplethysmographic imaging (rPPG) is the technology used. rPPG imaging is a camera-based solution that enables stress and heart rate monitoring using regions on the face. LifeReturns® screening measures heart rate and stress level by reconstructing the rPPG signal from the smartphone camera using signal processing. The measured vital signs are not intended for medical use, including self-diagnosis or consultation with a doctor, and are only designed for general fitness and wellness purposes.

A The screening technology has been thoroughly tested and the results validated against trusted methods. The screening app has been approved by SAHPRA (South African Health Products Regulatory Authority) as a medical device and meets clinical accuracy requirements.

A SAHPRA is an entity of the National Department of Health, created by the South African Government to ensure that the health and well-being of human and animal health are at its core. SAHPRA assumed the roles of both the Medicines Control Council (MCC) as well as the Directorate of Radiation Control (DRC) which were housed at the National Department of Health (NDoH). Subsequently, SAHPRA was constituted as an independent entity that reports to the National Minister of Health through its Board.

A The screening session will always be initiated from the link sent to you by your financial advisor (initial screening) or Momentum (compulsory reassessment in-app screening or voluntary in-app screening). The screening app will clearly explain all the steps to follow.

A Clients will have the ability to request a paid-for voluntary in-app screening on Momentum’s client portals such as the Momentum app and momentum.co.za client portal soon. Refer to Q7. The initial voluntary reassessment screening will be free if performed before the first compulsory reassessment date, but additional voluntary screenings thereafter will be available at a small fee. Until then, clients will need to contact their financial adviser and request them to send another screening link.

A We use the home affairs data to validate that it is the correct insured life. This will happen automatically in the background for most clients, while others may be requested to scan their Green barcoded ID book, ID Card, passport or driver’s license with their smartphone before they do their screening. We will check throughout the screening process that the correct insured life is doing the screening.

A It depends on when during the year we receive a valid set of screening results:

• If a valid set of screening results is received between 1 January and 30 September, results will be valid until end of February of the following year.
  
  Example 1: Client A screens on 13 May 2023, her results will be valid until end of February 2024.
• If a valid set of screening results is received between 1 October and 31 December, results will be valid until end of February of the year after the following year.
  
  Examples 2: Client B screens on 21 November 2023, her results will be valid until end of February 2025.
• If a valid set of screening results is received during the compulsory reassessment season, results will be valid until the end of the following compulsory reassessment season.

A The results are valid for three months after screening if they have not been applied to any policy. If the results have been applied to any policy, the results will be valid until the end of the next compulsory reassessment season.

A When any of a client’s results are outside the ranges for a healthy individual, the client can expect to be contacted by a medical professional from Hello Doctor. Clients can choose to discuss their results with them, and they can make recommendations. Hello Doctor forms part of Momentum Metropolitan and client data will not be shared with other parties clients have not consented to.

A No, Myriad will only accept results from our approved screening app. No other fitness device or app can be used as replacement.

A 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 technology, which has undergone robust testing, as the only source of inputs for LifeReturns^® discount purposes. Integrating data from different sources will add significant complexities and costs to the solution, which will result in the model becoming expensive and offering lower levels of discounts.

A The initial screening and subsequent annual compulsory screenings are completely free of charge. Any additional voluntary screening will be at a cost to the client. Clients will need to purchase a screening in-app at a small fee determined from time to time.

A The full set of screening results will be sent to the insured life’s phone via SMS immediately after screening. The insured life can also view results on the screening app, but some app stores restrict the information that can be displayed. Existing Myriad clients will be able to view results and associated discounts by registering and logging into their profile on the Momentum website. Clients will be able to see the latest as well as historical results and their associated discounts.

A The screening app takes a point-in-time measurement. So, any temporary surge due to high stress levels or fatigue as an example will cause high blood pressure readings to reflect in the results. It is thus advisable for insured lives to be calm and relaxed during a screening session.

A Yes. The standard process will be for the client to perform the voluntary screening, which includes an active fitness assessment. If the outcome of the voluntary screening provides improved results, the results will be updated. This functionality is not currently enabled but will be available soon.

A Every insured life on LifeReturns^® gets a free reassessment screening every calendar year during the reassessment season. 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 (determined from time to time) to purchase a voluntary screening in-app. The cost of your first voluntary reassessment will be waived if it is done before the first compulsory reassessment date, i.e., 1 January 2024.

A The screening will allow the use of different identity documents. Non-RSA citizens will be able to use their passport for identification purposes.

A The screening results will be used to determine premium discounts and in certain cases to fast track the underwriting process. We will use some of the data to validate certain information with our 3rd party service providers, e.g., ID verification with Home Affairs, health questions validation with providers such as HealthCloud, and adverse screening results with Hello Doctor when they need to contact the client.

A During the screening and application processes, clients provide consent in terms of how their data is used and stored and as such, we will never share the client’s data with anyone or any entity without their consent.

A The initial screening takes up to 90 seconds, with a bit more time to answer the mandatory questions. The reassessment screening takes up to 10 minutes if you also complete the in-app fitness assessment and depends on your level of fitness, e.g., it takes longer for fitter clients to get their heart rate up to the required levels and hence may take a little longer to complete the screening.

A Yes, the screening can be performed on any compatible smartphone.

A During screening, the app will determine if conditions are favourable to get results and prompt the user to make necessary adjustments, e.g., move to an area with better lighting. If a client loses connectivity during the screening process, they will need to do a new screening.

Screening is performed on a screening app which requires access to the internet to function. Thus, this requires mobile data to process the screening results. However, the app is not too data intensive.

A 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:

NOTE: If a client cannot open the link for screening it may mean that their phone is not compatible with the app. The link will take them to their app store, which will indicate that their device is not compatible and suggest alternative apps.

Important: Do not mistakenly download the Kimi Tracking app—a companion app—that is a paid-for subscription and uses a wearable health tracker.

A Please follow the in-app screening guidelines for best screening results, for example:

• A client needs to be seated and at rest during the screening;
• the client’s face needs to be fully exposed;
• there should be no light source behind the client and no direct sunlight on the face;
• there should be no light changes during the screening

A The purpose of identity check is for Myriad to make sure that the correct insured life is doing the screening, this includes the liveness check during the entire screening process.

A Our initial verification process (only for your first screening) has two parts:

1. A liveness test. We take a photo of you using the camera on your phone to check if you’re alive and real.
2. Verification. We compare that image against records of you from a third party, such as your ID photo on record with Home Affairs or another official identification document.

For any future screenings, we’ll use your initial, fully verified, photo to compare it to your live image, on camera. This is a one-step process.

Accepted documents
You can use your SA or Namibian ID card, ID book, SA driver’s license, or a passport.

Once-off verification, but ongoing liveness tests
For all subsequent screenings, we will only do a liveness test. No verification is required.

Scanning documents
Not everyone will need to scan a document. If you have a smart ID card, we’ll retrieve the digital photo on record with the Department of Home Affairs. Should the liveness photo match your DHA photo, you can complete the verification without having to scan a document.

If we can’t match your photos – maybe you’ve aged a little, or if you have a green book ID – you will need to upload a document. The DHA service is only for South African citizens. If you don’t have an SA ID number, you will need to scan a document.

How to scan your document
Keep your ID, driver’s license, or passport at hand. You will be prompted to “Prepare to scan your ID, passport, or license if required”.

Information will be extracted and displayed on the screen. Once confirmed, the process will be complete.

Should verification fail for any reason, you’ll be able to continue with the screening, but we may require that you send us additional information, such as a copy of your identity at a later stage.