I have been on Discovery Coastal Saver for many years. We are a family of 4 and generally very healthy. The only reason I opted for the saver option is because there a couple of added benefits if you have the saver, like MRI's are covered whereas if you did not have the saver you will have to pay.

It disgusts me that my savings is sitting at >R40k which really is my money. Anyways due to the added benefit I will keep the saver for now

I am also on vitality and have free access to Virgin Active as long as I go to gym 3 times a month.

Recently a Momentum broker has been bugging me. He showed me a comparable scheme with Momentum custom option which is R756 per month cheaper than Discovery.

The premium savings is very big per month and tempting to switch. Anyone out there that has any opinions on both but more so Momentum I would appreciate any feedback.

Thanks
Kavesh