Is a Health Rewards Programme Worth It After Two Years? An Honest Review

The app's opening screen — where the promises are made. Two years of daily use revealed a significant gap between what's marketed and what members actually receive.

After two years of daily training — up to three sessions a day across cycling and running — the programme delivered modest real value and at least one significant misrepresentation. The cashback rewards and insurance premium discount are genuine; the flight discount is not. If you're already highly active and hold a modest insurance premium, the maths probably doesn't work in your favour.

Does the Health Rewards Programme Actually Save You Money?

The short answer: only in specific circumstances. The programme's cashback rewards are real but small — roughly $5 per week if you're consistent — and the purchasing power of that figure erodes with inflation. The insurance premium discount is the only benefit that scales meaningfully: if your annual premium is $7,000–$15,000, a percentage discount on that figure compounds into genuine savings.

The flight discount, however, is the programme's biggest credibility problem. After reaching the top rewards tier, the saving came to approximately $280 against a promoted figure of around $2,500. The discount applies only to the base fare — which can represent less than half the total booking cost.

Who Is This Programme Actually Designed For?

In practice, the points structure rewards behaviour change — GP visits, health screenings, step targets — not sustained high-performance training. Athletes who already train daily will hit an earnings ceiling quickly and find many categories either inaccessible or not worth disrupting a working programme to qualify for.

The Garmin Connect integration is the one feature that makes the programme viable for active users: it automates point collection without requiring any change to existing training habits. Without it, cancellation would have come much sooner.

Is the Free Apple Watch Offer Worth It?

Yes — with conditions. Sustaining weekly activity targets for two years to earn the watch is achievable for genuinely active people. The catch: this programme's insurer has consistently been the most expensive option for the majority of clients comparison-shopped over the past 6–12 months. A 10% discount on a premium that's 50–100% above market rate is still a net loss.

FAQ

Q: Is the health rewards programme worth joining if you're already very active? A: Probably not on its own merits. The points structure rewards behaviour change rather than sustained fitness, so active users hit a ceiling quickly — and many premium benefits require disrupting a working training programme just to qualify.

Q: How much did the top-tier flight discount actually save? A: In practice, the saving was approximately $280 against a promoted figure of around $2,500. The discount applies to base fares only, which typically represent less than half the total booking cost including taxes and fees.

Q: Who should stay on this programme? A: Two groups: people who hold a large life insurance premium with this provider and cannot switch insurers due to health eligibility reasons; and highly active people who can realistically sustain two years of weekly activity targets to earn a subsidised Apple Watch.

Q: Does Garmin Connect integrate with health rewards programmes? A: Yes — and for active users it's the single most important feature. Automatic syncing of daily training data removes the need to manually log activity, making point collection essentially frictionless.

Q: Are the partner discounts (bikes, gyms) genuinely good value? A: Generally no. Bike discounts cap at a level a local shop will match or beat through normal negotiation. Gym partner locations are often impractical for city-based members. Most partner discounts are a false economy when the full cost of access is factored in.