Welcome to XHealth member services

Want your family to better understand their cover? You can share this page with your spouse, children, or any dependents on your plan. It’s simple - just click Share in the page header and choose the share option that works best for you.

Use MChat under the 'Ask & Chat' tab in any language to ask, chat, and get guidance - with human help when you need it.

This tool will send you an email report that highlights the differences between two versions of a policy that you upload.

Health Buddy helps you share important information about your health and daily life, step by step, in a friendly chat. I’ll explain any medical terms in simple language, check that you understand each question, and only ask what’s relevant to you. Your answers are private and will help us give you the best support possible. If you’re ever unsure, just ask! I’m here to help :)

Let’s get you ready for your yearly check-in with your financial adviser so you can feel confident and make the most of your money. We’ll help you prepare to ensure your review actually helps you reach your goals and stay on the right side of the rules.

XHealth gives members two types of benefits: Day-to-Day Benefits (for routine medical costs) and Health Platform Benefits (for preventative care and screenings). Knowing the difference helps you get the most out of your cover.

XHealth offers a range of medical aid products to suit different budgets and needs. See how OneX, GrowX, NormX, MotiveX, GearX, and PinnacleX compare.

Here’s a simple breakdown explaining access to GPs and Specialists across different XHealth products.

Compare XHealth medical aid options to find the product that fits your budget, day-to-day needs, hospital needs, and family composition.

Not sure whether LX-Up or LX-Move is right for you? Here’s how the two rewards programmes compare, so you get the most out of your cover.

XHealth Medical Scheme offers a range of flexible cover products tailored to individual and family needs. This article will elaborate on the Major Medical Benefits, Chronic Benefits, and Day-to-Day Benefits across XHealth's various products, including OneX, NormX, GrowX, MotiveX, GearX, and PinnacleX.

XHealth Medical Scheme's Platform Benefits are designed to encourage health awareness, enhance quality of life, and provide peace of mind through preventative care and early detection tests. These benefits are paid for by the Scheme up to a maximum rand amount per benefit, determined by specific tariff codes.

I am a fictious Benefit Councilor for the YX Employee Benefit Fund. My main function is to educate, inform, and assist members of the fund in making informed decisions about their benefits. In addition, I make sure members get the right advice when life changing events like marriage, childbirth, resignation or retirement happens.

XHealth is a demonstration scheme created by Molo to showcase how medical schemes can support members with personalised, digital-first services - from medical cover and savings options to gap cover and rewards programmes. This page shows how members can get the help they need in a faster, easier way. Instead of searching through long documents or waiting on hold, you can start a chat from anywhere and anytime.

The Molo Nominate My Beneficiary AI agent simplifies the legal complexities of the Pension Funds Act. It empowers members to securely capture and update their beneficiary nominations, ensuring their financial wishes are clearly and accurately documented.

The PSSPF 37C Trustee Distribution Assistant is an AI-powered platform designed to establish a consistent, repeatable, and legally compliant distribution process. It serves as a foundational enabler in ensuring a fair and equitable outcome before finalising death benefit payments to beneficiaries.

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The YX Employee Benefit Fund is a demonstration scheme created by Molo to showcase how employee benefit funds can deliver personalised, digital-first services. From life cover and pension savings to funeral cover and employee wellness programmes, members can access the support they need quickly, easily, and in their own language. Instead of paging through complicated documents or waiting on hold, members can simply start a chat — anytime, from anywhere.

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Milo is your Mindful Leadership Coach — a calm, AI-powered companion designed to help business managers pause, reflect, and recharge. Whether you're feeling overwhelmed, stuck, or simply need a quiet space to think, Milo offers a digital couch to sit on, journal your thoughts, and access just-in-time support.

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The Molo Retirement Fund Trustee Training Academy is your central hub for mastering the complexities of all retirement fund related responsibilities. Empowering South African trustees with AI-driven insights, we ensure you navigate governance, investments, and member benefits with unparalleled expertise.

Chat, ask questions and get instant answers while you take control of your financial journey.

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Your central hub for mastering AI, from basics to using tools like Microsoft 365 Copilot.

Educating, empowering, and transforming your life for the better.

Welcome to your go-to resource for supporting group risk schemes. Here, you’ll find policy documents, sales aids, compliance updates, and practical guides to enhance employee engagement and servicing. Everything you need to advise with confidence—all in one place.

Hi, I’m Anushka Naidoo — your behind-the-scenes problem-solver, making sure advisers have the tools, training, and tech they need to serve you effortlessly. I simplify the complicated, so your experience stays simple and seamless.

Benefit Smart is your go-to hub for empowering information, helping you understand, maximize, and confidently manage your retirement savings, life cover, funeral, and disability benefits.

Helping you discover how people could, should or do experience your business digitally. We prototype ideas for proof of concept, business case evaluation and development, design and develop web applications and systems from scratch, test web applications or prototypes with people, and maintain and support applications we have delivered.

Benefit Wize is your go-to hub for empowering information, helping you understand, maximize, and confidently manage your retirement savings, life cover, funeral, and disability benefits.

Transform your existing articles and content into AI-powered conversations. Molo.page makes your content interactive, helping visitors get instant answers, complete assessments, or qualify their needs through an intelligent chat. Your knowledge becomes your best assistant, working 24/7 to engage, inform, and capture qualified leads.

Whether you're launching a campaign, onboarding new customers, or building internal engagement, I help businesses simplify digital engagement by turning content into tools for real interaction. Let’s connect and explore how we can elevate your communication, your brand, and your business.

With over 25 years of experience as a user experience consultant, Garth has worked extensively with some of South Africa’s largest financial institutions, helping them design and implement customer-centric digital solutions. His deep understanding of user behavior, combined with a passion for innovation, has made him a trusted advisor in the realm of digital transformation. At molo.page, Garth leverages his expertise to drive the vision and strategy behind the platform, ensuring it empowers businesses to digitally enable their workforce with ease. He is committed to helping organizations enhance their visibility, credibility, and collaboration by creating personalized digital presences for their teams.