Forcing members indirectly to pay more for Myriad Premiums even though trusted systems are in place to establish fitness

Recently Momentum Health members who has any Myriad products (life insurance, critical illness, disability cover, etc) needs to go for Fitness Assessments on their own cost to evaluate where they are on their fitness level, just so that Momentum can lower everybody's fitness level to increase premiums for all of their members. This is ridiculous.

One would think that this is straightforward and reasonable, but a member already has to achieve Green Healthy Heart Status (which is very difficult with the parameters that Momentum calls "industry norm" for glucose, cholesterol and so forth) and get 16+ Active Dayz per month. For a normal working person, this is also very difficult to achieve.

Now I have to drive 400km (200km back and forth) to a designated fitness instructor on a weekend and I have to pay for this so that Momentum can establish if I'm fit or not and make me pay more for my premiums (all on my own costs).

I'm very disappointed with Momentum. Literally every year since I've joined in 2015 they have made it harder and harder to get to Private Club, the Safe Dayz app is a joke (it works haphazardly and the beginning of every year it needs to be reconfiqured), Momentum forces you to buy their Myriad products otherwise there is NO chance of getting to Private Club and now they are sneakily increasing everybody's Myriad products premiums even though there are two other trusted ways (Green Healthy Heart and Active Dayz) of establishing if someone is fit and their health risk is low.

Honestly, I will NEVER recommend Momentum Health to anyone cause they really don't care about their members.