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Cover that's value for money and meets your needs.

Momentum Medical Scheme offers unsurpassed value for money by combining flexibility with comprehensive medical cover, because it is important to match your family’s needs. The six registered options can be subdivided into 23 benefit options based on choosing either a network of associated providers or having the freedom to go to any provider of choice.

Evolve Option

Replaces Impact Option. Hospital cover from the Evolve Network of private hospitals.


R1 294 per month

Custom Option

Comprehensive hospital cover from Any or Associated providers.


R1 642 per month

Incentive Option

Extensive hospital cover from Any or Associated providers and Day-to-day Benefits.


R2 141 per month

Extender Option

Extensive hospital cover from Any or Associated providers and more Day-to-day Benefits.


R5 033 per month

Summit Option

Extensive hospital cover and Day-to-day Benefits from Any provider.


R10 187 per month

Ingwe Option

Hospital cover and Day-to-day Benefits from Associated providers.


R439 per month


Convenient and innovative features unique to Momentum

Take advantage of these extra features at no additional cost.





Multiply Rewards+

+ These extra features are complementary products available from Momentum, a division of Momentum Metropolitan Life Limited. Momentum is not a medical scheme, and is a separate entity to Momentum Medical Scheme. You can be a member of Momentum Medical Scheme without taking any of the complementary products that Momentum offers.

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How do medical schemes work?

The first important point to note is that the medical scheme belongs to you, the member.

All medical schemes in South Africa are non-profit organisations, governed by the Medical Schemes Act and regulated by the Council for Medical Schemes. The monthly contributions members pay to the scheme are pooled and used to pay for members’ healthcare expenses, in line with the scheme’s rules and the benefit option chosen.

What do medical schemes do with the contributions they receive from members?



Medical schemes contract with an administrator to handle all administrative processes on their behalf. These include the collection of contributions, the processing and payment of claims, the handling of any queries and member correspondence, etc. It can also include the marketing of the scheme. In turn the administrator receives a monthly fee from the scheme which gets disclosed to both the Council for Medical Schemes (the regulatory body that governs all South African schemes) as well as annually to members of the medical scheme. The administrator needs to ensure that the services contracted are performed in line with the Board of Trustees’ expectations.

Acquisition, marketing and distribution

Acquisition, marketing and distribution

The marketing and promotion of the scheme can be outsourced to the administrator, including paying financial advisers to help grow the scheme with new members. Commission is tightly regulated and may not exceed 3%, up to a maximum of R94.77 per month, per membership.



Medical schemes receive their income purely from members’ contributions. This money needs to pay for all the claims they have to settle (known as healthcare costs) as well as all the contracted costs explained above (non-healthcare costs). Another important point to note is that schemes are not allowed to charge members different contributions based on their age, gender, health status or any other discriminatory factor. They may also not refuse any person membership and can, at most, apply certain waiting periods to minimise their risk.

Appeals and Complaints

Momentum Medical Scheme is committed to ensuring that the interests of our members are protected at all times.

This includes providing appropriate and adequate systems and processes to make sure we settle your claims timeously and providing a prompt response to any queries, complaints and disputes you may have.

Step 1

We strongly advise that you contact us first through our call centre on 0860 11 78 59 or mail us at Should your query not be resolved adequately, you may request that your query be escalated to the respective manager for intervention or resolution.

Step 2

If you are still not satisfied with the resolution, you may lodge a formal complaint or dispute, either in writing or by phoning our dedicated toll-free complaints number on 0800 20 40 70 (available from 08:00 to 16:30, Mondays to Fridays), or you may request our call centre or correspondence consultant to provide you with the details of the process to be followed in order to have your query, complaint or dispute reviewed by Momentum Medical Scheme.

*It is essential that you follow the complaints process as outlined above to ensure that your query is timeously and efficiently resolved by Momentum Medical Scheme.

An aggrieved member does, however, have the right to lodge a complaint against a decision of Momentum Medical Scheme. Such complaint can be lodged with the Council for Medical Schemes (CMS). The CMS governs the medical schemes industry and therefore your complaint should be related to your medical aid. Any beneficiary who is aggrieved with the conduct of a medical scheme can submit a complaint. You can send your complaint in writing to the CMS via email at or via fax on 012 431 0608. The CMS can also be reached telephonically on 0861 123 267 or you can visit for more information and for the necessary forms that will need to be completed.

Scheme Rules

Request Scheme Rules

On request, the Scheme Rules can be made available to members of the Scheme. You can submit a request by logging on to