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Affordable medical aid

Finding the right healthcare cover shouldn't be a pain in the neck. As one of the most trusted medical aid schemes in South Africa, we can help you find the best medical aid option to suit your individual or family needs, with industry-leading benefits.

  • Save up to R1 000 when you use Associated providers.
  • Earn up to R3 000 a month in rewards+.
  • View all our medical aid options to find the right plan.

Momentum Medical Aid Options


With Momentum Medical Scheme, you have access to a wide range of medical aid options and industry-leading benefits. Whether you’re a student looking for the most affordable medical aid, a young professional, or a breadwinner who needs extensive cover for your whole family in South Africa, we’ve got you covered.

Momentum Medical Aid Plans

Cover that’s value for money and meets your needs

Momentum Medical Scheme provides a complete range of medical aid plans, from affordable entry-level cover to fully comprehensive medical aid cover in South Africa.

Take a look at our options below to find the best medical aid option to match your budget and your needs and get an online quote in 4 easy steps.

Evolve Option

Get cover for hospitalisation from the Evolve Network of private hospitals with no overall annual limit. You have access to 2 virtual doctor’s consultations and any additional day-to-day benefits are subject to HealthSaver+.


from

R1 345* per month
*Contributions from 1 Jan to 31 Aug 2022 remain unchanged. From 1 Sep 2022, contributions increase to R1 424 p/m.

Custom Option

Get comprehensive hospital and chronic cover from Any or Associated providers. You can choose to have access to treatment at any hospital or to receive a discount on your contribution by electing to use a specific list of private hospitals.


from

R1 706* per month
*Contributions from 1 Jan to 31 Aug 2022 remain unchanged. From 1 Sep 2022, contributions increase to R1 808 p/m.

Incentive Option

Get extensive hospital and chronic cover from Any or Associated providers. 10% of your contribution goes to a dedicated medical savings account to cover your day-to-day expenses.



from

R2 224* per month
*Contributions from 1 Jan to 31 Aug 2022 remain unchanged. From 1 Sep 2022, contributions increase to R2 354 p/m.

Extender Option

Get extensive hospital cover and additional chronic cover from Any or Associated providers. 25% of your contribution goes to a dedicated medical savings account to cover your day-to-day expenses.


from

R5 231* per month
*Contributions from 1 Jan to 31 Aug 2022 remain unchanged. From 1 Sep 2022, contributions increase to R5 544 p/m.

Summit Option

Get unlimited private hospital cover from Any provider. Chronic cover available for an additional 36 conditions at Any provider. Day-to-day benefits are covered up to R28 000 per beneficiary per year.


from

R10 642* per month
*Contributions from 1 Jan to 31 Aug 2022 remain unchanged. From 1 Sep 2022, contributions increase to R11 331 p/m.

Ingwe Option

Get affordable and accessible entry-level medical cover. Choose to get treatment from Any hospital, the Ingwe Network of private hospitals, or State hospitals.


from

R455* per month
*Contributions from 1 Jan to 31 Aug 2022 remain unchanged. From 1 Sep 2022, contributions increase to R482 p/m.

Compare medical aid
prices and get a
quote online

Compare the cover and benefits of 2 or more Momentum Medical Scheme options side-by-side to find the most affordable option to suit your needs, then get an online medical aid quote, or call us on 0861 111 818 to discuss your medical aid and healthcare cover needs.


Please note: Your contributions from 1 January to 31 August 2022 remain unchanged. Only from 1 September 2022, will your contributions increase. Read more about why your contributions remain unchanged.

Compare options

Included medical aid benefits


Every Momentum Medical Scheme member can enjoy a variety of benefits that include, preventative care, hospitalisation, Day-to-day Benefits, access to chronic medication, and 24/7 medical advice at no extra cost.

Major Medical Benefit

This benefit covers hospitalisation as well as some out-of-hospital procedures that can be performed in a doctor's room, day hospital, or out-patient facility.

Health Platform Benefit

A unique benefit that encourages health awareness, enhances quality of life and gives peace of mind through preventative care and early detection tests.

Day-to-day Benefit

For everyday medical expenses. The Day-to-day Benefit covers routine medical costs like doctors' visits and prescribed medication.

Chronic Benefit

Ensures you're covered for certain life-threatening conditions, such as diabetes and heart disease, that need ongoing treatment.

A content little boy sitting on his mother’s lap gets his chest examined by a young male doctor using a stethoscope.

SAVE EVEN MORE ON YOUR MEDICAL AID

Take charge of your medical cover and costs with Provider Choice

Custom, Incentive, and Extender Options give you the flexibility to choose your healthcare providers – hospitals, doctors, and pharmacies. You can choose to make use of Any, Associated, or State providers.

Save up to R1 000 on your monthly contributions when you choose to use Momentum Medical Scheme’s Associated providers.

MOMENTUM VALUE-ADDED BENEFITS

Convenient, innovative features, unique to Momentum

HealthReturns+

An incentive programme that rewards you for taking ownership of your health. We aim to help you stay informed about your health status and reward you for staying healthy.



HealthSaver+

A savings account that works seamlessly with your medical aid. The HealthSaver+ account, which costs just R40 a year to administer, is the most convenient way to pay for treatments and procedures not covered by your option, such as day-to-day medical expenses, co-payments, refractive eye surgery, vitamins, and more.

Hello Doctor+

Get free expert health advice from qualified South African medical doctors through your phone, tablet or computer, 24/7/365.




GapCover+

Helps you avoid unexpected shortfalls for in-hospital expenses, that are not covered by your medical
aid option.

from

R203 per month

+ You may choose to make use of additional products available from Momentum Metropolitan Holdings Limited (Momentum), to seamlessly enhance your medical aid. Momentum is not a medical scheme and is a separate entity to Momentum Medical Scheme. The complementary products are not medical scheme benefits. You may be a member of Momentum Medical Scheme without taking any of the complementary products.

Young fit couple in gym gear sitting on the street, smiling, and looking at the young man’s fitness watch that’s tracking health activity for Momentum Multiply points.

Momentum Multiply rewards and discounts

Healthy lifestyle rewards

Momentum Multiply is a rewards programme that guides, motivates and rewards you for taking everyday steps to live a better and happier life on your journey to success. Momentum Medical Scheme members get immediate access to benefits and rewards at a range of partners on the Multiply online shop with Multiply Starter.

More about medical aid

Learn how to get the best out of your medical aid in South Africa.

How to make the most
of your benefits

How to submit
a claim

How to get
pre-authorisation

Frequently asked
questions

Download the
Momentum App

About Momentum
Medical Scheme

All you need to know about COVID-19 vaccine

All you need to know about
covid test


Want a quote?

You'll get a quote reflecting the medical aid contribution at the end of the process.

Need advice?

An accredited healthcare consultant will call you to discuss our medical aid options and benefits.

More information and contact us

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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?

Administration

Administration

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.

Contributions

Contributions

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.

Complaints and Disputes

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. In order to affect this commitment, a Complaints and Disputes Policy and Procedure is in place. The full policy may be accessed here, the steps in summary are:

Step 1

We strongly advise that you contact us first through our call centre on 0860 11 78 59 or mail us at member@momentumhealth.co.za. 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

Should you believe that your complaint has not been adequately dealt with through the normal query process, through the Scheme's Contact Centre (available from 08:00 to 16:30, Mondays to Fridays), you may write to the Principal Officer providing details of the complaint, or formally request the Scheme’s Administrator provide the Principal Officer with details of your complaint.

Step 3

Should you not be satisfied with the decision taken by the Principal Officer, you may then request that the appropriate Committee of the Board review the decision taken by the Principal Officer.

Step 4

Should you not be satisfied with the decision taken by the Committee of the Board, you may request the Principal Officer to convene a meeting of the Scheme’s Disputes Committee, set up in terms of the Medical Schemes Act. This may be done by either writing to the Principal Officer, or by phoning the dedicated toll-free complaints number on 0800 20 40 70.

We urge you to follow the above process to ensure that your complaint is timeously and efficiently resolved by Momentum Medical Scheme, but an aggrieved Member has the right to lodge a complaint or an appeal with the Council for Medical Schemes against the decision of the Principal Officer or the Committee of the Board at any time prior to a request to convene a meeting of the Scheme’s Disputes Committee.

The Council for Medical Schemes(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 complaints@medicalschemes.co.za or via fax on (086) 673 2466. The CMS can also be reached telephonically on 0861 123 267 or you can visit medicalschemes.co.za for more information and for the necessary forms that will need to be completed.

Scheme Rules

Request Scheme Rules

Scheme Rules can be requested by Members of the Scheme. Log into your profile to submit a request.