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Medical aid
Momentum Medical Scheme

As one of the most trusted medical aid schemes in South Africa, we can help you find the most affordable 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.

Our medical aid plans

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.


Covers hospitalisation from the Evolve Network of private hospitals (no overall annual limit) with 2 virtual doctors’ consultations. Additional day-to-day benefits are subject to HealthSaver+. Now includes a sports injury benefit that provides 2 physiotherapist or biokineticist visits up to R1 000 per beneficiary per year.

from R1 539 per month


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

from R1 960 per month


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 549 per month


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 plus you get Extended Cover benefits once you reach the Threshold amount.

from R6 009 per month


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 R29 700 per beneficiary per year.

from R12 345 per month


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 R495 per month

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.

Why choose us?

  • In-hospital Benefit
  • Health Platform Benefit
  • Day-to-day Benefit
  • Chronic Benefit

In-hospital Benefit

The Major Medical 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

Day-to-day Benefit

Chronic Benefit

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

Save up to R1 000
a month with
Provider Choice

Custom, Incentive, and Extender Options give you the flexibility to choose your healthcare providers – hospitals, doctors, and pharmacies. Save up to R1 000 on your monthly contributions when you choose to use Momentum Medical Scheme’s Associated providers.


Convenient, innovative features, unique to Momentum


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.



A voluntary medical savings account that works seamlessly with your medical aid. It pays for treatments and procedures not covered by
your option.

R40 per year

Hello Doctor+

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



Gap cover 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.


Enjoy cashbacks and discounts

All members have access to Multiply+ Starter for free, which offers you discounts and cashbacks from a variety of partners. You can also upgrade to a Multiply+ Premier membership, which will reward you with additional cashbacks and discounts on Momentum products, at a range of partners and on the Multiply online shop.

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

Frequently asked

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Momentum App

About Momentum
Medical Scheme

COVID-19 tests, vaccines, and Long COVID-19

Employee wellness and
medical aid

Employee occupational health and wellbeing

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.

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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.

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 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 or via fax on (086) 673 2466. 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

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

Contact Momentum Medical Scheme

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Business hours are Monday to Friday from 07:30 to 17:00. Saturdays from 08:00 to 12:00. Closed on Sundays and public holidays

Available 24 hours a day, 7 days a week, 365 days a year.

Available 24 hours a day, 7 days a week, 365 days a year.