Momentum Medical Aid Plans 2025 Prices & Contact Details

This article explores the six main Momentum medical aid plans available in 2025, their pricing structures, benefits, and contract details to help you make an informed decision about your healthcare coverage.

In a country where access to quality healthcare is both a necessity and a challenge, Momentum Medical Scheme has positioned itself as one of South Africa’s most trusted and flexible medical aid providers. With a wide range of plans tailored to suit students, young professionals, families, and retirees, Momentum offers something for everyone—whether you’re looking for basic hospital cover or comprehensive day-to-day benefits.

Momentum Medical Aid Plans And Prices

Momentum offers six core medical aid options in 2025:

Ingwe Option

Evolve Option

Custom Option

Incentive Option

Extender Option

Summit Option

Let’s break down each one in detail.

1. Ingwe Option

Best for: Students, young adults, and low-income earners Starting price: From R589/month

The Ingwe Option is Momentum’s most affordable plan. It provides basic hospital cover and limited day-to-day benefits. Members can choose treatment from:

Any hospital

The Ingwe Network of private hospitals

State hospitals

Key Benefits:

Chronic condition cover for 26 conditions

Basic dental and optometry benefits

Two GP visits per year

Emergency cover

Contract Details:

No overall annual limit for hospitalisation

Waiting periods may apply for pre-existing conditions

Optional HealthSaver account for day-to-day expenses

2. Evolve Option

Best for: Digitally savvy individuals who prefer virtual consultations Starting price: From R1,847/month

The Evolve Option is a tech-forward plan that offers hospital cover through the Evolve Network of private hospitals. It includes:

Unlimited hospital cover (no annual limit)

Two virtual GP consultations per year

Access to emergency services

Key Benefits:

Chronic condition cover

Preventative care (e.g., vaccinations, screenings)

Optional HealthSaver for day-to-day costs

Contract Details:

Network-restricted hospital access

Virtual-first care model

No medical savings account included by default

3. Custom Option

Best for: Families and individuals needing flexible hospital access Starting price: From R2,353/month

The Custom Option offers comprehensive hospital and chronic cover. Members can choose between:

Any hospital

Associated providers (for lower premiums)

Key Benefits:

Cover for 26 chronic conditions

In-hospital specialist consultations

Optional HealthSaver for GP visits, medication, etc.

Contract Details:

No overall annual hospital limit

Waiting periods for pre-existing conditions

Option to reduce premiums by using network hospitals

4. Incentive Option

Best for: Members who want to save for day-to-day expenses Starting price: From R3,060/month

The Incentive Option includes hospital and chronic cover, plus a medical savings account. 10% of your monthly contribution goes into this account for day-to-day medical expenses.

Key Benefits:

Access to any or associated hospitals

Cover for 26 chronic conditions

Preventative care and maternity benefits

Contract Details:

Savings account rolls over annually

Members can track usage via Momentum’s app

Optional HealthSaver top-up available

5. Extender Option

Best for: Families and individuals needing extensive cover Starting price: From R7,215/month

The Extender Option builds on the Incentive Option by offering 25% savings allocation and Extended Cover once you reach your threshold.

Key Benefits:

Extensive hospital and chronic cover

Additional chronic conditions covered

Day-to-day benefits beyond savings threshold

Preventative care and maternity benefits

Contract Details:

Threshold-based extended benefits

Access to any or associated providers

Optional Multiply rewards integration

6. Summit Option

Best for: High-income earners seeking premium, unlimited cover Starting price: From R14,903/month

The Summit Option is Momentum’s most comprehensive plan. It offers unlimited private hospital cover and extensive day-to-day benefits.

Key Benefits:

Cover for 62 chronic conditions

R31,300 per beneficiary per year for day-to-day expenses

Access to any provider

Advanced cancer and maternity benefits

Contract Details:

No annual limits on hospitalisation

High day-to-day benefit cap

Premium pricing reflects extensive coverage

Comparing The Plans At A Glance

Plan Starting Price (Monthly) Hospital Access Chronic Cover Day-to-Day Benefits
Ingwe R589 Any / Network / State 26 conditions Limited (2 GP visits)
Evolve R1,847 Evolve Network only 26 conditions Virtual GP consults
Custom R2,353 Any / Associated 26 conditions Optional via HealthSaver
Incentive R3,060 Any / Associated 26 conditions 10% savings account
Extender R7,215 Any / Associated 36+ conditions 25% savings + Extended Cover
Summit R14,903 Any 62 conditions R31,300 per beneficiary/year

Optional Add-Ons and Benefits

Momentum allows members to customize their plans with optional extras:

1. HealthSaver

A flexible savings account that helps cover day-to-day medical expenses like GP visits, medication, and dental care. You choose how much to contribute monthly.

2. Multiply Rewards

Momentum’s wellness and rewards program. Members earn points for healthy behavior and get discounts on gym memberships, flights, and more.

3. Gap Cover

Available through Momentum’s partners, this covers the shortfall between what your medical aid pays and what specialists charge.

Contract Details and Terms

Before signing up, it’s important to understand the fine print:

Waiting Periods

General waiting period: 3 months

Pre-existing conditions: 12 months

Maternity benefits may have a 12-month waiting period

Minimum Contract Term

Minimum Contract Term

Most plans require a 12-month commitment

Early cancellation may result in penalties or loss of benefits

Dependents

Spouses, children, and even parents can be added

Child dependents are usually covered until age 21 (or 26 if studying)

Contribution Increases

Annual increases are announced in advance

Momentum has historically kept increases below industry average

How to Apply

You can apply for Momentum Medical Aid online or through a registered broker. Here’s what you’ll need:

South African ID or passport

Proof of income

Medical history (for underwriting)

Bank details for debit order

Applications are typically processed within 5–10 working days.

Why Choose Momentum Medical Scheme?

Momentum is the third-largest open medical aid scheme in South Africa, known for its innovation, affordability, and member-centric approach. It offers:

A wide range of plans to suit different budgets

Access to private hospitals and specialists

Chronic condition cover

Optional add-ons like HealthSaver and Multiply rewards

Transparent pricing and contract terms

Whether you’re a student looking for affordable entry-level cover or a family seeking full-spectrum protection, Momentum has a plan that fits.

Summary

Momentum Medical Scheme offers a diverse range of plans that cater to every stage of life and income level. Whether you’re a student on a tight budget or a family looking for comprehensive protection, there’s a Momentum plan that fits your needs.

With transparent pricing, customizable benefits, and a strong reputation for service, Momentum continues to be a top choice for South Africans seeking peace of mind in their healthcare journey.