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.