Momentum Medical Scheme is one of South Africa’s leading open medical schemes, offering a range of plans designed to suit different budgets and healthcare needs. From affordable entry-level options like the Ingwe Option for lower-income earners to comprehensive plans like the Summit Option for those who want full hospital cover, Momentum provides flexibility in how you access healthcare—and how much you pay.
This guide provides current prices, plan features, and contact details for Momentum Medical Scheme.
Momentum Medical Aid Plans: Prices & Contact Details
Contribution Increases for This Year
Momentum Medical Scheme has announced an average weighted increase effective from the start of this year. This means most members will see their monthly contributions rise compared to the previous year.
For the Ingwe Option, which targets lower-income earners, contributions are determined by income bands. Members earning below a certain threshold must submit proof of current income to qualify for the relevant contribution rate.
Momentum Medical Plan Options at a Glance
Momentum offers the following medical plan options:
| Plan Option | Best For | Hospital Cover | Day‑to‑Day Cover |
|---|---|---|---|
| Ingwe | Lower‑income earners | Basic hospital cover | Limited benefits |
| Evolve | Entry‑level, healthy individuals | Associated hospital network | Health Platform benefits |
| Custom | Flexible, value‑conscious members | Choice of hospital network | 10% savings + Health Platform |
| Incentive | Moderate users wanting savings | Choice of hospital network | 10% savings + Health Platform |
| Extender | Comprehensive cover seekers | Choice of hospital network | Enhanced benefits |
| Summit | Premium, comprehensive cover | Full hospital cover (any provider) | Extensive benefits |
Detailed Plan Prices and Features
1. Ingwe Option
The Ingwe Option is Momentum’s most affordable plan, designed specifically for lower-income earners. Contributions are based on your monthly income band.
Income bands currently include categories ranging from the lowest earners to those above a specific threshold.
Key benefits:
– Preventative dental care has been increased
– Basic hospital cover for emergencies and planned procedures
2. Evolve Option
The Evolve Option is an entry-level plan for healthy individuals. It provides access to a network of Associated providers (pre-selected hospitals, GPs, and pharmacies) to keep costs lower.
Key benefits for this year:
– Health Platform Dental Benefit has been increased per beneficiary per year
– New FIT test screening for colon cancer (for members in a specific age range)
– Cover for hospitalisation through Associated provider network
3. Custom Option
The Custom Option offers flexibility in how you access healthcare. You can choose between Any hospital provider or Associated hospitals (a specific network of private hospitals) to adjust your monthly contribution.
Contribution examples for a single member (Custom Option):
| Hospital Provider Choice | Chronic Provider Choice | Monthly Contribution | Saving vs. Any/Any |
|---|---|---|---|
| Any | Any | Baseline | 0% |
| Any | Associated | Lower | ~11% |
| Any | State | Lower | ~26% |
| Associated | Any | Lower | ~16% |
| Associated | Associated | Lower | ~25% |
| Associated | State | Lowest | Up to 42% |
How savings work:
– Choosing Associated hospitals (a specific network of private hospitals) saves you around 16% compared to “Any hospital”
– Choosing State facilities for chronic treatment saves you around 26%
– Combining both (Associated hospitals + State chronic) saves you up to 42%
Additional features:
– A percentage of your contribution goes to a Personal Medical Savings Account for day-to-day expenses
– Access to Health Platform benefits (preventative screenings, check-ups)
4. Incentive Option
The Incentive Option is designed for members who want more comprehensive cover with the ability to earn rewards through Multiply (Momentum’s wellness programme).
Key features for this year:
– No overall annual limit for hospitalisation
– Choice of hospital network (Any or Associated)
– A percentage of contribution allocated to Personal Medical Savings Account
– Access to Health Platform benefits
– Option to use HealthSaver+ for additional day-to-day cover
5. Extender and Summit Options
These are Momentum’s comprehensive plans for members who want the highest level of cover. Both options offer:
– Full hospital cover with choice of Any provider
– Enhanced day-to-day benefits
– Access to HealthSaver+ for additional savings
– Africa Benefit cover for members working in sub-Saharan Africa
Health Platform and Additional Benefits
Health Platform Dental Benefit
Starting from the Evolve Option and higher, members receive an annual dental benefit for preventative dental care.
New FIT Test Screening
A new screening benefit for colon cancer has been introduced. The FIT test (Faecal Immunochemical Test) is a less invasive, cost-effective way to detect colon cancer early. It is available once a year to members in a specific age range, starting from the Evolve Option and higher.
HealthSaver+ (Complementary Savings Account)
All Momentum Medical Scheme members qualify for HealthSaver, a complementary savings account that lets you save for medical expenses not covered by your plan.
Key HealthSaver features:
– An annual administration fee (deducted at the start of each year)
– Earn Savings Booster based on your Healthy Heart Score and fitness assessment
– Use funds for medical expenses at doctors, pharmacies, dentists, optometrists, veterinary services, and more
– Pay your medical scheme contribution from your positive HealthSaver balance
– Scan to Pay: Access funds via the Momentum App (or order a physical HealthSaver card)
HealthSaver uses include:
– Gym membership fees (via Rewards balance)
– Fitness devices (paid with HealthReturns)
– Educational costs for child dependants
Africa Benefit
For members working in sub-Saharan Africa on the Custom, Incentive, Extender, or Summit Options, Momentum provides the Africa Benefit.
Countries covered include many across sub-Saharan Africa. Members must reside primarily outside South Africa to qualify for this benefit.
Coverage includes:
– Emergency and elective hospital admissions
– Day procedures and medical admissions
– International emergency medical transport (pre-notification required)
Important: Members on Associated hospital provider options pay a co-payment per event for treatment in sub-Saharan Africa.
How to Save on Your Momentum Contribution
Momentum offers significant savings to members who are willing to use their Associated provider network.
| Department/Service | Contact Number | Notes | |
|---|---|---|---|
| Member Call Centre (SA) | 0860 11 78 59 | member@momentumhealth.co.za | General enquiries, claims, membership |
| From outside SA (non‑emergency) | +27 31 573 4008 or +27 31 573 4000 | — | For members travelling or working abroad |
| Medical emergency in sub‑Saharan Africa | +27 11 541 1263 | — | Reverse call charges accepted |
| Africa Benefit claims | — | africaclaims@momentumhealth.co.za | For elective treatment claims |
| International travel emergency claims | — | internationaltravel@momentumhealth.co.za | Pre‑notification required before travel |
| Fitness device claims | — | claims@momentumhealth.co.za | Send invoice with proof of payment |
| HealthSaver Scan to Pay access for dependants | — | member@momentumhealth.co.za | Include membership number and dependant details |
| Momentum Health Solutions (Eastern Cape) | +27 41 451 0403 | — | Gqeberha office |
The example shown for the Custom Option demonstrates that a single member can save substantially per month by choosing Associated hospitals and State chronic care instead of “Any” providers.
Contact Details for Momentum Medical Scheme
| Department/Service | Contact Number | Notes | |
|---|---|---|---|
| Member Call Centre (SA) | 0860 11 78 59 | member@momentumhealth.co.za | General enquiries, claims, membership |
| From outside SA (non‑emergency) | +27 31 573 4008 or +27 31 573 4000 | — | For members travelling or working abroad |
| Medical emergency in sub‑Saharan Africa | +27 11 541 1263 | — | Reverse call charges accepted |
| Africa Benefit claims | — | africaclaims@momentumhealth.co.za | For elective treatment claims |
| International travel emergency claims | — | internationaltravel@momentumhealth.co.za | Pre‑notification required before travel |
| Fitness device claims | — | claims@momentumhealth.co.za | Send invoice with proof of payment |
| HealthSaver Scan to Pay access for dependants | — | member@momentumhealth.co.za | Include membership number and dependant details |
| Momentum Health Solutions (Eastern Cape) | +27 41 451 0403 | — | Gqeberha office |
Physical Address (Momentum Health Solutions)
20 Bennett Street
Korsten, 6020
Gqeberha (Port Elizabeth)
Eastern Cape, South Africa
Online Resources
– Website: momentummedicalscheme.co.za (includes web chat)
– Momentum App: Access your HealthSaver, Scan to Pay, and manage your membership
Frequently Asked Questions
How much is the average Momentum contribution increase for this year?
The average weighted increase is effective from the start of this year.
What is the cheapest Momentum medical aid plan?
The Ingwe Option is the most affordable, with contributions based on your monthly income band. Members in the lowest income band pay the lowest rate.
How can I save on my Momentum monthly contribution?
You can save by choosing to use Associated providers (a specific network of hospitals, GPs, and pharmacies) instead of any provider. Savings can be substantial depending on your choices.
What is HealthSaver?
HealthSaver is a complementary savings account that all Momentum Medical Scheme members can use. There is a small annual administration fee. You can use it to pay for medical expenses not covered by your plan, such as vitamins, scheme exclusions, and even gym membership.
Does Momentum cover members living or travelling in Africa?
Yes. The Africa Benefit provides cover for members on Custom, Incentive, Extender, or Summit Options who work in or travel to sub-Saharan African countries.
How do I access my HealthSaver funds?
You can use the Scan to Pay feature on the Momentum App at participating healthcare providers and retailers. You can also order a physical HealthSaver card via the app or by calling the member call centre.
What is the Health Platform Dental Benefit for this year?
Starting from the Evolve Option and higher, members receive an increased annual dental benefit per beneficiary for preventative dental care.
Conclusion
Momentum Medical Scheme offers a range of plans to suit different budgets and healthcare needs. For this year, contributions have increased, but members can save significantly by choosing to use Associated providers—potentially reducing monthly payments by a substantial margin on plans like the Custom Option.
For the most affordable entry point, consider the Ingwe Option (if you qualify based on income) or the Evolve Option with Associated provider choices. For comprehensive cover, the Incentive, Extender, or Summit Options provide full hospital cover and access to valuable benefits like HealthSaver.
For specific quotes based on your family composition, age, and provider choices, contact Momentum directly at 0860 11 78 59 or visit momentummedicalscheme.co.za.