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Best Medical Scheme and Plans
You know that investigating the benefits and cost of medical aid plans in South Africa is complicated.
Momentum Health presents a range of plans designed to meet your needs and budget, potentially saving you more than R 1,000 per month in premiums (when you use listed providers).
Get further discounts by selecting your chronic medicine supplier!Irrespective of the choice of provider you make, the benefits of the plan remain the same, but you get discounted premiums!
Enjoy a variety of free preventative care benefits like an annual health assessment, a host of maternity benefits and much more.
All this from as little as R 645 pm, depending on the plan you choose!
In this article, we'll look at the key features of Momentum Health Medical Aid plans, their costs, and how they can benefit you.Hospital and day-to-day provider
Summit Plan - comprehensive cover- No overall annual hospital limit in any private hospital!
- Certain out-of-hospital procedures that can be safely performed in a doctor's room, registered day clinic, or outpatient facility.
- Linked specialists are covered in full, while other specialists are covered up to 300% of the Momentum Medical Scheme Rate.
- No annual limit on high and intensive care, maternity confinement and neonatal intensive care, renal dialysis, oncology, organ transplant recipients, MRI and CT scans, magnetic resonance cholangiopancreatography, whole body radioisotope and PET scans (in and out-of-hospital).
- Private nursing, Hospice and step-down facilities.
- Extensive day-to-day and 61 chronic condition benefits - from any provider!
- Day-to-day benefits are covered up to R 34,500 per beneficiary per year. There are sub limits per treatment.
- Increase your cover even further with HealthSaver, an additional product that you may choose to save for additional healthcare expenses!
- Earn extra GP visits by maintaining a high activity level on Momentum's HealthReturns programme!
Priced from R 16,469 pm, it offers comprehensive benefits with no overall annual hospital limit and a focus on personalised care.
Extender Plan - hospital and day-to-day benefits, with a safety net when savings spent.- No overall annual hospital limit in private hospitals!
- Choose any hospital or a network of private hospitals for a discounted contribution!
- 61 Chronic conditions treated by any doctor or pharmacy, or a network of providers, or the State, for a discounted contribution!
- A dedicated Savings account to cover your day-to-day expenses!
- Extended Cover benefits once you have reached Threshold (a pre-determined amount that is based on your family size)!
- Increase your cover even further with Momentum's HealthSaver, an additional product that you may choose to save for additional healthcare expenses!
- Earn extra GP visits by maintaining a high activity level on Momentum's HealthReturns programme!
From R 7,939 pm, with R 23,820 savings for day-to-day expenses and a safety net once R 36,900 spent, it provides flexibility and savings, making it a viable option for those seeking value for money.
Incentive - hospital and day-to-day benefits paid from a savings fund.
- No overall annual hospital limit in private hospitals!
- Choose any hospital or a network of private hospitals for a discounted contribution!
- 32 Chronic conditions treated by any doctor or pharmacy, or a network of providers, or the State, for a discounted contribution!
- Comprehensive maternity programme.
- A dedicated Savings account to cover your day-to-day expenses!
- Increase your cover even further with Momentum's HealthSaver, an additional product that you may choose to save for additional healthcare expenses!
- Earn extra GP visits by maintaining a high activity level on Momentum's HealthReturns programme!
From R 3,362 pm with R 4,032 savings for day-to-day expenses.
Hospital plans
Custom - affordable hospital plan with preventative benefits
- No overall annual hospital limit in private hospitals!
- Choose any hospital or a network of private hospitals for a discounted contribution!
- 26 Chronic treatment from any doctor or pharmacy, or a network of providers, or the State, for a discounted contribution!
- Preventative screening tests, a maternity programme, certain check-ups and more!
- Increase your cover even further with Momentum's HealthSaver, an additional product that you may choose to save for additional healthcare expenses!
- Earn extra GP visits by maintaining a high activity level on Momentum's HealthReturns programme!
Use hospitals and providers linked to Momentum Health and get discounted rates!
Evolve - hospital cover in a network of private hospitals, with virtual GP visits.
- No overall annual hospital limit in the Evolve Network of private hospitals!
- Associated specialists covered in full
- Co-payment for all Major Medical Benefits, except in the case of motor vehicle accidents, maternity confinements or emergency treatment.
- Sports injury benefit.
- 2 virtual consultations from the GP Virtual Consultation Network.
- 26 Chronic illness treatments from state providers!
- Preventative screening tests, a maternity programme, certain check-ups and more!
From R 2,029 pm.
Ingwe - affordable entry-level cover with network providers
- No overall annual hospital limit!
- Choose to use any hospital or the Ingwe Network of private hospitals, or to use State hospitals for an even lower monthly contribution!
- Chronic treatment and day-to-day benefits, such as doctors visits or prescribed medicine, from a Network of providers!
- 26 chronic condition benefits!
- Preventative screening tests, a maternity programme, certain check-ups and more!
From R 645 pm.
All benefits are plan specific.
Free Health Platform.
Encourages health awareness, enhances the quality of life and gives peace of mind through preventative care, early detection, a leading maternity programme, management of certain diseases, health education and advice and emergency cover.Limited benefits are paid by the scheme and providers are plan dependant.
Private healthcare providers can charge up to 500% of medical scheme rates.Medical aids add procedure co-payments as well.
These are significant costs you must consider.
Protect yourself by joining Zest's GAP or top-up insurance plan.
This separate insurance will cover most in-hospital claim shortfalls and any co-payments. It is a vital safety net, ensuring you have enough to cover medical treatments, without having to pay for unexpected costs.Joining a hospital plan with Gap Cover is the most affordable way for families to protect against rising costs in 2026.
Specialised Dental treatments can be extremely expensive!
The costs of braces, root canal, implants and so on, can run into thousands of rand.Most treatments are done out-of-hospital, and are paid from your savings.
That can result in less money available for other medical needs and family limits being used on one member only!
Dental treatment is something we all need and it is vital you consider the Best Dental Insurance Plan
OR Most Affordable Dental Plan in South Africa.
No Medical Aid or have a Hospital Plan only?
This plan will help you meet the high costs of both normal and specialised dentistry!
Choose to make use of complementary products available from Momentum to seamlessly enhance your medical aid. (available from Momentum Group (Momentum)
Join Multiply, Momentum's wellness and rewards programme, and get rewards from day one, like discounts and cash-backs from over 60 fantastic partners like Virgin Active, Pick n Pay, Edgars, Jet, CNA, Nu Metro and more!Access to:
- digital health and fitness assessment on the Momentum App.
- earn HealthReturns of up to R3,000 per family per month as well as free GP visits and increased in-hospital cover!
- Wysa, Multiply's 24/7 mental wellness coach, available to help you build mental resilience.
- a carefully selected range of healthy living partners, offering DNA testing, nutritional coaching, high-quality supplements, and more.
- fantastic partner discounts and cashbacks.
HealthSaver a savings account that works seamlessly with your medical aid regardless of which option you choose. Use it to make added provision for healthcare expenses, such as co-payments, cosmetic surgery, refractive eye surgery, and vitamins, as well as your monthly medical aid contribution!
Hello Doctor allows you to talk to a doctor on your phone, anytime, anywhere, in any language - for free, with no service fee!
The Momentum App gives you access to all your products in one place. You can check your HealthSaver balances and HealthReturns earned, as well as submit and track your claims!
Momentum Health medical aid plans
Frequently Asked Questions: Momentum Health Medical Aid Plans
Can Momentum Health Medical Aid Save You More than R 1,000 in Premiums?
Yes, because Momentum Health offers a range of plans to suit your needs, and if you use listed providers, you can enjoy premium discounts of up to R 1,000 per month. Irrespective of which provider you choose to use, you still receive the same benefits, but with discounted premiums.
What are the Key Benefits of Momentum Health Medical Aid Plans?
Momentum Health's plans all offer comprehensive benefits, designed to meet your needs and pocket. From no overall annual in-hospital limits to extensive day-to-day and chronic illness benefits, you are sure to find a plan you like.
What Other Benefits does Momentum Health offer?
HealthSaver, a voluntary savings account that works seamlessly with your medical aid and paying for treatments and procedures not covered by your plan.
HealthReturns, an incentive programme rewarding you for staying healthy.
Hello Doctor, free expert health advice from qualified doctors using your phone/mobile device.
Multiply, a wellness rewards programme offering cashbacks and discounts for making healthy lifestyle choices.
Plus, the Momentum App puts all your healthcare needs at your fingertips.
What Makes Momentum Health Medical Aid Plans Affordable?
Momentum Health understands the importance of affordability, and plans starting from as low as R 645 per month, based on your income.
Choose a specific chronic provider, and you get significant premium discounts.
How Can I Enhance My Medical Aid Experience with Momentum Health?
Momentum Health offers complementary products to enhance your medical aid, including the Multiply wellness and rewards program, HealthSaver for added provision, and Hello Doctor for convenient telemedicine consultations.
P.S. If you work for a company, pass the Momentum Health Medical Scheme onto your HR I'm sure that they can save your company substantial money. And won't that look good for you!
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