Principle Member
From R3362
Dependant Member
From R2653
Child Dependant
From R1020
Incentive
Silver
Principle Member
From R5857
Dependant Member
From R3152
Child Dependant
From R1224
Principle Member
From R645
Dependant Member
From R645
Child Dependant
From R645
Ingwe
Silver
Principle Member
From R5857
Dependant Member
From R3152
Child Dependant
From R1224
Principle Member
From R16469
Dependant Member
From R13075
Child Dependant
From R3756
Summit
Silver
Principle Member
From R5857
Dependant Member
From R3152
Child Dependant
From R1224
Principle Member
From R7939
Dependant Member
From R6021
Child Dependant
From R2335
Extender
Silver
Principle Member
From R5857
Dependant Member
From R3152
Child Dependant
From R1224
Principle Member
From R2029
Dependant Member
From R2029
Child Dependant
From R2029
Evolve
Silver
Principle Member
From R5857
Dependant Member
From R3152
Child Dependant
From R1224
Principle Member
From R2585
Dependant Member
From R1956
Child Dependant
From R916
Custom
Silver
Principle Member
From R5857
Dependant Member
From R3152
Child Dependant
From R1224
Overall, Momentum Medical Scheme offers 6 medical aid plans (Ingwe, Evolve, Incentive, etc.) and plans start from R645 per month with monthly income less than R1500 pm on the Ingwe Student plan. Additionally, Momentum Medical Scheme offers 24/7 emergency support and offer gap cover optional extra.
| 🔎 Medical Aid | 🥇 Momentum |
| 📌 Registration Number | 1167 |
| 📍 The average number of members | 330,000 |
| 🚩 Number of Markets | South Africa |
| 👥 Number of Employees | 500 – 1,000 |
| 📈 GCR Rating | AA |
| 📉 Average Customer Rating | 4.5 |
| 📊 Average Number of Reviews | 2,000+ |
| 📌 Market Share | +- 5% |
| 6️⃣ Number of plans | 6 |
| 🔎 Reviews by | 📈 Rating | 📰 Amount of reviews |
| Hello Peter | 1.58 ⭐ out of 5 / Trust index of 2.7 | 2 357 reviews |
| Google reviews | 4.3 ⭐out of 5 | 8.7k reviews |
| GCR Rating | AA | Very strong financial strength |
| SA Good News | Lesedi Awards | Employee volunteering is one of Momentum Group’s Corporate Social Investment’s |
| Momentum Health work-life balance review | 4.5 ⭐ out of 5 | Positive reviews |
| Medicalaid.com | 8.3 ⭐ out of 10 | Top 10 medical aid scheme |
| 🔎 Medical Aid | 🥇 Momentum |
| 📍 Headquartered | Centurion, Gauteng, South Africa |
| 📌 Registration Number | 1167 |
| 👥 The average number of members | 330,000 |
| ✔️ Number of Markets | South Africa |
| 👤 Number of Employees | 500 – 1,000 |
| 📈 GCR Rating | AA |
| 📎 Listed on the JSE? | ❎ No |
| 📉 JSE Stock Symbol | None |
| 💙 Average Customer Rating | 4.5 |
| 📍 Average Number of Reviews | 2,000+ |
| 📌 Market Share | +- 5% |
| 6️⃣ Number of plans | 6 |
| 🚑 Number of Hospitals in Network | 100+ |
| 🏠 Home care provided | ❎ No |
| 📱 Mobile App | ☑️ Yes |
| 📖 Momentum Medical Scheme Magazine for clients | ☑️ Yes |
| 💻 Medical Claims Portal | ☑️ Yes |
| 😷 Information Hub for COVID-19 | ☑️ Yes |
| ⚕️ Chronic Illness Benefits | ☑️ Yes |
| ⚠️ Number of PMB Chronic Conditions | 32 |
| 🖥️ Screening and Prevention offered | ☑️ Yes |
| 👶 Maternity Benefit | ☑️ Yes |
| 💵 Medical Aid Contribution Range (ZAR) | From R645 on the Ingwe student plan – R16,469 on the Summit Option |
| ⛔ Average Waiting Period | 3 – 12 months |
| ❌ Late-joiner penalties charged | If Momentum do apply a waiting period and/or a late joiner penalty to your membership, they will let you know before they activate your cover. |
| 🌎 Is International Medical Cover offered | ☑️ Yes |
| 💵 International Travel Benefit (ZAR) | Ingwe Option Not covered Evolve Option R5 million per beneficiary Custom Option R7.66 million per beneficiary Incentive Option R8 million per beneficiary Extender Option R8.22 million per beneficiary Summit Option R9.01 million per beneficiary |
The Council for Medical Schemes regulates Momentum Medical Scheme. The Council governs South Africa’s medical plan business for Medical Schemes (CMS), a regulating body set up under the Medical Schemes Act, No. 131 of 1998 (the Act). The CMS is responsible for a range of tasks related to the oversight of medical insurance plans, such as:
💙 Furthermore, if a medical scheme is found to violate the law, the CMS has the authority to issue administrative fines and penalties.
| 🔎 Plan | 💴 Contributions Range (Main) | 💵 Contributions Range (2x Adult) | 💶 Contributions Range (1 Adult + 1 Child) | 💷 Contributions Range (2 Adults + 1 Child) | 💶 Medical Savings (% of contribution or ZAR) |
| 1️⃣ Ingwe | 645 – 4,546 ZAR | 1,290 – 9,092 ZAR | 1,226 – 5,864 ZAR | 1,871 – 10,410 ZAR | None |
| 2️⃣ Evolve | 2,029 ZAR | 4,058 ZAR | 4,058 ZAR | 6,087 ZAR | None |
| 3️⃣ Custom | 3,749 – 4,472 ZAR | 6,707 – 8,061 ZAR | 5,071 – 6,068 ZAR | 8,029– 9,657 ZAR | None |
| 4️⃣ Incentive | 4,179 – 6,030 ZAR | 7,471 – 10,930 ZAR | 5,831 – 8,381 ZAR | 9,123 – 13,281 ZAR | Fixed at 10% of total contribution |
| 5️⃣ Extender | 9,017 – 11,472 ZAR | 16,418 – 20,712 ZAR | 11,664 – 14,763 ZAR | 19,065 – 24,003 ZAR | Fixed at 25% of Total contribution |
| 6️⃣ Summit | 16,469 ZAR | 29,544 ZAR | 20,225 ZAR | 33,300 ZAR | Not applicable. You can add the HealthSaver+ |
💙 The Ingwe Choice is an inexpensive option for entry-level protection. Members can use any hospital, the Ingwe Network of private hospitals, or State hospitals for an even lower monthly payment for hospitalization coverage.
💙 Depending on their provider choice, members must consult physicians within the Ingwe Primary Care Network or Ingwe Active Network for chronic treatment and day-to-day benefits such as GP visits and prescribed medication. Members who select any hospital may only utilize Ingwe Active Network GPs for chronic and routine care.
💙 In addition, members are covered for three virtual GP consultations per year through the Virtual GP Consultation Network, which includes Hello Doctor, enabling virtual consultations with a qualified doctor from the comfort of their own home or wherever they may be.
💙 The Health Platform Benefit provides reimbursement for preventative care services offered by an Ingwe Primary Care Network or Ingwe Active Network provider.
💙 Certain Health Platform Benefits, such as the maternity program, are accessible from providers outside of the selected network provider. In addition, Momentum HealthSaver+ is available for members who require additional day-to-day cover.
💙 Momentum HealthSaver+ is a supplemental product offered by Momentum that enables users to save for uninsured medical bills.
💙 Private hospital stays inside the Evolve Network plan are fully covered, with no annual limit. All Major Medical Benefits require a set co-payment except for hospitalization due to pregnancy or childbirth or care received during an accident. If you do not use Evolve Network Hospitals you will incur a 30% co-payment on the Hospital Account
💙 Members are expected to use State facilities for chronic care and are provided with coverage for two virtual GP consultations through the GP Virtual Consultation Network, which includes Hello Doctor.
💙 The Health Platform Benefit also covers daily advantages like preventative screenings and check-ups.
💙 To help members prepare for day-to-day or future medical costs that are not covered by their plan, Momentum offers a supplementary product called HealthSaver+.
💙 Private hospitalization costs are covered under the Customized Choice. No annaul limit on authorised hospitalisation. You can use any hospital you like, or you can choose to utilize a Network of private hospitals in exchange for a lower contribution.
💙 The Health Platform Benefit protects you from routine medical expenses, including check-ups, immunizations, and other preventative services. The Momentum HealthSaver+ is there for you if you also need protection for regular healthcare costs like doctor’s appointments and medication.
💙 In addition, you can save money for medical costs not covered by your plan of choice with the help of Momentum’s HealthSaver+. Except in the cases of automobile accidents, maternity confinement, and emergency care, the co-payment for Major Medical Benefits under the Custom Option is a fixed amount.
💙 The Incentive Option provides coverage for hospitalization expenses at private facilities, with no limit on the number of hospital stays per year. Members can utilize any hospital of their choice or select from a pre-determined group of private hospitals known as Associated Hospitals to reduce their monthly premium.
💙 Members can reduce their monthly contributions by utilizing a list of Associated doctors and the Medipost courier pharmacy. Additionally, by using state-run facilities for long-term prescriptions and medications, members have the opportunity to save the most on their monthly contributions.
💙 The Health Platform Benefit covers various medical services, including routine check-ups and cancer screenings. Ten percent of the monthly contribution goes into the Medical Savings Account to cover day-to-day expenses and routine medical costs.
💙 If extra coverage for everyday expenses is required, members can use the Momentum HealthSaver+. This complementary product offered by Momentum allows members to save for medical expenses not covered under their plan.
💙 The Extender Option covers hospitalization in a private facility. There is no annual limit on hospital stays. You can use any hospital you like, or you can choose to use only those on a select list of private hospitals (called Associated hospitals) to reduce your monthly premium.
💙 Regarding long-term care, you can visit any doctor or pharmacy you like for your long-term medication. You can reduce your monthly payment using a list of Associated doctors and the Medipost courier pharmacy.
💙 If you prefer, you can use State facilities for your chronic prescriptions and medications and save the most on your contributions this way instead. Preventative screenings, specific check-ups, and more are all paid for by the Health Platform Benefit. In addition, the Personal Medical Savings (Savings) account will make 25% of your contribution available for day-to-day healthcare needs.
💙 If your annual day-to-day expenses exceed your Savings, you can turn to the Extended Cover benefit, which kicks in once your day-to-day claims reach the Threshold (a set amount calculated based on the number of people in your family).
💙 As soon as you reach the Threshold, the Scheme will begin paying your claims from the Extended Coverage pool. However, before activating your Extended Cover, you can use the Momentum HealthSaver+ to cover additional day-to-day expenses and out-of-pocket costs.
💙 You can set aside money with Momentum HealthSaver+, a supplementary product offered by Momentum that helps you pay for medical costs not covered by your option.
💙 The Summit Option protects hospital stays at any private hospital without any annual limits. It also includes benefits for day-to-day and chronic care from any provider.
💙 Suppose you require additional coverage for everyday expenses, you can opt for the Momentum HealthSaver+, an additional product offered by Momentum to help save for medical expenses not covered by your chosen option. Additionally, the Health Platform Benefit offers coverage for preventative screening tests, specific check-ups, and more.
➡️ It is important to note that these are only some potential benefits of the Momentum Medical Scheme; actual benefits and coverage may vary depending on the member’s specific plan and options.
💙 You might also consider reading Easy Ways to Get Cheaper Medical Aid
💙 Momentum Medical Scheme offers the HealthSaver+. The Momentum HealthSaver+ is a product offered by Momentum that allows you to save for various medical expenses, such as vitamins, cosmetic surgery, and more.
💙 You can earn an interest rate of up to 10% on your positive balance, which is determined by a combination of your Healthy Heart Score and Active Dayz™. The annual fee for this account is only R40, and it offers a convenient way to pay for treatments and procedures that your plan may not cover.
💙 You can use your funds to pay for medical scheme contributions, fund your child’s education, buy vouchers for people in need, boost your retirement, and pay for non-medical expenses at pharmacies and veterinarians.
💙 Additionally, if you contribute monthly, you can access a digital coach. You’ll also get access to Wysa, your personal, confidential mental wellness companion, to support you whenever you need it. It’s private, easy to use, and available 24/7.. You can also use your funds to purchase fitness devices.
💙 Furthermore, you can access your funds with the Multiply Money Card to pay for various healthcare-related expenses such as medication, treatments, and consultations.
Earn rewards for every step you take to improve your health with Momentum Multiply. Start your wellness journey and get rewarded from day one! Here’s what you get:
Medical Aid Quote Momentum Medical Scheme process explained
➡️ To apply for Medical Aid through Momentum Medical Scheme, you must visit the official Momentum website, click the menu in the top left corner of the page, and select “Medical Aid” from the listed options. You can view all the medical aid options from here or get an online quote. You can select your option and apply online or request a callback to complete the application.
➡️ New Members 35 years or older may be subject to late-joiner penalties on Momentum Medical Aid Plans.
➡️ Get a Momentum Medical Aid quote from our Dedicated Medical Aid Specialists Broker
➡️ Visit the Momentum website and select “Medical Aid” from the menu on the left-hand side of the home page (click the three lines in the left corner).
➡️ Click “GapCover+” under the “Convenient, innovative features, unique to Momentum.” From here, you can view the GapCover+ brochure or click on “Get GapCover.”
➡️ The Individual Application form for GapCover will open in a new tab, and you must print the document to complete it.
You may also like:
5 Best Gap Cover Options for Under R1500
5 Best Gap Cover Options for Under R300
➡️ To submit a claim to Momentum Medical Scheme, you can follow these steps. Go to the “Medical Aid” section on the Momentum homepage. Scroll down and click on “Submit a Claim” under “Claims and Authorizations.”
To submit a compliment or a complaint to Momentum Medical Scheme, follow these steps:
If a complaint has not been managed to your satisfaction, you can explore the following avenues, depending on your complaint:
👉🏿 Read more: How to Report a Medical Aid Scheme for Wrongdoing
💙 You should notify your current medical aid of your intent to terminate coverage before switching to the Momentum Medical Scheme.
💙 After giving your current medical aid provider notice that you will cancel your coverage, you can apply for Momentum Medical Scheme online or over the phone.
Momentum Medical Scheme provides multiple channels of communication with its customer service team.
💙 Remember that the customer service hours and availability may change based on the method of contact and the nature of the issue at hand.
| 🔎 Medical Aid | 🥇 Momentum Medical Scheme (2026) | 🥈 Discovery Health (2026) | 🥉 Sizwe Hosmed Medical Aid Scheme (2026) |
| 📌 Operation started in | 1966 | 1992 | 1978 |
| 👥 Average # Members | 330,000 | 3.3 million | 63 577 members 152 421 beneficiaries |
| 📈 GCR Rating | AA | AAA | A+ |
| 📉 Number of Employees | 500 – 1,000 | 13,500 | 500 – 1,000 |
| 📊 Market Share | 5%> | 56.7% | <5% |
| 📎 Market Coverage | South Africa | 40 Markets | South Africa |
| ☑️ Customer Rating | 4.5 | 4.4/5 | – |
| 💙 Number of reviews | 2,000+ | 20,000+ | <1,000 |
| 📱 Mobile App | ✅ Yes | ✅ Yes | ✅ Yes |
| 💵 Contribution Range (ZAR) | 645 – 16,469 ZAR | 1,184 – 11,430 ZAR | 3,161 – 11,737 ZAR |
| 💴 International Travel Benefit (ZAR) | Up to 9.01 million ZAR | Up to 5 million ZAR | 100% of the Scheme Rate |
Read more comparisons between Momentum Medical Scheme and other Medical aid schemes:
Excellent.
I would like to take a moment to say that Momentum consistently has excellent customer service. Professionally, the consultants never fail to assist us and provide us with their undivided attention. Momentum, I appreciate I. – Mustafa Shields
Trusted Support.
Momentum Health has been excellent to work with since my husband had a medical emergency; they have been prompt in authorizing and approving PMBs. Their customer service representatives are always helpful and polite. Wow, that was effective! – Samuel Shepard
High-Quality Service.
Positive feelings about Momentum. Financial security includes a pension, life insurance, and medical assistance. Invariably helpful and high-quality service. – Zahraa Graves
💙 Overall, Momentum Medical Scheme is a well-established and trustworthy medical aid provider that offers an array of comprehensive plans including preventative care and additional benefits for its members.
💙 Momentum Medical Scheme has a range of customer support options, including a website and branches for those who want to learn more about the scheme and the overall company. Additionally, Momentum has diversified its product portfolio to include healthcare, car and home insurance, life cover, savings, and investments.
💙 With six medical aid plan options available, it is easy for both low- and high-income earners to find a suitable plan within the scheme. Furthermore, Momentum and Momentum Health strongly emphasize preventative measures, making it an ideal choice for individuals who want to stay on top of their health status.
💙 Therefore, Momentum Health is one of the most trusted schemes in South Africa.
👉🏿 Poll 1: 5 Best Medical Aids in South Africa for Young Adults
👉🏿 Poll 2: 5 Best Medical Aids under R500
| ✅ Pros | ❌ Cons |
| Momentum Health provides extensive coverage options, such as hospitalization care, long-term medication, regular check-ups, and preventative care | Momentum does not offer 24/7 customer support |
| Momentum Health prioritizes preventative care and provides members with several wellness programs to encourage healthy lifestyle choices | The live chat is only available during business hours |
| Members of Momentum Health have access to a round-the-clock telemedicine service that facilitates remote doctor consultations | Because of Momentum Health’s limited network of providers, members may have trouble locating a suitable medical center or doctor |
| Momentum Health provides a wide range of services and products, such as medical, auto, and home insurance, as well as life insurance, retirement planning, and investment services | Some members might have to pay more out-of-pocket expenses, depending on the plan they select |
👉🏿 You might also like the Momentum Summit
👉🏿 You might also like the Momentum Ingwe
👉🏿 You might also like the Momentum Incentive
👉🏿 You might also like the Momentum Extender
👉🏿 You might also like the Momentum Evolve
👉🏿 You might also like the Momentum Custom
👉🏿 You might also like the Multiply Rewards
Momentum is the third-largest medical aid in South Africa, with a high trust rating of 4.3, making it a popular and reputable option for South Africans regardless of their health needs.
Momentum’s entry-level medical aid plans provide South Africans extensive cover in terms of day-to-day care, hospital cover, and chronic conditions from 645 ZAR in 2026, making it a good and affordable option. Furthermore, the Ingwe option allows members to choose a plan according to their monthly income, ensuring they can choose a suitable option comfortably.
You can find this information under the “Medical Aid” section of the official Momentum website.
According to existing members, the Momentum Hospital plan offers comprehensive coverage and flexible contribution options that suit every budget.
You can access the official Momentum page and the “Medical Aid” option from the main menu. In addition, you can click on “log in” from the top right side of the page to enter your credentials and access your client portal.
Option changes can be done annualy at the end of a calendar year for the next calendar year.
If you want to add a child or adult dependent, you can log into your Momentum Medical Scheme profile.
Yes, there are different levels of cover available with Momentum Health Medical Scheme.
Momentum takes several days up to weeks, depending on the overall process and the documents and information received.
Yes, Momentum has a cashback program. However, this cashback is on its insurance and not medical aid. The Momentum optional benefit reimburses 15% of your paid premiums if you go four consecutive years without filing a claim. Once a claim has been resolved, a new Momentum Rewarder cycle will commence immediately after the incident date.
Momentum offers Multiply for discounts on gym memberships. Momentum Health’s optional Multiply rewards program offers a 25% gym membership discount. In addition, Virgin Active and Planet Fitness studios nationwide offer discounted rates without a minimum number of visits per month or year.
Yes, depending on your plan and pre-authorisation.
To apply for Momentum’s chronic medication and activate your chronic benefit, you must request that your treating doctor contact Momentum to receive the application. Once approved, you can receive your medication from a pharmacy.
Depending on your plan and available benefits, Momentum pays for prescribed and over-the-counter medication, often on plans with savings for medical aid or day-to-day benefits for OTC medicine.
Mental health illnesses like Bipolar disease, drug and alcohol rehabilitation, and post-traumatic stress are included in the list of 270 Prescribed Minimum Benefit conditions. These benefits are plan specific and according to the Momentum Health chronic formulary.
Momentum, like all other medical aids in South Africa, can apply waiting periods as determined by the Council for Medical Schemes (CMS). A three month general waiting period and 12 month pre-existing condition exclusion may be applied.
Momentum provides good comparable maternity benefits.
👉🏿 Ladies can make use of our free Ovulation Calculator
Momentum can be contacted on 0860 11 78 59 telephonically or on WhatsApp for customer care, chronic medication, emergency GP and Casualty Benefits, and other options. For emergencies, Momentum Medical Aid can be contacted at 082 911.
Adriaan holds an MBA and specializes in medical aid research. With his commitment to perfection, he ensures the accuracy of all data presented on medicalaid.com every three months. When he is not conducting research, Adriaan can be found indulging in his passion for trout fishing amidst nature.
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