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Affordable medical aid

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Benefits
In-hospital Benefit Health Platform Benefit Day-to-Day Benefit Chronic Benefit
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HealthSaver+ Momentum Multiply Hello Doctor+ GapCover+
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Evolve Custom Incentive Extender Summit Ingwe Save with Provider Choice
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Short-term insurance cover

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Our benefits & rewards Safety Returns Safety Alert Momentum Assist Accident Alert
Chapters in our journey
Science of Safety Safety for Sure Momentum Futures
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Life insurance cover

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Life cover Disability cover Income protection cover Critical illness cover Bond protection insurance Functional impairment cover
Industry leading benefits
LifeReturns Longevity Protector Breadth of Cover Guarantee
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Are you owed insurance money? Business continuity assurance
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Local & offshore investing

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Local investing
Investment Platform: Momentum Wealth Local fact sheets Tax-free investing Retirement investing
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Wealth Matters Global events Other events
Offshore investing
Investment Platform: Momentum
Wealth International Offshore fact sheets Momentum Global
Investment Management Offshore investing guide Global matters
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Long-term savings plans

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Estate planning

Overview Get your Will signed, sealed
& delivered at PostNet
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Estate duty calculator Frequently asked questions Contact us
Our services
Momentum Estate Plan Will drafting Estate cost cover Trust administration Deceased estate administration
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Never settle for the status quo

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#AdviceForSuccess

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#MomentumFutures

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2026 #SheOwnsHerSuccess Workshop host, Rorisang Thandekiso with Natasha Joubert, former Miss South Africa at the latest #SheOwnsHerSuccess Workshop.

#SheOwnsHerSuccess

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#ScienceOfSuccess

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close

Affordable medical aid

Overview Our options Compare options
Benefits
In-hospital Benefit Health Platform Benefit Day-to-Day Benefit Chronic Benefit
Complementary products
HealthSaver+ Momentum Multiply Hello Doctor+ GapCover+
Get help
Submit a claim Contact us
Our options
Evolve Custom Incentive Extender Summit Ingwe Save with Provider Choice
A smiling South African family of four enjoying time outdoors at sunset, promoting affordable and cheap medical aid in South Africa with up to R1 000 in HealthReturns rewards.
close

Short-term insurance cover

Overview Car insurance Home contents insurance Building insurance
Get help
Frequently asked questions Contact us
Benefits & Rewards
Our benefits & rewards Safety Returns Safety Alert Momentum Assist Accident Alert
Chapters in our journey
Science of Safety Safety for Sure Momentum Futures
Other
Business insurance Legal & Compliance
Three friends enjoying a meal together outdoors at a restaurant, as one of the ladies holds up a pink smartphone while the others lean in to look at the screen to view the benefits and rewards offered by Momentum Insure.
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Life insurance cover

Overview Calculate your discount Latest claims stats
Get help
How to submit a claim Contact us
Cover options
Life cover Disability cover Income protection cover Critical illness cover Bond protection insurance Functional impairment cover
Industry leading benefits
LifeReturns Longevity Protector Breadth of Cover Guarantee
Other
Are you owed insurance money? Business continuity assurance
Parents enjoy a day outdoors with their young daughter. The daughter is standing in the middle of them with her hands on each parent's cheeks.
close

Local & offshore investing

Overview Local investing overview Offshore investing overview Guaranteed solutions Partner solutions
Get help
Two-pot client support services Contact us
Local investing
Investment Platform: Momentum Wealth Local fact sheets Tax-free investing Retirement investing
Events and Webinars
Wealth Matters Global events Other events
Offshore investing
Investment Platform: Momentum
Wealth International Offshore fact sheets Momentum Global
Investment Management Offshore investing guide Global matters
A ceiling view of an abstract building.
close

Long-term savings plans

Overview Resource centre Our team
Our savings products
Retirement savings plan Education savings plan Endowment savings plan
Get help
Two-pot client support services Frequently asked questions Contact us
Resources for individuals
Brochures Forms Fund fact sheets How-to guides
Media centre
Press releases Videos
A young woman dressed in red looks boldly ahead, confident in a secure retirement built through retirement planning with a retirement annuity from Momentum Savings.
close

Estate planning

Overview Get your Will signed, sealed
& delivered at PostNet
Get help
Estate duty calculator Frequently asked questions Contact us
Our services
Momentum Estate Plan Will drafting Estate cost cover Trust administration Deceased estate administration
A young man who is journalling his intentions for his family, while starting the estate plan process to draft an executable Will during Wills Month.
close

Never settle for the status quo

A couple sits with a financial adviser getting #AdviceForSuccess.

#AdviceForSuccess

Learn more
#MomentumFutures. A young, optimistic woman sitting on top of her office desk smiling ahead.

#MomentumFutures

Learn more
2026 #SheOwnsHerSuccess Workshop host, Rorisang Thandekiso with Natasha Joubert, former Miss South Africa at the latest #SheOwnsHerSuccess Workshop.

#SheOwnsHerSuccess

Learn more
A chef carefully adds the final garnish to a plated dish, moving with precision and unwavering focus.

#ScienceOfSuccess

Learn more
MOMENTUM ESTATE PLAN

Your legacy is yours to plan, protect and pass on

This Wills Month, make your wishes count. Secure the legacy you’ve worked hard to build with the Momentum Estate Plan.

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Medical aid

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Life insurance

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Car & home insurance

Cover your car and home in one quote.

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Households working with a financial adviser invest 9.5 times more than those without one.

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77% of South African households rely on their own knowledge or skills for financial advice.

Momentum branded image with a young man carrying his daughter in a piggyback while enjoying fun family time.

Households without financial advice have the lowest average household wealth.

Momentum branded image with a young man carrying his daughter in a piggyback while enjoying fun family time.

*Source: Momentum Financial Advice Research Report

Partner with a financial adviser

Many South Africans are making important financial decisions on their own, yet Momentum’s financial advice research report shows households who work with a professional financial adviser are better positioned to grow, protect and preserve their wealth.

From your first salary and buying your first home to growing your investments, protecting your family and planning for retirement, expert financial advice can help you make informed decisions at every stage.

Connect with a trusted Momentum-accredited financial adviser and discover the power of #AdviceForSuccess.

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Solutions to help build your financial dreams

Find affordable medical aid options for you or your family, starting from R645 per month.

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MEDICAL AID

Medical aid plans

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Secure your family’s future with affordable life cover and save up to 35% on your monthly premium.

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LIFE INSURANCE

Life cover

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Get flexible cover for your car and home and earn up to 30% cash back on your premiums yearly, even if you claim.

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SHORT-TERM INSURANCE

Car & home insurance

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Suitable investment solutions to meet your needs and build your wealth.

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INVESTMENTS

Local & offshore investing

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Save for retirement, a child's education and more with our savings plan options, and get rewarded for staying invested.

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SAVINGS

Long-term savings plans

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Protect your loved ones from legal and financial burdens upon death with Will-drafting and estate administration services.

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WILLS, TRUSTS & ESTATES

Estate planning

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Find affordable medical aid options for you or your family, starting from R645 per month.

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Medical aid

Medical aid plans

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Protect yourself from medical aid shortfalls and uncovered hospital costs from R282 per month.

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Medical Aid

Gap cover

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Join HealthReturns for free on any Momentum medical aid plan and earn up to R1 000 in HealthReturns monthly, for staying healthy.

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Rewards

HealthReturns

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Get flexible cover for your home and belongings and earn up to 30% cash back on your premiums yearly, even if you claim.

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SHORT-TERM INSURANCE

Home & Building insurance

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Get affordable car insurance and enjoy exclusive benefits, including free roadside, home, medical and legal assistance 24/7/365.

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SHORT-TERM INSURANCE

Car insurance

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Cover your business against unforeseen incidents, loss, or damage.

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Short-term insurance

Business insurance

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Join for free with your Momentum car and home insurance and earn up to 30% cash back on premiums yearly, even if you claim.

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Rewards

Safety Returns

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Secure your family’s future with affordable life cover and save up to 35% on your monthly premium.

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LIFE INSURANCE

Life cover

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Tailor your disability cover benefits to your needs with a lump sum payment, monthly payments or a combination of both.

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LIFE INSURANCE

Disability cover

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Guaranteed monthly income when you’re unable to work with income protection cover that helps you save monthly premiums.

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LIFE INSURANCE

Income protection cover

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Secure peace of mind with financial cover for in-and-out of hospital costs in the event of critical illness diagnosis.

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LIFE INSURANCE

Critical illness cover

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Get up to 35% off your monthly life insurance premium with LifeReturns quick in-App health screening.

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REWARDS

LifeReturns

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Offer guaranteed solutions to protect your retirement income against inflation, change in interest rates and more.

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INVESTMENTS

Guaranteed solutions

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Invest in your golden years with a range of retirement investment options and income solutions if you’re nearing retirement.

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INVESTMENTS

Retirement investing

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Benefit from our range of tax-free investment solutions to grow your funds.

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INVESTMENTS

Tax-free investing

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Diversify your investments with our market-leading offshore investment solutions to preserve and grow your wealth.

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INVESTMENTS

Offshore investing

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Save for retirement from only R500 a month with retirement annuities and long-term savings plans and reduce taxes on your saving.

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SAVINGS

Retirement savings plan

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Save for any long-term goal from R500 a month with 5-year savings plan options and get rewarded for staying invested.

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SAVINGS

Endowment savings plan

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Save for your child’s education from just R500 a month with education savings plans that reward you for staying invested.

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SAVINGS

Education savings plan

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Stay invested in a savings plan for 5 years and get rewarded with a bonus which pays back most of your administration fees.

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REWARDS

Loyalty bonus

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Secure your legacy with a complete solution combining Will drafting, estate protection, Trust and executor services.

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WILLS, TRUSTS & ESTATES

Momentum Estate Plan

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Draft an executable Will backed by an Estate Plan with safe storage and other Will-drafting services.

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WILLS, TRUSTS & ESTATES

Will-drafting

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Covers death-related costs, including admin fees at an affordable monthly premium.

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WILLS, TRUSTS & ESTATES

Estate cost cover

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Preserve your legacy for future generations with tailored succession planning solutions.

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WILLS, TRUSTS & ESTATES

Trust administration

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Get peace of mind with specialised services to correctly execute a Will and settle a deceased estate.

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WILLS, TRUSTS & ESTATES

Deceased estate administration

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Join HealthReturns for free on any Momentum medical aid plan and earn up to R1 000 in HealthReturns monthly, for staying healthy.

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REWARDS

HealthReturns

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Get up to 35% off your monthly life insurance premium with LifeReturns quick in-App health screening.

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REWARDS

LifeReturns

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Join for free with your Momentum car and home insurance and earn up to 30% cash back on premiums yearly, even if you claim.

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REWARDS

Safety Returns

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Stay invested in a savings plan for 5 years and get rewarded with a bonus which pays back most of your administration fees.

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REWARDS

Loyalty bonus

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In the spotlight

  • MOMENTUM TRADITIONAL

    No more post

    Momentum Traditional no longer sends correspondence via post. Contact us to switch to email or log in to momentum.co.za to view your policy updates.

    Learn more
  • #SHEOWNSHERSUCCESS 2026

    Her success has a number

    Missed Season 8 of the #SheOwnsHerSuccess Workshop? Catch the highlights and get tools, resources and advice to help you define, build and protect your number.

    Learn more
  • NATIONAL WILLS MONTH 2026

    Draft a Will that turns your success into a legacy

    What you’ve built deserves more than good intentions. Draft a Will backed by an Estate Plan to ensure what you’ve built lives on with purpose.

    Speak to a consultant
  • LIFE INSURANCE

    Protection for the life you’re building

    Get meaningful protection that balances affordability and financial security. Secure R5 million life cover and save on your monthly premium with LifeReturnsR.

    Get your online quote
  • Momentum Wealth

    Reimagining retirement

    Navigate the typical risks in retirement by protecting a portion of your retirement income for as long as you live with the Guaranteed Annuity Portfolio. Enjoy certainty and flexibility with 1 retirement income solution.

    Learn more
View all blogs

Market-leading insurance rewards

Since she moved to Momentum, Lerato doesn’t have to pay a monthly subscription to start earning rewards – they’re included in each product! Discover ways to spend and maximise your HealthReturns, Safety Returns and LifeReturns rewards.

Young family of 4 playing with a soccer ball in the park. They have medical aid with Momentum Medical Scheme.
  • Medical aid
  • Car & home insurance
  • Life insurance

Medical aid

Through Multiply, Lerato earns up to R1 000 in HealthReturns each month with her medical aid.

Learn more
A young lady named Lerato, smiling with one ear plug in her ear, dressed in gym attire, saving on her medical aid, car insurance and life cover with Momentum rewards programmes.

Car & home insurance

By joining Safety Returns, Lerato can earn up to 30% cashback on her car insurance premiums.

Learn more
A young lady named Lerato, smiling with one ear plug in her ear, dressed in gym attire, saving on her medical aid, car insurance and life cover with Momentum rewards programmes.

Life insurance

With LifeReturns Lerato can save up to 35% on her life insurance premiums each month.

Learn more
A young lady named Lerato, smiling with one ear plug in her ear, dressed in gym attire, saving on her medical aid, car insurance and life cover with Momentum rewards programmes.
Shopping trolley icon

2 million

products held by retail clients

Family icon

R6,5 billion

paid in life claims during 2023

Employee icon

16 000 +

Momentum Group total employees

House and building icon

1,6 million

members and more than 6 800 corporate clients

Client success stories

My partner and I looked for medical aid schemes that fit our needs. When I saw the Momentum movement, I had to explore the medical scheme! I love how flexible it is and how it fits our budget. Also, the cash backs? I live in the gym and travel a lot, so earning on travel, fitness, and groceries is a plus. The benefits - plus doctors in our pockets 24/7 make it so essential in these times.

Matilda Molepo

Thank you for the outstanding service over the past 8+ years. From handling claims to inquiries, to being so persistent about downloading the Momentum App. I’ve now downloaded it and registered for safety rewards. I appreciate that you always have my best interests at heart. I honestly can’t imagine any other provider offering a better experience. You go the extra mile!

Kyle Reeves

Thank you for taking the issue of my Investo contract to heart. Being a disabled person, this means the world to me. After speaking to so many others about the compliance issues, you listened to my frustrations with sincerity.

Jesmine Johnson

Latest awards



Momentum Medical Scheme.

Health

Health

Scheme of the Year award



Momentum Health Solutions & Momentum Multiply

BHF

Health

Best innovator in Healthcare



Voted most watched masterclass for Outlook Pensions 2023 on AssetTVSA.

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Investments

Asset TV Awards
2024

View all awards

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