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A healthy family of 4 playing outside under trees in the sunshine knowing their healthcare needs are covered by a leading and affordable medical aid.

Affordable medical aid

Finding the right healthcare cover shouldn't be a pain in the neck. As one of the most trusted medical aid schemes in South Africa, we can help you find the best medical aid option to suit your individual or family needs, with industry-leading benefits.

  • Save up to R1 000 when you use Associated providers.
  • Earn up to R3 000 a month in rewards+.
  • View all our medical aid options to find the right plan.

Momentum Medical Aid Options

With Momentum Medical Scheme, you have access to a wide range of medical aid options and industry-leading benefits. Whether you’re a student looking for the most affordable medical aid, a young professional, or a breadwinner who needs extensive cover for your whole family in South Africa, we’ve got you covered.

Momentum Medical Aid Plans

Cover that’s value for money and meets your needs

Momentum Medical Scheme provides a complete range of medical aid plans, from affordable entry-level cover to fully comprehensive medical aid cover in South Africa.

Take a look at our options below to find the best medical aid option to match your budget and your needs and get an online quote in 4 easy steps.

Evolve Option

Get cover for hospitalisation from the Evolve Network of private hospitals with no overall annual limit. You have access to 2 virtual doctor’s consultations and any additional day-to-day benefits are subject to HealthSaver+.

from R1 345* per month

Custom Option

Get comprehensive hospital and chronic cover from Any or Associated providers. You can choose to have access to treatment at any hospital or to receive a discount on your contribution by electing to use a specific list of private hospitals.

from R1 706* per month

Incentive Option

Get extensive hospital and chronic cover from Any or Associated providers. 10% of your contribution goes to a dedicated medical savings account to cover your day-to-day expenses.

from R2 224* per month

Extender Option

Get extensive hospital cover and additional chronic cover from Any or Associated providers. 25% of your contribution goes to a dedicated medical savings account to cover your day-to-day expenses.

from R5 231* per month

Summit Option

Get unlimited private hospital cover from Any provider. Chronic cover available for an additional 36 conditions at Any provider. Day-to-day benefits are covered up to R28 000 per beneficiary per year.

from R10 642* per month

Ingwe Option

Get affordable and accessible entry-level medical cover. Choose to get treatment from Any hospital, the Ingwe Network of private hospitals, or State hospitals.

from R455* per month

*Your contributions from 1 January to 31 August 2022 remain unchanged. Only from 1 September 2022, will your contributions increase.
Read more about why your contributions remain unchanged.

Compare medical aid
prices and get a
quote online

Compare the cover and benefits of 2 or more Momentum Medical Scheme options side-by-side to find the most affordable option to suit your needs, then get an online medical aid quote, or call us on 0861 111 818 to discuss your medical aid and healthcare cover needs.

Compare options

Included medical aid benefits

Every Momentum Medical Scheme member can enjoy a variety of benefits that include, preventative care, hospitalisation, Day-to-day Benefits, access to chronic medication, and 24/7 medical advice at no extra cost.

Major Medical Benefit

This benefit covers hospitalisation as well as some out-of-hospital procedures that can be performed in a doctor's room, day hospital, or out-patient facility.

Health Platform Benefit

A unique benefit that encourages health awareness, enhances quality of life and gives peace of mind through preventative care and early detection tests.

Day-to-day Benefit

For everyday medical expenses. The Day-to-day Benefit covers routine medical costs like doctors' visits and prescribed medication.

Chronic Benefit

Ensures you're covered for certain life-threatening conditions , such as diabetes and heart disease, that need ongoing treatment.

A content little boy sitting on his mother’s lap gets his chest examined by a young male doctor using a stethoscope.


Take charge of your medical cover and costs with Provider Choice

Custom, Incentive, and Extender Options give you the flexibility to choose your healthcare providers – hospitals, doctors, and pharmacies. You can choose to make use of Any, Associated, or State providers.

Save up to R1 000 on your monthly contributions when you choose to use Momentum Medical Scheme’s Associated providers.


Convenient, innovative features, unique to Momentum


An incentive programme that rewards you for taking ownership of your health. We aim to help you stay informed about your health status and reward you for staying healthy.


A medical savings account that works seamlessly with your medical aid. The HealthSaver+ account, which costs just R40 a year to administer, is the most convenient way to pay for treatments and procedures not covered by your option, such as day-to-day medical expenses, co-payments, refractive eye surgery, vitamins, and more.

Hello Doctor+

Get free expert health advice from qualified South African medical doctors through your phone, tablet or computer, 24/7/365.


Gap cover helps you avoid unexpected shortfalls for in-hospital expenses, that are not covered by your medical aid option.


R203 per month

+ You may choose to make use of additional products available from Momentum Metropolitan Holdings Limited (Momentum), to seamlessly enhance your medical aid. Momentum is not a medical scheme and is a separate entity to Momentum Medical Scheme. The complementary products are not medical scheme benefits. You may be a member of Momentum Medical Scheme without taking any of the complementary products.

Young fit couple in gym gear sitting on the street, smiling, and looking at the young man’s fitness watch that’s tracking health activity for Momentum Multiply points.

Momentum Multiply rewards and discounts

Healthy lifestyle rewards

Momentum Multiply is a rewards programme that guides, motivates and rewards you for taking everyday steps to live a better and happier life on your journey to success. Momentum Medical Scheme members get immediate access to benefits and rewards at a range of partners on the Multiply online shop with Multiply Starter.

More about medical aid

Learn how to get the best out of your medical aid in South Africa.

How to make the most
of your benefits

How to submit
a claim

How to get

Frequently asked

Download the
Momentum App

About Momentum
Medical Scheme

All you need to know about COVID-19 vaccine

All you need to know about
covid test

Want a quote?

You'll get a quote reflecting the medical aid contribution at the end of the process.

Need advice?

An accredited healthcare consultant will call you to discuss our medical aid options and benefits.

Three colleagues, two men and a woman, smiling and talking while they sit in the canteen and enjoy their lunch together.


Employee wellness and medical aid

Healthy employees are the lifeblood of a healthy business. With Momentum Medical Scheme, your employees can save more than R1 000 in medical aid contributions, and earn up to R3 000 in HealthReturns per month.

A man sitting in the middle of his two colleagues at a table, smiles broadly.


Employee occupational health and wellbeing

Partner with Momentum Wellness and get integrated workplace health and wellness solutions to help enhance your employees’ financial and physical well-being, as well as boost productivity.

Contact Momentum Medical Scheme

For local emergencies

Available 24 hours a day, 7 days a week, 365 days a year.

For international emergencies

Available 24 hours a day, 7 days a week, 365 days a year.

Momentum Medical Scheme Ethics and Fraud line

Available 24 hours a day, 7 days a week, 365 days a year.

Client service, claims and authorisations

Click here to contact us via WhatsApp.
Join an online help session.

Business hours are Monday to Friday from 07:30 to 17:00. Saturdays from 08:00 to 12:00. Closed on Sundays and public holidays.

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