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A cost-effective solution that makes sure the ones you love have continued medical cover in the event of your death, functional impairment, or critical illness.


R258 per month

What is HealthWaiver?

Most of us are on medical aid because we want to be able to afford the best possible medical care for our families. What would happen if and when we are no longer able to pay our medical aid contribution? HealthWaiver+ ensures continued medical cover for you and your family when you may not be able to do so.

+ You can choose to make use of additional products available from Momentum, part of Momentum Metropolitan Life Limited, to seamlessly enhance your medical aid. Momentum is not a medical scheme, and is a separate entity to Momentum Medical Scheme. These voluntary complementary products range from a world-class lifestyle rewards programme, Multiply, to the innovative HealthReturns solution. These complementary products are not medical scheme benefits. You can be a member of Momentum Medical Scheme without taking any of the complementary products that Momentum offers.

What are the benefits of having HealthWaiver?

In the unfortunate event of death, functional impairment or critical illness of the medical aid principal member and/or spouse, HealthWaiver will pay the member's medical aid contribution and Momentum Multiply contribution (if applicable), plus an additional 20% of the contribution for either a 5 or 10-year period depending on the benefit period selected.

Any leftover funds from the additional 20% can be paid into the HealthSaver account to help provide for Day-to-day Benefits.

A young couple sitting on a bench looking down at a lake with mountains in the distance.

Who is eligible for HealthWaiver?

You must be a principal member on Momentum Medical Scheme to take HealthWaiver.

How much will it cost?

HealthWaiver premiums are calculated according to your age, smoking status, choice of option and benefit period. Premiums are recalculated every year on the 1st of January to take into account any increase in the monthly medical aid contribution and your age. Multiply Premier members qualify for the following discounts:

Private Club

Non-smoker declaration

Clients who are covered under a HealthWaiver policy and who previously smoked can submit the Non-smoker declaration to

Any premium change will only come into effect at the beginning of the following calendar year.

Want to know more?

For more information relating to HealthWaiver, download the brochure below.

Want a quote?

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

Need advice?

Discuss the benefits of having medical aid with a certified financial adviser.

You may also want to consider




Multiply rewards

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.

Client service, claims and authorisations

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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