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Ingwe Option

An entry-level medical aid option with hospital cover, Day-to-day and Chronic Benefits through a network of providers - great for first-time earners.

from

R455 per month

What does it cover?

The Ingwe Option provides affordable access to entry-level cover for hospitalisation with no overall annual limit. You can choose to have access to any hospital, the Ingwe Network of private hospitals or State hospitals for an even lower monthly contribution.

For chronic treatment and Day-to-day Benefits, such as GP visits or prescribed medicine, you may only consult Ingwe Primary Care Network providers or Ingwe Active Primary Care Network providers, depending on your provider choice.

Our Health Platform Benefit provides cover for a range of preventative care benefits available from your Ingwe Primary Care Network or Ingwe Active Primary Care Network provider.

Major Medical Benefit

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

Major Medical Benefits are available at Any, Ingwe Network or State hospitals.

Hospitalisation
  • Specialists are covered up to 100% of the Momentum Medical Scheme Rate. Hospital accounts are covered in full at the rate agreed upon with the hospital group.
  • No annual limit applies to maternity confinements.
  • Caesarean section: Only emergency caesareans are covered.
  • No annual limit applies to neonatal intensive care.
  • Organ transplant limited to Prescribed Minimum Benefits* at State facilities.
  • MRI and CT scans, magnetic resonance cholangiopancreatography, whole body radioisotope and PET scans limited to Prescribed Minimum Benefits* at State facilities.
  • Medical rehabilitation, and step-down facilities limited to R13 660 per beneficiary every year.
  • Seven days’ supply of take-home medication.
Specialised procedures/treatment
  • Certain specialised procedures/treatments are covered, when clinically appropriate, in and out of hospital.
*Prescribed Minimum Benefits (PMB) is a set of defined benefits to ensure that all medical scheme members have access to certain minimum health services, regardless of the benefit option they have selected. The aim is to provide members with continuous care to improve their health and well-being and to make healthcare more affordable. Learn more
Chronic Benefit

This benefit takes care of certain life-threatening conditions, such as diabetes and heart disease, that need ongoing treatment.

Chronic Benefits are available at Ingwe Primary Care Network or Ingwe Active Primary Care Network.

It covers 26 conditions under Prescribed Minimum Benefits* according to the Chronic Disease List.

*Prescribed Minimum Benefits (PMB) is a set of defined benefits to ensure that all medical scheme members have access to certain minimum health services, regardless of the benefit option they have selected. The aim is to provide members with continuous care to improve their health and well-being and to make healthcare more affordable. Learn more

Day-to-day Benefit

This benefit covers your everyday medical expenses, such as doctors' visits and prescribed medication.

Day-to-day Benefits are available at Ingwe Primary Care Network or Ingwe Active Primary Care Network providers.

Savings
There is no savings built into this option, but you can add on HealthSaver+.

General practitioners
You have unlimited GP visits. From the 11th visit onwards, you need pre-authorisation from the Scheme for it to be covered.

Eye care
You get 1 eye test, 1 pair of clear standard or bi-focal lenses with a standard frame, per beneficiary every 2 years.

Dentistry
You get 1 dentistry consultation per beneficiary every year, plus extractions, fillings and x-rays. Specialised dentistry such as braces is not covered by the Scheme.

Medicine
Prescribed medication is subject to a list of medicine referred to as the prescribed formulary.

Mental health
Limited to Prescribed Minimum Benefits* at State facilities.

Specialist visits
You get 2 visits per family every year, limited to R1 100 per visit and up to a maximum of R2 200 per family per year. Covered at 100% of the Momentum Medical Scheme Rate.

+ 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.

*Prescribed Minimum Benefits (PMB) is a set of defined benefits to ensure that all medical scheme members have access to certain minimum health services, regardless of the benefit option they have selected. The aim is to provide members with continuous care to improve their health and well-being and to make healthcare more affordable. Learn more

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.

The Health Platform Benefits are available at Ingwe Primary Care Network or Ingwe Active Primary Care Network providers.

Preventative care
Includes baby immunisations, flu vaccines, as well as tetanus diphtheria injections.

Early detection tests
Includes pap smears, dental consultations, general physical examinations, prostate specific antigens, health assessments, cholesterol tests, blood sugar tests and HIV tests.

Maternity programme
Women registered on our maternity programme get 4 antenatal visits which include a urine test and two growth scans, as well as a nurse home visit after returning home from hospital.

Health management programmes
For the management of diabetes, hypertension, HIV/Aids, oncology, drug and alcohol rehabilitation, chronic renal failure, organ transplants and cholesterol.

Health line
24-hour emergency health advice.

Emergency evacuation
Emergency evacuation in South Africa by Netcare 911.

MOMENTUM VALUE-ADDED BENEFITS

Convenient, innovative features, unique to Momentum

HealthSaver+

A savings account that works seamlessly with your medical aid. The HealthSaver+ account, which costs just R36 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+

Talk to a doctor, anytime, anywhere. This is a free service to all Momentum clients.





+ 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.

ADD-ON PRODUCTS

Seamlessly enhance your medical aid cover

Avoid worrying about unexpected medical shortfalls, co-payments, and keep you and your family covered when you're unable to pay your medical aid contributions.

GapCover+

Helps you avoid unexpected shortfalls for in-hospital expenses, not covered by your medical aid option.


from


R195 per month

HealthWaiver+

This pays for your medical aid contributions when you die or become critically ill, so your family will still have medical cover.

from


R268 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.

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MOMENTUM MULTIPLY+ REWARDS PROGRAMME

Enjoy cashbacks and discounts from a wide range of partners

Ingwe members qualify for Multiply+ Premier membership, which will reward you with cashbacks and discounts on Momentum products, at a range of partners and on the Multiply online shop.


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.

You may also want to consider

Custom Option

From R1 706 per month

Incentive Option

From R2 224 per month

Extender Option

From R5 231 per month

Summit Option

From R10 642 per month

Evolve Option

From R1 345 per month

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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