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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

R439 per month

Get an online quote Compare options

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 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 Momentum Health 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 130 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 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 basic dentistry consultation per beneficiary every year (extractions, fillings and x-rays only). 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 050 per visit and up to a maximum of R2 100 per family per year. Covered at 100% of the Momentum Health Rate.

*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 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.

Health management programme
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.

Hello Doctor

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

Want to know more?

For more information relating to this option, download the relevant document below.

Ingwe Option brochure

Ingwe Network hospitals

Ingwe Primary Care Network

Ingwe Active Primary Care Network

Pharmacy Network List

Optometry Network

Ingwe and Ingwe Active Dental Network

Extra Feature

Convenient and innovative feature unique to Momentum

Take advantage of this extra feature at no additional cost.

HealthSaver⁺

A savings account that works seamlessly with your medical aid. With no transaction or admin fees, it lets you save for additional day-to-day medical expenses, such as co-payments, refractive eye surgery, vitamins and more.

Learn more

⁺ 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.

ADD-ON MEDICAL AID COVER

Seamlessly enhance your medical aid cover

Avoid worrying about unexpected medical shortfalls and 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

R190 per month

Learn more

HealthWaiver⁺

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

from

R264 per month

Learn more

⁺ 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.

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Momentum Multiply rewards and discounts

Enjoy discounts from a wide range of partners

Ingwe members qualify for Multiply Premier membership, which will reward you with discounts and cashbacks from various partners, as well as on Momentum products.

Learn more