Site url: https://www.momentum.co.za/momentum/personal/products/medical-aid/extender-option
Pagecontext: org.apache.jasper.runtime.PageContextImpl@13287c52
NameValue
param.sharing.scope.{http://www.ibm.com/xmlns/prod/datatype/content}ibm.portal.sharing.scope.page
param.sharing.scope.{http://www.ibm.com/xmlns/prod/websphere/portal/v8.0/portal-contextual-portal}ibm.portal.sharing.scope.page
param.sharing.scope.{http://www.ibm.com/xmlns/prod/datatype/content/resource-collections}ibm.portal.sharing.scope.page
wcm.template.oidZ6_48GC1K80O0FH90QS83FHN530K6
flush.cache?01102021
param.sharing.scope.{http://www.ibm.com/xmlns/prod/websphere/portal/publicparams}path-infoibm.portal.sharing.scope.page
breadcrumb.enabledtrue
hero.imagehttps://retail.momentum.co.za/images/stock/man-passanger-rear-car-seated.jpg
param.template.pageZ6_48GC1K80O0FH90QS83FHN530K6
page.keywordsAffordable medical aid, Medical aid plans, Medical aid quotes, Medical aid South Africa, Medical aid, Student medical aid, Healthcare, Medical scheme, Cheap medical aid, momentum medical aid
param.sharing.scope.{http://www.ibm.com/xmlns/prod/websphere/portal/v7.0/portal-contextual-portal}ibm.portal.sharing.scope.page
hide.childrentrue
dynamic.sitemaptrue
param.sharing.scope.{http://ibm.connections.com/portlet}ibm.portal.sharing.scope.page
label.namepersonal
sitecontext:personal
ibm.template.oidZ6_48GC1K80O0FH90QS83FHN530K6
webchat.activetrue
menu.dividertrue
menu
Happy mom and dad riding bicycles outdoors with their two children riding their bicycles ahead of their mother and father.

Extender Option

Includes hospital cover from a choice of providers, as well as a built-in 25% medical savings account for Day-to-day Benefits, and Extended Cover benefits once you reach the Threshold amount. There are also additional Chronic Benefits.

  • Includes a range of benefits, such as preventative screening tests and specific check-ups.
  • Use the voluntary HealthSaver+ for additional day-to-day expenses.
  • Our maternity programme includes comprehensive benefits to take care of you during your pregnancy.
from

R6 589 per month

In-hospital Benefit

You can choose to have access to any hospital in South Africa or choose to save on your contribution (Provider Choice) by electing to use a specific list of private hospitals.

Any private hospital

These are any private hospitals within South Africa.

Associated hospitals

Save on your monthly contributions by using a specific network of private hospitals.

Chronic treatment

To save on your contributions, you have the option to choose between:

Any provider

You can access any GP for your chronic scripts and any pharmacy for your chronic medication.

Associated providers

Save on your monthly contribution by choosing from our list of Associated GPs for your chronic script and Medipost courier pharmacy for your chronic medication.

State facilities

You can choose to use State facilities for your chronic script, medication and treatment to obtain the maximum contribution saving.

Day-to-day Benefit

Savings account

25% of your contribution goes to a built-in savings account to cover day-to-day expenses.

HealthSaver+

If you need more day-to-day cover, you can make use of the HealthSaver+.

Free health screening cover

Health Platform Benefit

Provides cover for a range of benefits, such as preventative screening tests, certain check-ups, and more.

PROVIDER CHOICE

See how much you can save

Calculate how much you can save as a single member.

Medical aid contribution savings

This is how much you can save on the Custom Option as a single member.

1. Select hospital provider

Your choice for planned procedures. In the event of an emergency, you can go to any hospital, regardless of your hospital choice.


2. Select chronic provider

Chronic medication is the treatment for certain life-threatening conditions that need ongoing treatment.



Savings

Monthly contribution

R9 456 R8 365 R7 485 R8 315 R7 537 R6 589
Monthly contribution
R8 605 R7 664 R6 827 R7 567 R6 905 R6 009
Total savings
R0 R941 R1 778 R1 038 R1 700 R2 596
The actual amount you save depends on your medical aid option, the number of dependants on Momentum Medical Scheme, as well as your choice of providers.

What does the Extender
Option cover?

In-hospital 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 hospital, or out-patient facility.

Hospital choice

Providers
Available at Any or Associated hospitals.

Hospitalisation

Benefit
  • Associated specialists are covered in full. Other specialists are covered up to 200% of the Momentum Medical Scheme Rate.
  • Hospital accounts are covered in full at the rate agreed upon with the hospital group.
High and intensive care
No annual limit.
Specialised dentistry
  • Certain in-hospital dental and oral benefits covered from Major Medical Benefit.
  • Co-payments may apply, depending on the procedure.
Maternity
No annual limit on maternity confinement and neonatal intensive care.
Oncology
  • Covered up to R500 000 per beneficiary per year, thereafter a 20% co-payment applies.
  • Momentum Medical Scheme reference pricing applies to chemotherapy and adjuvant medication.
Organ transplant
No annual limit.
MRI and CT scans, magnetic resonance cholangiopancreatography, whole body radioisotope and PET scans
  • No annual limit.
  • You need to pay a co-payment of R2 770 per scan.
Medical rehabilitation, private nursing, Hospice, and step-down facilities
R68 000 per family.
Trauma benefit
Certain day-to-day claims that form part of your recovery following specific traumatic events.
Health management programmes for conditions such as mental health, HIV/Aids, and oncology
Your doctor needs to register you on the appropriate health management programme.

Immune deficiency related to HIV
  • Anti-retroviral treatment: No annual limit applies at a preferred provider.
  • HIV-related hospital admissions: R87 900 per family at your chosen hospital provider.

Emergency medical transport in South Africa by Netcare 911
No annual limit applies.

International emergency medical transport by preferred provider
R8 220 000 per beneficiary per 90-day journey. This benefit includes R15 500 for emergency optometry, R15 500 for emergency dentistry and R765 000 terrorism cover. A R2 070 co-payment applies per emergency out-patient claim.

Take-home medication
7 days' supply.

Specialised procedures/treatment

Certain specialised procedures/treatments
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.

Chronic Benefit

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

Network provider

Available from:
Any, Associated, or State providers.

Benefit

Cover
*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.

Day-to-day Benefit

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

Network provider

Available from:
Any or Associated GPs , depending on your chronic provider choice.

Savings

Savings account
  • 25% of your contribution goes to a built-in Savings account, to cover your day-to-day expenses.
  • Your Savings account is credited in advance for the year and any unused Savings balance at the end of the year will be carried forward to the following benefit year.
  • If the Savings are not enough to cover annual day-to-day expenses, you will have a self-funding gap to pay out-of-pocket, up to the Threshold of R30 400 (principal member), R26 400 (adult dependant), R8 700 (per child, maximum 3 children).
  • Although claims add up to the Threshold at 100% of the Momentum Medical Scheme Rate, you may claim a higher amount from Savings if the provider charges more than the Momentum Medical Scheme Rate. This will result in a bigger self-funding gap. You can use HealthSaver+ to fund your self-funding gap.
  • Once the Threshold has been reached, claims will be paid from Extended Cover at the Momentum Medical Scheme Rate, subject to certain sub-limits. These day-to-day limits accumulate before and after the Threshold.

Benefit

General practitioners
  • If you choose Any or State as your chronic provider, we cover 100% of the Momentum Medical Scheme Rate.
  • If you choose Associated provider for your chronic needs, we cover 100% of the Momentum Medical Scheme Rate for Associated GPs and 70% for non-Associated GPs.
Eye care
  • You are covered up to R5 030, subject to Savings or Extended Cover, to use on eye care per beneficiary.
  • The maximum amount you can spend on a frame is R2 740.
Dentistry - specialised
  • There is no limit for basic dentistry; covered at 100% of the Momentum Medical Scheme Rate from your available Day-to-day Benefits.
  • Dental specialist accounts for extraction of impacted wisdom teeth in doctors’ rooms covered from Major Medical Benefit at 100% of the Momentum Medical Scheme Rate. You need to pay a R1 670 co-payment.
  • Other specialised dentistry is paid from available Day-to-day Benefits, limited to R16 400 per beneficiary and R42 600 per family per year.
  • Both in- and out-of-hospital dental specialist accounts accumulate towards the day-to-day limit.
Medicine
  • You are covered up to R21 100 per beneficiary, to use on prescribed medication, subject to Savings or Extended Cover.
  • The maximum amount you can spend on prescribed medication is R40 000 per family.
  • Over-the-counter medication is paid from Savings or HealthSaver+, if applicable.
Mental health
You are covered up to R23 900 per family per year, subject to Savings or Extended Cover.
Specialist visits
No limit applies to specialist visits. We cover you at 100% of the Momentum Medical Scheme Rate, subject to Savings or Extended Cover.
+ 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.

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.

Network provider

Available from:
Any or Associated providers, depending on your Provider Choice.

Benefit

Preventative care includes:
  • baby immunisations covered up to the age of 6,
  • flu vaccines,
  • pneumococcal vaccines, and
  • tetanus-diphtheria injections.
Early detection tests include:
  • mammograms,
  • bone density scans,
  • pap smears,
  • dental consultations,
  • general physical examinations,
  • prostate specific antigens,
  • health assessments,
  • cholesterol tests,
  • blood sugar tests, and
  • HIV tests.
Maternity programme
12 antenatal visits which include:
  • a urine test,
  • 2 pregnancy scans,
  • certain antenatal pathology tests,
  • 2 doula visits,
  • 2 paediatrician visits in baby’s first year,
  • online antenatal and postnatal classes,
  • online video consultations with a lactation specialist, and
  • 3 nurse home visits; first visit after returning from the hospital, as well as 2 and 6 weeks later.

This is only a summary of our benefits. Read the Extender Option brochure for more details. Momentum Medical Scheme rules apply.

Compare medical aid options

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.

MOMENTUM VALUE-ADDED BENEFITS

Convenient, innovative features, unique to Momentum

HealthReturns+

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.

Free

HealthSaver+

A voluntary savings account that works seamlessly with your medical aid. It pays for treatments and procedures not covered by
your option.

R40 per year

Hello Doctor+

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


Free

GapCover+

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


from R236 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 PROGRAMME

Enjoy exclusive rewards

Multiply encourages and rewards members for making healthier choices! Multiply Inspire is available to you for free. You can upgrade to Multiply Inspire Plus and earn up to R1 500 per beneficiary per month in HealthReturns.

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.

Contact Momentum Medical Scheme

Client service, claims and authorisations



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



Business hours are Monday to Friday from 08:00 to 17:00. Saturday and public holidays from 08:00 to 16:00. Closed on Sundays.

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.

We and our selected partners use cookies to enhance and personalise your experience on our website.Please see our cookie policy for more information.

To enhance your user experience on our site, learn more about our supported browsers

Your browser's cookies are disabled. Enable cookies to ensure our website functions correctly. View our Privacy Notice.

Tell us more!

We're always looking for ways to improve your online experience. Please take a moment to complete the
2-minute questionnaire.