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A young man at a café, interacting with a waitress and paying for his bill using his cell phone.

HealthSaver+

A savings account that works seamlessly with your medical aid regardless of which option you choose. You can save for additional day-to-day medical expenses, such as co-payments, refractive eye surgery, vitamins, and more. With a HealthSaver account you can also:

  • Pay your Momentum Medical Scheme contribution.
  • Fund your child’s education.
  • Buy a fitness device.
Administration fee of only
R40 per year

Benefits of having HealthSaver

HealthSaver is seamlessly integrated with Momentum Medical Scheme, which makes it the most convenient way to pay for medical treatments and procedures, not covered by your medical aid option.

Earn up to 10% interest with HealthSaver.

Earn up to 10% interest or pay 0% interest on credit

Earn interest on your positive HealthSaver balance, and pay as little as 0% interest on credit, based on your Healthy Heart Score and Active Dayz™ (or the result of your
fitness assessment).

Receive up to R3 000 in HealthReturns a month per family

Receive up to R3 000 in HealthReturns a month per family

You don’t have to pay money into your HealthSaver - it could simply be the savings account where you receive your HealthReturns+, an incentive programme that rewards you for taking ownership of
your health.

Access funds with the HealthSaver card.

Access funds with the HealthSaver card

Your shopping experience just got much faster with the HealthSaver card. You can use your card at a healthcare provider, pharmacy or even a vet in South Africa to access the funds in your HealthSaver+ account.

Table to calculate your Multiply discount depending on your Active Dayz and Health Heart Score.

How to calculate your interest

If you use the credit facility, we charge you interest of prime plus 6%. The interest rate that we charge will change if the prime interest rate changes. As the principal member, your Healthy Heart Score, and activity level can reduce the interest you pay on credit to 0%, or help you earn up to 10% interest on your Momentum HealthSaver balance.

What does HealthSaver pay for?

  • Services provided by a registered healthcare provider, provided they have a tariff code.
  • Medical claims that exceed available scheme benefits, such as specialised dentistry.
  • Treatment that is excluded by the scheme, such as cosmetic surgery.
  • Co-payments payable for hospitalisation, MRI and CT scans, specialised dentistry, or medication.
  • Fitness assessments at Multiply’s health professionals’ network. View the list of health professionals.
  • You can even use your positive HealthSaver funds to pay your medical aid contribution, boost your retirement, or pay for your child's education expenses.
  • Buy a fitness device on the Multiply online shop directly from your HealthSaver account, using HealthSaver, HealthReturns Booster and credit facility, if you have it.
  • Multiply affiliated gym fees – if you submit your bank statement or an invoice to us showing that you paid your gym fees (you need to have joined this gym via Multiply), we will manually reimburse you from your Momentum HealthSaver account. View the list of gymsyou can use.
  • Use the positive balance in your HealthSaver account to donate a GP visit to anyone in need by buying a NetcarePlus voucher online with your HealthSaver card, and the recipient can use the voucher to visit any NetcarePlus GP.

Accessing your HealthSaver funds

You can access your HealthSaver funds with the HealthSaver card. The card allows you to pay for purchases and services upfront from your available HealthSaver funds at the following providers and retailers:

  • Doctors, hospitals, and pharmacies.
  • Dentists and orthodontists.
  • Medical services, medical and dental laboratories.
  • Medical, dental, ophthalmic and hospital equipment and suppliers.
  • Orthopaedic goods, such as prosthetic devices.
  • Osteopaths, chiropractors, chiropodists, and podiatrists.
  • Optometrists, ophthalmologists, opticians, optical goods, and prescription glasses.
  • Nursing and personal care.
  • Ambulance services.
  • Hearing aid sales and supplies.
  • Veterinary services.

Three cheerful friends at the beach, laughing and smiling on a hot summers day.

How to activate HealthSaver

All Momentum Medical Scheme members automatically qualify for HealthSaver. Sign up for your HealthSaver account in real-time via the Momentum App or log into momentum.co.za. Next click on Health and then on the HealthSaver link.

A young man is holding his HealthSaver card in one hand and pointing with his other hand to the card while smiling as he know he can use his funds in his HealthSaver account to pay for things.

HealthSaver card

Don’t yet have a HealthSaver Card? Request yours now:
Call us: 0860 117 859
Email us: [email protected]

Want to know more?

For more information, view the HealthSaver brochure and navigate to the relevant section.

  • Adding funds to your HealthSaver account.
  • Applying for credit.
  • How to claim from HealthSaver.
  • Payment of Scheme contributions.
  • Funding your child’s education expenses.


+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.

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



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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.

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