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Mother and father happily playing on the beach with their two children in the sand building a sandcastle, near the ocean.

Incentive Option

This option provides extensive hospital cover through a choice of providers, 10% Savings for day-to-day medical expenses, and additional Chronic Benefits.

  • Use Associated hospitals to save on your monthly contribution.
  • Our maternity programme includes comprehensive benefits to take care of you during your pregnancy.
  • If you need to save more than 10% of your contribution for day-to-day medical expenses, you can use HealthSaver+
from

R2 794 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 for any planned hospital admissions.

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 illness cover

To save on your contribution 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 selecting a list of Associated GPs for your chronic script and Medipost courier pharmacy for your chronic medication.

State facilities

You can use State facilities for your chronic script, medication and treatment to maximise your contribution savings.

Day-to-day Benefit

To save on your contribution, make use of the below:

Savings account

10% of your contribution goes to a dedicated Savings account to cover day-to-day expenses.

HealthSaver+

If you need more day-to-day cover, you can use you HealthSaver+ funds.


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

R4 970 R4 279 R3 471 R4 397 R3 932 R2 794
Monthly contribution
R4 522 R3 920 R3 166 R4 001 R3 602 R2 549
Total savings
R0 R553 R1 277 R479 R844 R1 797
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 Incentive
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

Provider
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 are covered from the In-hospital Benefit.
  • Co-payments may apply, depending on the procedure.
Maternity
No annual limit on maternity confinement and neonatal intensive care.
Oncology
Covered up to R400 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
R64 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 000 000 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 or treatments covered
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:
  • Benefits are available at any provider.
  • You can add HealthSaver+ to supplement your day-to-day benefits.

Savings

Medical Savings Account
  • 10% 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.
  • You can add HealthSaver+ to save even more for day-to-day medical expenses.

Benefit

General practitioners
Subject to Savings. If no Savings available, paid out-of-pocket or from HealthSaver+ if applicable.
Eye care
Subject to Savings. If no Savings available, paid out-of-pocket or from HealthSaver+ if applicable.
Dentistry – specialised
  • 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 subject to Savings. If no Savings available, paid out-of-pocket or from HealthSaver+ if applicable.
Medicine
Subject to Savings. If no Savings available, paid out-of-pocket or from HealthSaver+ if applicable.
Mental health
Subject to Savings. If no Savings available, paid out-of-pocket or from HealthSaver+ if applicable.
Specialist visits
Subject to Savings. If no Savings available, paid out-of-pocket or from HealthSaver+ if applicable.
+ 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 consultation 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 Incentive 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 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.
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