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A young female and male holding smoothies chatting about the Ingwe Option from Momentum Medical Scheme that's suitable for first time earners and students.

Ingwe Option

Get affordable medical aid cover with the Ingwe Option. It’s great if you’re a first-time earner or a student needing affordable medical aid cover in South Africa. Even though it’s an entry-level medical aid plan, you get hospital and day-to-day cover and chronic illness benefits when you use the network providers.

  • Affordable access to entry-level cover.
  • Hospitalisation cover from Any hospital, the Ingwe Network of private or State hospitals.
  • Your contribution is based on your income and family composition.
from

R541 per month

Get an online quote Call me for a quote

Choose hospital cover from these providers

The Ingwe Option provides affordable access to entry-level cover for hospitalisation with no overall annual limit. You can save on your contribution depending on your choice of provider:

Any private hospital

These are any private hospitals within
South Africa.

Ingwe Network of hospitals

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

State hospitals

These are public hospitals that the Department of Health administers.

Chronic, Day-to-day and Health Platform Benefits

For chronic treatment and Day-to-day Benefits, such as GP visits or prescribed medicine, you need to use:

Ingwe Primary Care Network

If you choose Ingwe Network or State hospitals, your provider for Chronic and Day-to-day Benefits is
Ingwe Primary Care Network

Ingwe Active Network

If you choose Any private hospitals, your Chronic and Day-to-day Benefits provider is Ingwe Active Network .

What does the Ingwe
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
Any private hospital, Ingwe Network of hospitals or State hospitals (public facilities).

Hospitalisation

Benefit
  • Hospital accounts are covered in full at the rate agreed upon with the hospital group.
  • Accounts for specialists are covered up to 100% of the Momentum Medical Scheme Rate.
Maternity confinements
No annual limit applies.
Caesarean section
Emergency caesareans are covered.
Neonatal intensive care
No annual limit applies.
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 R15 900 per beneficiary every year.
Health management programmes for conditions such as HIV/Aids
Your doctor needs to register you on the appropriate health management programme.
Immune deficiency related to HIV
  • Anti-retroviral treatment: R38 500 per family at preferred provider.
  • HIV-related hospital admissions: R39 000 per family at your chosen hospital provider.
Emergency medical transport in South Africa by Netcare 911
No annual limit applies.
Take-home medication
7 days’ supply.
*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.

Specialised procedures/treatment

Certain specialised procedures/treatments covered
Certain specialised procedures or treatments covered when clinically appropriate in- and out-of-hospital.

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:
Only available from Ingwe Primary Care Network or Ingwe Active Network providers.

Benefit

Cover
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.

Day-to-day Benefit
This benefit covers your everyday medical expenses, such as doctors' visits and prescribed medication.

Network provider

Available from:
Ingwe Primary Care Network or Ingwe Active Network providers.

Savings

Savings Account
  • No built-in savings.
  • You can add HealthSaver+to supplement your day-to-day benefits.

Benefit

General practitioners
Eye care
  • 1 standard eye test.
  • 1 pair of clear standard or bi-focal lenses with a standard frame.
  • Benefits available per beneficiary every 2 years.
Dentistry
  • 1 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
  • 2 visits per family every year.
  • Limited to R1 290 per visit and up to a maximum of R2 580 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.

Health Platform Benefit
A unique benefit that encourages health awareness, enhances the quality of life and gives peace of mind through preventative care and early detection tests.

Network provider

Available from:
Only available from Ingwe Primary Care Network or Ingwe Active Network providers, except for health assessments, maternity programme benefits, and baby immunisations.

Benefit

Preventative care includes:
  • baby immunisations covered in private facilities for baby’s 1st year up to R2 800,
  • flu vaccines,
  • tetanus-diphtheria injections, and more.
Early detection tests include:
  • pap smears,
  • dental consultations,
  • general physical examinations,
  • prostate specific antigens,
  • health assessments,
  • cholesterol tests,
  • blood sugar tests,
  • HIV tests, and other tests.
Maternity programme
7 antenatal visits which include:
  • a urine test,
  • certain antenatal pathology tests,
  • 1 paediatrician visit in baby's first year,
  • 2 pregnancy scans, and
  • a nurse home visit after returning home from the hospital.

This is only a summary of our benefits. Read the Ingwe 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.

Compare options

MOMENTUM VALUE-ADDED BENEFITS

Convenient, innovative features, unique to Momentum

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

Learn more

Hello Doctor+

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


Free

Learn more

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

Learn more

+ 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.

Please note that Momentum Medical Scheme’s 2024 benefits and contributions amendments, including registration of the new Fusion Option, have been submitted to the Council for Medical Schemes (CMS). The 2024 benefit and contributions amendments await approval by the Registrar and are therefore subject to such approval. The Scheme is in discussion with CMS regarding registration of the new Fusion Option and awaits a final decision from the Registrar.

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! You get free access to Multiply Engage. For multiplied benefits and rewards, you can upgrade to Multiply Engage Plus.

Learn more

Want a quote?

You'll get a quote reflecting the medical aid contribution at the end of the process.

Get an online quote

Need advice?

An accredited healthcare consultant will call you to discuss our medical aid options and benefits.

Request a call back

Contact Momentum Medical Scheme

Client service, claims and authorisations

0860 117 859

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

+27 31 573 4008

[email protected]

[email protected]
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

082 911

Available 24 hours a day, 7 days a week, 365 days a year.

For international emergencies


+27 11 541 1263

Available 24 hours a day, 7 days a week, 365 days a year.

Momentum Medical Scheme Ethics and Fraud line

0800 000 438

[email protected]

Available 24 hours a day, 7 days a week, 365 days a year.
Other Momentum contacts

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