Best for: Lower-income earners wanting affordable entry-level cover. Contribution is income-banded (R645–R4,546/month depending on income and network choice).
Hospitals
Connect Network (State hospital-linked network)
Day-to-day
None (optional HealthSaver+ addon available)
Chronic meds
26 CDL conditions, no annual limit. State formulary via State facilities.
Hospital cover
Hospitalisation at State hospitals only via the Connect Network arrangement; no overall annual limit; 30% co-payment on hospital account if network not used (Connect/Ingwe Network variants only); specialists covered at 100% of Momentum Medical Scheme Rate. Contribution is income-banded (R645–R4,546/month depending on income) — premium shown is the typical working-income band.
Maternity
No overall annual limit on confinement/neonatal ICU (emergency C-sections only). Day-to-day maternity programme available (health assessments, baby immunisations, maternity programme via any provider).
Dental
1 basic dental consultation/year (exams, fillings, x-rays per formulary); R125 co-payment. No specialised dentistry.
Optical
1 eye test + 1 pair of standard lenses every 2 years per beneficiary (refraction > 0.5 required).
Mental health
Limited to Prescribed Minimum Benefits (PMB) at State facilities, in- and out-of-hospital.
Gap cover
Yes — income-based contributions; specialist and day-to-day cover has real sub-limits
Family pricing
Adult dependant R1 252 · Child R328
Note
Income-based: rates shown are for household income R1,551–R9,400/month. Child rates apply under 21. Every child is charged.
Best for: Lower-income earners wanting affordable entry-level cover. Contribution is income-banded (R645–R4,546/month depending on income and network choice).
Hospitals
Ingwe Network (private hospital list)
Day-to-day
None (optional HealthSaver+ addon available)
Chronic meds
26 CDL conditions, no annual limit. Fixed formulary via Ingwe Primary Care Network, chronic medication via Medipost courier.
Hospital cover
Hospitalisation at Ingwe Network of private hospitals; no overall annual limit; 30% co-payment on hospital account if network not used (Connect/Ingwe Network variants only); specialists covered at 100% of Momentum Medical Scheme Rate. Contribution is income-banded (R645–R4,546/month depending on income) — premium shown is the typical working-income band.
Maternity
No overall annual limit on confinement/neonatal ICU (emergency C-sections only). Day-to-day maternity programme available (health assessments, baby immunisations, maternity programme via any provider).
Dental
1 basic dental consultation/year (exams, fillings, x-rays per formulary); R125 co-payment. No specialised dentistry.
Optical
1 eye test + 1 pair of standard lenses every 2 years per beneficiary (refraction > 0.5 required).
Mental health
Limited to Prescribed Minimum Benefits (PMB) at State facilities, in- and out-of-hospital.
Gap cover
Yes — income-based contributions; specialist and day-to-day cover has real sub-limits
Family pricing
Adult dependant R1 425 · Child R652
Note
Income-based: rates shown are for household income R1,551–R9,400/month. Child rates apply under 21. Every child is charged.
Best for: Lower-income earners wanting affordable entry-level cover. Contribution is income-banded (R645–R4,546/month depending on income and network choice).
Hospitals
Any private hospital (chronic/day-to-day via Ingwe Active Network)
Day-to-day
None (optional HealthSaver+ addon available)
Chronic meds
26 CDL conditions, no annual limit. Fixed formulary via Ingwe Active Network, chronic medication via Medipost courier.
Hospital cover
Hospitalisation at any private hospital in South Africa; no overall annual limit; 30% co-payment on hospital account if network not used (Connect/Ingwe Network variants only); specialists covered at 100% of Momentum Medical Scheme Rate. Contribution is income-banded (R645–R4,546/month depending on income) — premium shown is the typical working-income band.
Maternity
No overall annual limit on confinement/neonatal ICU (emergency C-sections only). Day-to-day maternity programme available (health assessments, baby immunisations, maternity programme via any provider).
Dental
1 basic dental consultation/year (exams, fillings, x-rays per formulary); R125 co-payment. No specialised dentistry.
Optical
1 eye test + 1 pair of standard lenses every 2 years per beneficiary (refraction > 0.5 required).
Mental health
Limited to Prescribed Minimum Benefits (PMB) at State facilities, in- and out-of-hospital.
Gap cover
Yes — income-based contributions; specialist and day-to-day cover has real sub-limits
Family pricing
Adult dependant R1 852 · Child R735
Note
Income-based: rates shown are for household income R1,551–R9,400/month. Child rates apply under 21. Every child is charged.
26 CDL conditions only, no annual limit. Chosen chronic provider: State — State = State formulary (State facilities).
Hospital cover
Private hospital cover at Associated hospital list; R2,000 co-payment per authorisation applies (except MVA, maternity, emergencies); no overall annual limit.
Maternity
No annual limit on confinement/neonatal ICU. Day-to-day maternity programme: 7 antenatal visits, 1 lactation consult, 1 nurse home visit, 2 pregnancy scans.
Dental
Day-to-day dentistry subject to HealthSaver+ if available (no built-in day-to-day benefit). In-hospital: wisdom-teeth extraction (R3,600 day-hospital/R6,800 other co-payment), maxillo-facial for under-7s (R2,000 co-payment), trauma dentistry covered at 100% MSR.
Optical
Subject to HealthSaver+ if available (no built-in optical benefit).
Mental health
R47,300 per beneficiary for in-hospital mental health (combined psychiatry/psychology/rehab); day-to-day subject to HealthSaver+ if available.
Gap cover
Yes — R2,000 co-payment per authorisation applies
Family pricing
Adult dependant R1 956 · Child R916
Note
Child rates apply under 21. You pay for a maximum of 3 children.
26 CDL conditions only, no annual limit. Chosen chronic provider: State — State = State formulary (State facilities).
Hospital cover
Private hospital cover at any private hospital; R2,000 co-payment per authorisation applies (except MVA, maternity, emergencies); no overall annual limit.
Maternity
No annual limit on confinement/neonatal ICU. Day-to-day maternity programme: 7 antenatal visits, 1 lactation consult, 1 nurse home visit, 2 pregnancy scans.
Dental
Day-to-day dentistry subject to HealthSaver+ if available (no built-in day-to-day benefit). In-hospital: wisdom-teeth extraction (R3,600 day-hospital/R6,800 other co-payment), maxillo-facial for under-7s (R2,000 co-payment), trauma dentistry covered at 100% MSR.
Optical
Subject to HealthSaver+ if available (no built-in optical benefit).
Mental health
R47,300 per beneficiary for in-hospital mental health (combined psychiatry/psychology/rehab); day-to-day subject to HealthSaver+ if available.
Gap cover
Yes — R2,000 co-payment per authorisation applies
Family pricing
Adult dependant R2 487 · Child R1 207
Note
Child rates apply under 21. You pay for a maximum of 3 children.
26 CDL conditions only, no annual limit. Chosen chronic provider: Associated — Associated = Core formulary (Associated GP + Medipost).
Hospital cover
Private hospital cover at Associated hospital list; R2,000 co-payment per authorisation applies (except MVA, maternity, emergencies); no overall annual limit.
Maternity
No annual limit on confinement/neonatal ICU. Day-to-day maternity programme: 7 antenatal visits, 1 lactation consult, 1 nurse home visit, 2 pregnancy scans.
Dental
Day-to-day dentistry subject to HealthSaver+ if available (no built-in day-to-day benefit). In-hospital: wisdom-teeth extraction (R3,600 day-hospital/R6,800 other co-payment), maxillo-facial for under-7s (R2,000 co-payment), trauma dentistry covered at 100% MSR.
Optical
Subject to HealthSaver+ if available (no built-in optical benefit).
Mental health
R47,300 per beneficiary for in-hospital mental health (combined psychiatry/psychology/rehab); day-to-day subject to HealthSaver+ if available.
Gap cover
Yes — R2,000 co-payment per authorisation applies
Family pricing
Adult dependant R2 586 · Child R1 178
Note
Child rates apply under 21. You pay for a maximum of 3 children.
26 CDL conditions only, no annual limit. Chosen chronic provider: Any — Any = Basic formulary (any GP/pharmacy).
Hospital cover
Private hospital cover at Associated hospital list; R2,000 co-payment per authorisation applies (except MVA, maternity, emergencies); no overall annual limit.
Maternity
No annual limit on confinement/neonatal ICU. Day-to-day maternity programme: 7 antenatal visits, 1 lactation consult, 1 nurse home visit, 2 pregnancy scans.
Dental
Day-to-day dentistry subject to HealthSaver+ if available (no built-in day-to-day benefit). In-hospital: wisdom-teeth extraction (R3,600 day-hospital/R6,800 other co-payment), maxillo-facial for under-7s (R2,000 co-payment), trauma dentistry covered at 100% MSR.
Optical
Subject to HealthSaver+ if available (no built-in optical benefit).
Mental health
R47,300 per beneficiary for in-hospital mental health (combined psychiatry/psychology/rehab); day-to-day subject to HealthSaver+ if available.
Gap cover
Yes — R2,000 co-payment per authorisation applies
Family pricing
Adult dependant R2 958 · Child R1 322
Note
Child rates apply under 21. You pay for a maximum of 3 children.
26 CDL conditions only, no annual limit. Chosen chronic provider: Associated — Associated = Core formulary (Associated GP + Medipost).
Hospital cover
Private hospital cover at any private hospital; R2,000 co-payment per authorisation applies (except MVA, maternity, emergencies); no overall annual limit.
Maternity
No annual limit on confinement/neonatal ICU. Day-to-day maternity programme: 7 antenatal visits, 1 lactation consult, 1 nurse home visit, 2 pregnancy scans.
Dental
Day-to-day dentistry subject to HealthSaver+ if available (no built-in day-to-day benefit). In-hospital: wisdom-teeth extraction (R3,600 day-hospital/R6,800 other co-payment), maxillo-facial for under-7s (R2,000 co-payment), trauma dentistry covered at 100% MSR.
Optical
Subject to HealthSaver+ if available (no built-in optical benefit).
Mental health
R47,300 per beneficiary for in-hospital mental health (combined psychiatry/psychology/rehab); day-to-day subject to HealthSaver+ if available.
Gap cover
Yes — R2,000 co-payment per authorisation applies
Family pricing
Adult dependant R3 089 · Child R1 437
Note
Child rates apply under 21. You pay for a maximum of 3 children.
Best for: Working professionals wanting a savings account for day-to-day plus strong hospital cover
Hospitals
Any private hospital
Day-to-day
Personal Medical Savings Account — 10% of total contribution per year, claims paid at cost with no sub-limits.
Chronic meds
32 conditions (26 CDL + 6 additional non-CDL, additional limited to R13,700/family/year). Chosen chronic provider: State — State = State formulary (State facilities).
Hospital cover
Private hospital cover at any private hospital; R2,000 co-payment per authorisation applies (except MVA, maternity, emergencies); no overall annual limit.
Maternity
No annual limit on confinement/neonatal ICU. Day-to-day maternity programme: 7 antenatal visits, 1 lactation consult, 1 nurse home visit, 2 pregnancy scans.
Dental
Day-to-day dentistry subject to Savings if available. In-hospital: wisdom teeth (R3,600/R6,800 co-payment), maxillo-facial under-7 (R1,820 co-payment), trauma at 200% MSR.
Optical
Subject to Savings (10% MSA) if available — no separate built-in optical rand-limit.
Mental health
R50,600 per beneficiary for in-hospital mental health; day-to-day subject to 10% Savings if available.
Gap cover
Optional — specialists covered to 200% MSR
Family pricing
Adult dependant R3 292 · Child R1 652
Note
Child rates apply under 21. You pay for a maximum of 3 children.
26 CDL conditions only, no annual limit. Chosen chronic provider: Any — Any = Basic formulary (any GP/pharmacy).
Hospital cover
Private hospital cover at any private hospital; R2,000 co-payment per authorisation applies (except MVA, maternity, emergencies); no overall annual limit.
Maternity
No annual limit on confinement/neonatal ICU. Day-to-day maternity programme: 7 antenatal visits, 1 lactation consult, 1 nurse home visit, 2 pregnancy scans.
Dental
Day-to-day dentistry subject to HealthSaver+ if available (no built-in day-to-day benefit). In-hospital: wisdom-teeth extraction (R3,600 day-hospital/R6,800 other co-payment), maxillo-facial for under-7s (R2,000 co-payment), trauma dentistry covered at 100% MSR.
Optical
Subject to HealthSaver+ if available (no built-in optical benefit).
Mental health
R47,300 per beneficiary for in-hospital mental health (combined psychiatry/psychology/rehab); day-to-day subject to HealthSaver+ if available.
Gap cover
Yes — R2,000 co-payment per authorisation applies
Family pricing
Adult dependant R3 589 · Child R1 596
Note
Child rates apply under 21. You pay for a maximum of 3 children.
Private hospital cover at any private hospital; R2,000 co-payment per authorisation applies (except MVA, maternity, emergencies); no overall annual limit.
Maternity
No annual limit on confinement/neonatal ICU. Day-to-day maternity programme: 7 antenatal visits, 1 lactation consult, 1 nurse home visit, 2 pregnancy scans.
Dental
Day-to-day dentistry subject to Savings if available. In-hospital: wisdom teeth (R3,600/R6,800 co-payment), maxillo-facial under-7 (R1,820 co-payment), trauma at 200% MSR.
Optical
Subject to Savings (10% MSA) if available — no separate built-in optical rand-limit.
Mental health
R50,600 per beneficiary for in-hospital mental health; day-to-day subject to 10% Savings if available.
Gap cover
Optional — specialists covered to 200% MSR
Family pricing
Adult dependant R4 128 · Child R2 023
Note
Child rates apply under 21. You pay for a maximum of 3 children.
Hospital + savingsHighest cover, full choice on Incentive
R6 030
per month, main member
Best for: Working professionals wanting a savings account for day-to-day plus strong hospital cover
Hospitals
Any private hospital
Day-to-day
Personal Medical Savings Account — 10% of total contribution per year, claims paid at cost with no sub-limits.
Chronic meds
32 conditions (26 CDL + 6 additional non-CDL, additional limited to R13,700/family/year). Chosen chronic provider: Any — Any = Standard formulary (any GP/pharmacy).
Hospital cover
Private hospital cover at any private hospital; R2,000 co-payment per authorisation applies (except MVA, maternity, emergencies); no overall annual limit.
Maternity
No annual limit on confinement/neonatal ICU. Day-to-day maternity programme: 7 antenatal visits, 1 lactation consult, 1 nurse home visit, 2 pregnancy scans.
Dental
Day-to-day dentistry subject to Savings if available. In-hospital: wisdom teeth (R3,600/R6,800 co-payment), maxillo-facial under-7 (R1,820 co-payment), trauma at 200% MSR.
Optical
Subject to Savings (10% MSA) if available — no separate built-in optical rand-limit.
Mental health
R50,600 per beneficiary for in-hospital mental health; day-to-day subject to 10% Savings if available.
Gap cover
Optional — specialists covered to 200% MSR
Family pricing
Adult dependant R4 900 · Child R2 351
Note
Child rates apply under 21. You pay for a maximum of 3 children.
Best for: Families wanting comprehensive cover with savings, extended day-to-day cover, and extra chronic conditions
Hospitals
Associated Hospital List
Day-to-day
Personal Medical Savings Account — 25% of total contribution, plus Extended Cover (Above-Threshold Benefit) once day-to-day claims reach the annual Threshold (R36,900 principal member / R32,000 adult dependant / R10,600 per child, max 3 children charged).
Chronic meds
62 conditions (26 CDL + 36 additional non-CDL, additional limited to R13,700/family/year). Chosen chronic provider: State — State = State formulary (State facilities).
Hospital cover
Private hospital cover at Associated hospital list; R2,000 co-payment per authorisation applies (except MVA, maternity, emergencies); no overall annual limit.
Maternity
No annual limit on confinement/neonatal ICU. Richer day-to-day maternity programme: 12 antenatal visits, doula benefit (2 visits), lactation consult + follow-up, 3 nurse home visits, 2 pregnancy scans + 3D/4D at 2D rate, 2 paediatrician visits in baby's first year.
Dental
Basic dentistry unlimited within the Threshold mechanism. Specialised dentistry R18,100/beneficiary, R46,900/family. In-hospital wisdom teeth/trauma/maxillo-facial co-payments similar to Incentive.
Optical
R5,500 per beneficiary overall optical limit (R3,000 frame sub-limit), from day-to-day/Threshold benefit.
Mental health
R50,600 per beneficiary in-hospital; R26,300/family day-to-day (within the Threshold mechanism).
Gap cover
Optional — specialists covered to 200% MSR
Family pricing
Adult dependant R6 021 · Child R2 335
Note
Child rates apply under 21. You pay for a maximum of 3 children.
Best for: Families wanting comprehensive cover with savings, extended day-to-day cover, and extra chronic conditions
Hospitals
Any private hospital
Day-to-day
Personal Medical Savings Account — 25% of total contribution, plus Extended Cover (Above-Threshold Benefit) once day-to-day claims reach the annual Threshold (R36,900 principal member / R32,000 adult dependant / R10,600 per child, max 3 children charged).
Chronic meds
62 conditions (26 CDL + 36 additional non-CDL, additional limited to R13,700/family/year). Chosen chronic provider: State — State = State formulary (State facilities).
Hospital cover
Private hospital cover at any private hospital; R2,000 co-payment per authorisation applies (except MVA, maternity, emergencies); no overall annual limit.
Maternity
No annual limit on confinement/neonatal ICU. Richer day-to-day maternity programme: 12 antenatal visits, doula benefit (2 visits), lactation consult + follow-up, 3 nurse home visits, 2 pregnancy scans + 3D/4D at 2D rate, 2 paediatrician visits in baby's first year.
Dental
Basic dentistry unlimited within the Threshold mechanism. Specialised dentistry R18,100/beneficiary, R46,900/family. In-hospital wisdom teeth/trauma/maxillo-facial co-payments similar to Incentive.
Optical
R5,500 per beneficiary overall optical limit (R3,000 frame sub-limit), from day-to-day/Threshold benefit.
Mental health
R50,600 per beneficiary in-hospital; R26,300/family day-to-day (within the Threshold mechanism).
Gap cover
Optional — specialists covered to 200% MSR
Family pricing
Adult dependant R7 401 · Child R2 647
Note
Child rates apply under 21. You pay for a maximum of 3 children.
Best for: Families wanting comprehensive cover with savings, extended day-to-day cover, and extra chronic conditions
Hospitals
Associated Hospital List
Day-to-day
Personal Medical Savings Account — 25% of total contribution, plus Extended Cover (Above-Threshold Benefit) once day-to-day claims reach the annual Threshold (R36,900 principal member / R32,000 adult dependant / R10,600 per child, max 3 children charged).
Private hospital cover at Associated hospital list; R2,000 co-payment per authorisation applies (except MVA, maternity, emergencies); no overall annual limit.
Maternity
No annual limit on confinement/neonatal ICU. Richer day-to-day maternity programme: 12 antenatal visits, doula benefit (2 visits), lactation consult + follow-up, 3 nurse home visits, 2 pregnancy scans + 3D/4D at 2D rate, 2 paediatrician visits in baby's first year.
Dental
Basic dentistry unlimited within the Threshold mechanism. Specialised dentistry R18,100/beneficiary, R46,900/family. In-hospital wisdom teeth/trauma/maxillo-facial co-payments similar to Incentive.
Optical
R5,500 per beneficiary overall optical limit (R3,000 frame sub-limit), from day-to-day/Threshold benefit.
Mental health
R50,600 per beneficiary in-hospital; R26,300/family day-to-day (within the Threshold mechanism).
Gap cover
Optional — specialists covered to 200% MSR
Family pricing
Adult dependant R7 309 · Child R2 612
Note
Child rates apply under 21. You pay for a maximum of 3 children.
Best for: Families wanting comprehensive cover with savings, extended day-to-day cover, and extra chronic conditions
Hospitals
Any private hospital
Day-to-day
Personal Medical Savings Account — 25% of total contribution, plus Extended Cover (Above-Threshold Benefit) once day-to-day claims reach the annual Threshold (R36,900 principal member / R32,000 adult dependant / R10,600 per child, max 3 children charged).
Private hospital cover at any private hospital; R2,000 co-payment per authorisation applies (except MVA, maternity, emergencies); no overall annual limit.
Maternity
No annual limit on confinement/neonatal ICU. Richer day-to-day maternity programme: 12 antenatal visits, doula benefit (2 visits), lactation consult + follow-up, 3 nurse home visits, 2 pregnancy scans + 3D/4D at 2D rate, 2 paediatrician visits in baby's first year.
Dental
Basic dentistry unlimited within the Threshold mechanism. Specialised dentistry R18,100/beneficiary, R46,900/family. In-hospital wisdom teeth/trauma/maxillo-facial co-payments similar to Incentive.
Optical
R5,500 per beneficiary overall optical limit (R3,000 frame sub-limit), from day-to-day/Threshold benefit.
Mental health
R50,600 per beneficiary in-hospital; R26,300/family day-to-day (within the Threshold mechanism).
Gap cover
Optional — specialists covered to 200% MSR
Family pricing
Adult dependant R8 117 · Child R2 899
Note
Child rates apply under 21. You pay for a maximum of 3 children.
Best for: Families wanting comprehensive cover with savings, extended day-to-day cover, and extra chronic conditions
Hospitals
Associated Hospital List
Day-to-day
Personal Medical Savings Account — 25% of total contribution, plus Extended Cover (Above-Threshold Benefit) once day-to-day claims reach the annual Threshold (R36,900 principal member / R32,000 adult dependant / R10,600 per child, max 3 children charged).
Chronic meds
62 conditions (26 CDL + 36 additional non-CDL, additional limited to R13,700/family/year). Chosen chronic provider: Any — Any = Extended formulary (any GP/pharmacy).
Hospital cover
Private hospital cover at Associated hospital list; R2,000 co-payment per authorisation applies (except MVA, maternity, emergencies); no overall annual limit.
Maternity
No annual limit on confinement/neonatal ICU. Richer day-to-day maternity programme: 12 antenatal visits, doula benefit (2 visits), lactation consult + follow-up, 3 nurse home visits, 2 pregnancy scans + 3D/4D at 2D rate, 2 paediatrician visits in baby's first year.
Dental
Basic dentistry unlimited within the Threshold mechanism. Specialised dentistry R18,100/beneficiary, R46,900/family. In-hospital wisdom teeth/trauma/maxillo-facial co-payments similar to Incentive.
Optical
R5,500 per beneficiary overall optical limit (R3,000 frame sub-limit), from day-to-day/Threshold benefit.
Mental health
R50,600 per beneficiary in-hospital; R26,300/family day-to-day (within the Threshold mechanism).
Gap cover
Optional — specialists covered to 200% MSR
Family pricing
Adult dependant R8 125 · Child R2 856
Note
Child rates apply under 21. You pay for a maximum of 3 children.
Best for: Families wanting comprehensive cover with savings, extended day-to-day cover, and extra chronic conditions
Hospitals
Any private hospital
Day-to-day
Personal Medical Savings Account — 25% of total contribution, plus Extended Cover (Above-Threshold Benefit) once day-to-day claims reach the annual Threshold (R36,900 principal member / R32,000 adult dependant / R10,600 per child, max 3 children charged).
Chronic meds
62 conditions (26 CDL + 36 additional non-CDL, additional limited to R13,700/family/year). Chosen chronic provider: Any — Any = Extended formulary (any GP/pharmacy).
Hospital cover
Private hospital cover at any private hospital; R2,000 co-payment per authorisation applies (except MVA, maternity, emergencies); no overall annual limit.
Maternity
No annual limit on confinement/neonatal ICU. Richer day-to-day maternity programme: 12 antenatal visits, doula benefit (2 visits), lactation consult + follow-up, 3 nurse home visits, 2 pregnancy scans + 3D/4D at 2D rate, 2 paediatrician visits in baby's first year.
Dental
Basic dentistry unlimited within the Threshold mechanism. Specialised dentistry R18,100/beneficiary, R46,900/family. In-hospital wisdom teeth/trauma/maxillo-facial co-payments similar to Incentive.
Optical
R5,500 per beneficiary overall optical limit (R3,000 frame sub-limit), from day-to-day/Threshold benefit.
Mental health
R50,600 per beneficiary in-hospital; R26,300/family day-to-day (within the Threshold mechanism).
Gap cover
Optional — specialists covered to 200% MSR
Family pricing
Adult dependant R9 240 · Child R3 291
Note
Child rates apply under 21. You pay for a maximum of 3 children.
