Momentum Custom (Any Hospital, State Chronic) 2026

What Custom (Any Hospital, State Chronic) covers

Hospitals you can use

Any private hospital

In hospital

Private hospital cover at any private hospital; R2,000 co-payment per authorisation applies (except MVA, maternity, emergencies); no overall annual limit.

Day-to-day

None built-in (optional HealthSaver+ addon available)

Chronic medication

26 CDL conditions only, no annual limit. Chosen chronic provider: State — State = State formulary (State facilities).

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.

PMBs (prescribed minimum benefits)

Full PMB cover (legally required)

Emergencies

Netcare 911 emergency medical transport (SA), no annual limit; international emergency medical transport also covered on a per-beneficiary/90-day journey basis.

Gap cover

Yes — R2,000 co-payment per authorisation applies

Summarised from Momentum's official 2026 brochure. Always confirm the details with the scheme or an accredited broker before you join.

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