Momentum
Momentum Extender (Associated Hospital, State Chronic) 2026
ComprehensiveLowest Extender premium
Extender (Associated Hospital, State Chronic) is a comprehensive plan from Momentum. In 2026 it costs R7 939 a month for the main member, R6 021 for an adult dependant and R2 335 for a child.
Best for: Families wanting comprehensive cover with savings, extended day-to-day cover, and extra chronic conditions
From Momentum's official 2026 brochure
What Extender (Associated Hospital, State Chronic) covers
- Hospitals you can use
- Associated Hospital List
- In hospital
- Private hospital cover at Associated hospital list; R2,000 co-payment per authorisation applies (except MVA, maternity, emergencies); no overall annual limit.
- 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 medication
- 62 conditions (26 CDL + 36 additional non-CDL, additional limited to R13,700/family/year). Chosen chronic provider: State — State = State formulary (State facilities).
- 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).
- 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
- Optional — specialists covered to 200% MSR
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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