Momentum Incentive (Any Hospital, State Chronic) 2026

What Incentive (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

Personal Medical Savings Account — 10% of total contribution per year, claims paid at cost with no sub-limits.

Chronic medication

32 conditions (26 CDL + 6 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. 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.

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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