Momentum
Momentum Incentive (Associated Hospital, State Chronic) 2026
Hospital + savingsLowest Incentive premium
Incentive (Associated Hospital, State Chronic) is a hospital + savings plan from Momentum. In 2026 it costs R3 362 a month for the main member, R2 653 for an adult dependant and R1 290 for a child.
Best for: Working professionals wanting a savings account for day-to-day plus strong hospital cover
From Momentum's official 2026 brochure
What Incentive (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 — 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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