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Momentum Medical Scheme

Momentum Medical Scheme is an open scheme. Its options run from income-banded Ingwe plans and Evolve, through Custom, Incentive and Extender, to the comprehensive Summit. On Custom, Incentive and Extender you choose which hospital list and which chronic provider you use, and narrower choices lower the premium.

Plans: 23
From: R1 252
Up to: R16 469

Monthly premium for the main member, 2026.

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Momentum plans for 2026

Hospital only (10)

Covers you when you're admitted. Day-to-day costs are mostly yours.

Ingwe — Connect Network

Hospital onlyCheapest Ingwe network option

R1 252

per month, main member

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.

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Ingwe — Ingwe Network

Hospital onlyMost-used Ingwe private-hospital option

R1 425

per month, main member

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.

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Ingwe — Any Hospital

Hospital onlyWidest hospital choice on Ingwe

R1 852

per month, main member

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.

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Evolve

Hospital onlyNetwork entry + intl cover

R2 029

per month, main member

Best for: Budget members wanting private hospital cover on a network with international emergency cover included

Hospitals: Evolve Network hospitals (specific list)
Day-to-day: None — HealthSaver+ available as optional add-on
Chronic meds: 26 CDL conditions — State facilities only. State formulary. No annual limit.

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Custom (Associated Hospital, State Chronic)

Hospital onlyLowest Custom premium

R2 585

per month, main member

Best for: Mid-range members wanting open or network hospital access with flexible chronic-provider choice

Hospitals: Associated Hospital List
Day-to-day: None built-in (optional HealthSaver+ addon available)
Chronic meds: 26 CDL conditions only, no annual limit. Chosen chronic provider: State — State = State formulary (State facilities).

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Custom (Any Hospital, State Chronic)

Hospital onlyAny hospital, State chronic

R3 295

per month, main member

Best for: Mid-range members wanting open or network hospital access with flexible chronic-provider choice

Hospitals: Any private hospital
Day-to-day: None built-in (optional HealthSaver+ addon available)
Chronic meds: 26 CDL conditions only, no annual limit. Chosen chronic provider: State — State = State formulary (State facilities).

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Custom (Associated Hospital, Associated Chronic)

Hospital onlyBalanced cost and flexibility

R3 334

per month, main member

Best for: Mid-range members wanting open or network hospital access with flexible chronic-provider choice

Hospitals: Associated Hospital List
Day-to-day: None built-in (optional HealthSaver+ addon available)
Chronic meds: 26 CDL conditions only, no annual limit. Chosen chronic provider: Associated — Associated = Core formulary (Associated GP + Medipost).

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Custom (Associated Hospital, Any Chronic)

Hospital onlyMost flexible Custom combination

R3 749

per month, main member

Best for: Mid-range members wanting open or network hospital access with flexible chronic-provider choice

Hospitals: Associated Hospital List
Day-to-day: None built-in (optional HealthSaver+ addon available)
Chronic meds: 26 CDL conditions only, no annual limit. Chosen chronic provider: Any — Any = Basic formulary (any GP/pharmacy).

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Custom (Any Hospital, Associated Chronic)

Hospital onlyAny hospital, Associated chronic

R3 953

per month, main member

Best for: Mid-range members wanting open or network hospital access with flexible chronic-provider choice

Hospitals: Any private hospital
Day-to-day: None built-in (optional HealthSaver+ addon available)
Chronic meds: 26 CDL conditions only, no annual limit. Chosen chronic provider: Associated — Associated = Core formulary (Associated GP + Medipost).

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Custom (Any Hospital, Any Chronic)

Hospital onlyFull choice, both hospital and chronic provider

R4 472

per month, main member

Best for: Mid-range members wanting open or network hospital access with flexible chronic-provider choice

Hospitals: Any private hospital
Day-to-day: None built-in (optional HealthSaver+ addon available)
Chronic meds: 26 CDL conditions only, no annual limit. Chosen chronic provider: Any — Any = Basic formulary (any GP/pharmacy).

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Hospital + savings (6)

Hospital cover plus a savings pot for GP visits, meds and more.

Incentive (Associated Hospital, State Chronic)

Hospital + savingsLowest Incentive premium

R3 362

per month, main member

Best for: Working professionals wanting a savings account for day-to-day plus strong hospital cover

Hospitals: Associated Hospital List
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).

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Incentive (Any Hospital, State Chronic)

Hospital + savingsAny hospital, State chronic

R4 179

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: State — State = State formulary (State facilities).

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Incentive (Associated Hospital, Associated Chronic)

Hospital + savingsBalanced Incentive combination

R4 731

per month, main member

Best for: Working professionals wanting a savings account for day-to-day plus strong hospital cover

Hospitals: Associated Hospital List
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: Associated — Associated = Core formulary (Associated GP + Medipost).

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Incentive (Any Hospital, Associated Chronic)

Hospital + savingsAny hospital, Associated chronic

R5 149

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: Associated — Associated = Core formulary (Associated GP + Medipost).

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Incentive (Associated Hospital, Any Chronic)

Hospital + savingsAssociated hospital, Any chronic

R5 333

per month, main member

Best for: Working professionals wanting a savings account for day-to-day plus strong hospital cover

Hospitals: Associated Hospital List
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).

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Incentive (Any Hospital, Any Chronic)

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).

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Comprehensive (7)

The most cover: hospital, day-to-day and extras.

Extender (Associated Hospital, State Chronic)

ComprehensiveLowest Extender premium

R7 939

per month, main member

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).

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Extender (Any Hospital, State Chronic)

ComprehensiveAny hospital, State chronic

R9 017

per month, main member

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).

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Extender (Associated Hospital, Associated Chronic)

ComprehensiveBalanced Extender combination

R9 081

per month, main member

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: Associated — Associated = Core formulary (Associated GP + Medipost).

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Extender (Any Hospital, Associated Chronic)

ComprehensiveAny hospital, Associated chronic

R10 079

per month, main member

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: Associated — Associated = Core formulary (Associated GP + Medipost).

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Extender (Associated Hospital, Any Chronic)

ComprehensiveAssociated hospital, Any chronic

R10 088

per month, main member

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).

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Extender (Any Hospital, Any Chronic)

ComprehensiveRichest Extender cover, full choice

R11 472

per month, main member

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).

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Summit

ComprehensiveTop-tier open network

R16 469

per month, main member

Best for: High earners wanting the highest-level Momentum cover with complete freedom of provider and no hospital restrictions

Hospitals: Open — any hospital, freedom of choice
Day-to-day: Day-to-day benefits paid from risk benefit. Overall day-to-day limit R34,500 per beneficiary (comprehensive formulary). No savings account — risk-funded.
Chronic meds: 26 CDL (no limit) + 36 additional conditions accumulate to R34,500 day-to-day limit. Any provider. Comprehensive formulary. Freedom of choice.

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