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Healthy family on the hospital plan from Momentum, otherwise known as the Custom Option, which is great if you need primarily hospital cover.

Affordable hospital plan
Custom Option

This is the medical aid plan to choose if you’re looking for:

  • An affordable hospital plan.
  • Customisable savings through HealthSaver+.
  • Free preventative screening benefits.
From

R2 353 per month

Get an online quote Call me for a quote

Get affordable hospital cover with the Custom Option

You can choose to have access to any private hospital in South Africa or choose to save on your contribution (Provider Choice) by electing to use a specific list of private hospitals for any planned hospital admission.

In-hospital Benefits

Any private hospital

These are any private hospitals within
South Africa.

Associated hospitals

Save on your monthly contributions by using a specific network of private hospitals.

State hospitals

These are State facilities that are administered by the Department of Health.

Chronic treatment

To save even more on your contributions, you have the option to choose between:

Any provider

You can choose to have access to any GP for your chronic scripts and any pharmacy for your chronic medication.

Associated providers

Save on your monthly contribution by using a list of Associated GPs for your chronic script and Medipost courier pharmacy for your chronic medication.

State facilities

You can choose to use State facilities for your chronic script, medication and treatment to obtain the maximum contribution saving.

Day-to-day Benefit

To save on your contribution you have the option to choose between:

HealthSaver+

If you need day-to-day cover, you can make use of the HealthSaver+.

Health Platform Benefit

Free health screening cover

Provides cover for a range of benefits, such as preventative screening tests, certain check-ups, and more.

See how much you can save

Calculate how much you can save as a single member.

Medical aid contribution savings

This is how much you can save on the Custom Option as a single member.

1. Select hospital provider

Your choice for planned procedures. In the event of a medical emergency, you can go to any hospital, regardless of your hospital choice.


2. Select chronic provider

Your choice of provider for chronic medication and treatment.



Savings

Monthly contribution

R4 047 R3 596 R2 997 R3 393 R3 033 R2 353
Monthly contribution
R3 078 R2 762 R2 303 R2 580 R2 330 R1 808 R1 808
Total savings
R0 R316 R775 R498 R748 R1 270
The actual amount you save depends on your medical aid option, the number of dependants on Momentum Medical Scheme, as well as your choice of providers.

What does the Custom
Option cover?

In-hospital Benefit
This benefit covers hospitalisation as well as some out-of-hospital procedures or treatments that can be safely performed in a doctor's room, registered day hospital, or out-patient facility. A co-payment of
R1 920 applies per authorisation, except for motor vehicle accidents, maternity confinements, and emergency treatment.

Hospital choice

Provider
Available at Any or Associated hospitals .

Hospitalisation

Benefit
  • Associated specialists are covered in full.
  • Other specialists are covered up to 100% of the Momentum Medical Scheme Rate.
  • Hospital accounts are covered in full at the rate agreed upon with the hospital group.
Specialised dentistry
  • Certain in-hospital dental and oral benefits are covered by Major Medical Benefit.
  • Co-payments may apply, depending on the procedure.
Maternity
No annual limit on maternity confinement and neonatal intensive care.
Oncology
  • Oncology is covered up to R300 000 per beneficiary per year, thereafter a 20% co-payment applies.
  • Momentum Medical Scheme reference pricing applies to chemotherapy and adjuvant (supplementary) medication.
Organ transplant
No annual limit for organ transplant recipients.
MRI and CT scans, magnetic resonance cholangiopancreatography, whole body radioisotope and PET scans
  • No annual limit.
  • You need to pay a co-payment of R3 200 per scan and obtain pre-authorisation.
Medical rehabilitation, private nursing, Hospice, and step-down facilities
R64 000 per family
Health management programmes for conditions such as chronic renal disease, organ transplants, mental health, HIV/Aids and oncology
Your doctor needs to register you on the appropriate health management programme.
Immune deficiency related to HIV
  • Anti-retroviral treatment: No annual limit applies at a preferred provider.
  • HIV-related hospital admissions: R85 600 per family at your chosen hospital provider.
Emergency medical transport in South Africa by Netcare 911
No annual limit applies.
International emergency medical transport by preferred provider
R7 660 000 per beneficiary per 90-day journey. This benefit includes R15 500 for emergency optometry, R15 500 for emergency dentistry and R765 000 terrorism cover. A R2 180 co-payment applies per emergency out-patient claim.
Take-home medication
7 days’ supply.

Specialised procedures/treatment

Certain specialised procedures or treatments covered
These are covered, when clinically appropriate, in-and out-of-hospital.
*Prescribed Minimum Benefits (PMB) is a set of defined benefits to ensure that all medical scheme members have access to certain minimum health services, regardless of the benefit option they have selected. The aim is to provide members with continuous care to improve their health and well-being and to make healthcare more affordable.

Chronic Benefit
This benefit takes care of certain life-threatening conditions, such as diabetes and heart disease, that need ongoing treatment.

Network provider

Available from:
Any, Associated or State providers.

Benefit

Cover
26 conditions under Prescribed Minimum Benefits* according to the Chronic Disease List.
*Prescribed Minimum Benefits (PMB) is a set of defined benefits to ensure that all medical scheme members have access to certain minimum health services, regardless of the benefit option they have selected. The aim is to provide members with continuous care to improve their health and well-being and to make healthcare more affordable.

Day-to-day Benefit
Day-to-day expenses, such as GP visits, specialist visits, eye care, dentistry, prescribed medicine, and mental health, are paid by you or from HealthSaver+ if available.

Savings

Medical Savings Account
  • No built-in savings.
  • You can add HealthSaver+ to supplement your day-to-day benefits.
+ Momentum Medical Scheme members may choose to make use of additional products available from Momentum Group Limited and its subsidiaries as well as Momentum Multiply (herein collectively referred to as Momentum). Momentum is not a medical scheme and is a separate entity to Momentum Medical Scheme. Momentum products are not medical scheme benefits. You may be a member of Momentum Medical Scheme without taking any of the products offered by Momentum.

Momentum Medical Scheme's benefits and contributions for 2024 have been announced, but are still subject to approval by the Council for Medical Schemes (for implementation effective from 1 January 2024).

Health Platform Benefit
A unique benefit that encourages health awareness, enhances quality of life, and gives peace of mind through preventative care and early detection tests.

Network provider

Available from:
Any or Associated providers, depending on your Provider Choice.

Benefit

Preventative care includes:
  • baby immunisations covered up to the age of 6,
  • flu vaccines,
  • pneumococcal vaccines,
  • tetanus-diphtheria injections, and more.
Early detection tests include:
  • mammograms,
  • bone density scans,
  • pap smears,
  • dental consultations,
  • general physical examinations,
  • prostate specific antigens tests,
  • health assessments,
  • cholesterol tests,
  • blood sugar tests, and
  • HIV tests.
Maternity programme
Our comprehensive maternity programme is aimed at providing members with the support and quality care they need during their pregnancy and after delivery. The benefits include:
  • 12 antenatal visits, including urine tests (dipstick),
  • certain antenatal pathology tests,
  • 2 pregnancy scans,
  • 2 doula visits,
  • • 2 nurse home visits after returning home from hospital, and
  • 2 paediatricians visits in baby’s first year.
Health line
24-hour emergency health advice.

This is only a summary of our benefits. Read the Custom Option brochure for more details. Momentum Medical Scheme’s Rules apply.

Compare medical aid options

Compare the cover and benefits of 2 Momentum Medical Scheme options side-by-side to find the most budget-friendly option to suit your needs.

Compare options

MOMENTUM VALUE-ADDED BENEFITS

Convenient, innovative features, unique to Momentum

HealthReturns+

An incentive programme that rewards you for taking ownership of your health. We aim to help you stay informed about your health status and reward you for staying healthy.

Free

Learn more

HealthSaver+

A voluntary savings account that works seamlessly with your medical aid. It pays for treatments and procedures not covered by your option.

R40 admin fee per year

Learn more

Hello Doctor+

Get free expert health advice from qualified South African medical doctors through your phone or mobile device, 24/7/365.


Free

Learn more

GapCover+

Gap cover helps you avoid unexpected shortfalls for hospitalisation and certain procedures performed out of hospital.


From R259 per month

Learn more

+ Momentum Medical Scheme members may choose to make use of additional products available from Momentum Group Limited and its subsidiaries as well as Momentum Multiply (herein collectively referred to as Momentum). Momentum is not a medical scheme and is a separate entity to Momentum Medical Scheme. Momentum products are not medical scheme benefits. You may be a member of Momentum Medical Scheme without taking any of the products offered by Momentum.

Disclaimer: Momentum Medical Scheme’s 2025 benefit and contribution amendments have been submitted to the Council for Medical Schemes and are subject to approval by the Regulator.

Healthy couple on the Custom Option hospital plan earning Momentum Multiply cashbacks by being active and healthy.

MOMENTUM MULTIPLY+ REWARDS PROGRAMME

Enjoy exclusive rewards

Multiply encourages and rewards members for making healthier choices! Multiply Inspire is available to you for free. You can upgrade to Multiply Inspire Plus and earn up to R1 000 for every step towards a healthier, more fulfilling life.

Learn more

Want a medical aid quote?

You'll get a quote reflecting the medical aid contribution at the end of the process.

Get an online quote

Need advice?

An accredited healthcare consultant will call you to discuss our medical aid options and benefits.

Request a call back

Contact Momentum Medical Scheme

Client service, claims and authorisations

0860 117 859

WhatsApp us
Join an online help session.

+27 31 573 4008

[email protected]

[email protected]
Business hours are Monday to Friday from 08:00 to 17:00. Saturdays from 08:00 to 16:00.
Closed on Sundays and public holidays.

For local emergencies

082 911

Available 24 hours a day, 7 days a week, 365 days a year.

For international emergencies


+27 11 541 1263

Available 24 hours a day, 7 days a week, 365 days a year.

Momentum Medical Scheme Ethics and Fraud line

0800 000 438

[email protected]

Available 24 hours a day, 7 days a week, 365 days a year.
Other Momentum contacts

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