Get affordable medical aid cover with the Ingwe Option. It’s great if you’re a first-time earner or a student needing affordable medical aid cover in South Africaopen_in_new. Even though it’s an entry-level medical aid plan, you get hospital and day-to-day cover and chronic illness benefits when you use the network providers.
- check Affordable access to entry-level cover.
- check Hospital cover from Any hospital, the Ingwe Network or Ingwe Connect Network of private hospitals.
- check Your contribution is based on your income and family composition.
From
R589 per month
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Choose hospital cover from these providers
The Ingwe Option provides affordable access to entry-level hospital cover with no overall annual limit. You can save on your contribution depending on your choice of provider:
Connect Network hospitals
This is a specific network of private hospitals that you can select for your hospitalisation cover.
Ingwe Network of hospitals
Save on your monthly contributions by using a specific network of private hospitalsopen_in_new.
Any private hospital
These are private hospitals within South Africa.
Chronic and Day-to-day Benefits
For chronic treatment and Day-to-day Benefits, such as GP visits or prescribed medicine, you need to use:
Ingwe Primary Care Network
If you choose Ingwe Network open_in_new your provider for Chronic and Day-to-day Benefits is Ingwe Primary Care Network get_app.
Ingwe Active Network
If you choose Any private hospital, your Chronic and Day-to-day Benefits provider is Ingwe Active Network get_app.
Connect Network hospitals
If you choose Connect Networkopen_in_new hospitals, benefits are available from State facilities, unless otherwise indicated.
Health Platform Benefits
Health Platform Benefits are only available from your chosen Primary Care Network provider, except for health assessments, maternity programme benefits and baby immunisations, which are available at any healthcare provider. If you choose the Connect Network, you can access Health Platform benefits from any provider.
Ingwe Primary Care Network
If you choose Ingwe Network open_in_new your Health Platform Benefits provider is Ingwe Primary Care Network get_app.
Ingwe Active Network
If you choose Any private hospitals, your Health Platform Benefits provider is Ingwe Active Network get_app.
Connect Network hospitals
If you choose Connect Networkopen_in_new hospitals, benefits are available from State facilities, unless otherwise indicated.
What does the Ingwe Option cover?
This benefit covers hospitalisation and some out-of-hospital procedures or treatments that can be safely performed in a doctor's room, registered day hospital, or out-patient facility.
Hospital choice
Providers
Any private hospital, Ingwe Network of hospitals get_app or Connect Networkopen_in_new hospitals.
Hospitalisation
Benefit
- Hospital accounts are covered in full at the rate agreed upon with the hospital group.
- Accounts for specialists are covered up to 100% of the Momentum Medical Scheme Rate.
Maternity confinements
No annual limit applies.
Caesarean section
Emergency caesareans are covered.
Neonatal intensive care
No annual limit applies.
Organ transplant
If you choose Connect Networkopen_in_new hospitals, benefits are limited to Prescribed Minimum Benefits at Connect Network hospitals. If you choose Ingwe Network hospitals or Any hospital, benefits are limited to Prescribed Minimum Benefits* at State facilities.
MRI and CT scans, magnetic resonance cholangiopancreatography, whole body radioisotope and PET scans.
If you choose Connect Networkopen_in_new hospitals, MRI and CT scans are limited to Prescribed Minimum Benefits* at Connect Network hospitals and other specialised scans are subject to Prescribed Minimum Benefits at State facilities. If you choose Ingwe Network hospitals or Any hospital, all scans are limited to Prescribed Minimum Benefits at State facilities.
Medical rehabilitation and step-down facilities
Limited to R16 700 per beneficiary every year.
Health management programmes for conditions such as HIV/Aids
Your doctor needs to register you on the appropriate health management programme.
Immune deficiency related to HIV
- Anti-retroviral treatment: R40 500 per family at preferred provider.
- HIV-related hospital admissions: R41 000 per family at your chosen hospital provider.
Emergency medical transport in South Africa by Netcare 911
No annual limit applies.
Take-home medication
7 days’ supply.
*Prescribed Minimum Benefits (PMB)open_in_new 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.
Specialised procedures/treatment
Certain specialised procedures/treatments covered
These are covered when clinically appropriate for in- and out-of-hospital.
This benefit covers certain life-threatening conditions, such as diabetes and heart disease, that require ongoing treatment.
Network provider
Available from:
Available from Ingwe Primary Care Networkget_app or Ingwe Active Networkget_app or State, depending on your choice of provider.
Benefit
Cover
26 conditions under Prescribed Minimum Benefits* according to the Chronic Disease List.
*Prescribed Minimum Benefits (PMB)open_in_new 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.
This benefit covers your everyday medical expenses, such as doctors' visits and prescribed medication.
Network provider
Available from:
Ingwe Primary Care Network get_app or Ingwe Active Networkget_app or State, depending on your choice of provider.
Savings
Savings Account
- No built-in savings.
- You can add HealthSaver+to supplement your day-to-day benefits.
Benefit
Unlimited GP visits.
- Unlimited GP visits
- From the 11th visit onwards, you’ll need pre-authorisation from the Scheme for it to be covered.
- You also get 3 virtual doctor consultations per beneficiary per year from the GP Virtual Consultation Networkget_app, which includes Hello Doctor. Consultations include scripting of medication where required.
Eye care
- 1 standard eye test.
- 1 pair of clear standard or bi-focal lenses with a standard frame.
- Benefits available per beneficiary every 2 years.
Dentistry
- 1 consultation per beneficiary every year, plus extractions, fillings, and x-rays.
- Specialised dentistry, such as braces, is not covered by the Scheme.
Medicine
Prescribed medication is subject to a list of medicine open_in_new. referred to as the prescribed formulary.
Mental health
Limited to Prescribed Minimum Benefits* at State facilities.
Specialist visits
- 2 visits per family every year.
- Limited to R1 350 per visit and up to a maximum of R2 700 per family per year.
- Covered at 100% of the Momentum Medical Scheme Rate.
+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.
A unique benefit that encourages health awareness, enhances the quality of life, and gives peace of mind through preventative care, early detection tests, and health education and advice.
Network provider
Available from:
Only available from Ingwe Primary Care Networkget_app or Ingwe Active Networkget_app providers, except for health assessments, maternity programme benefits, and baby immunisations. Members on the Connect Networkopen_in_new can use any healthcare provider.
Benefit
Preventative care includes:
- baby immunisations covered in private facilities for baby’s 1st year up to R2 950,
- flu vaccines,
- tetanus-diphtheria injections, and more.
Early detection tests include:
- pap smears,
- dental consultations,
- general physical examinations,
- prostate specific antigens,
- health assessments,
- cholesterol tests,
- blood sugar tests,
- HIV tests, and other tests.
Maternity programme
7 antenatal visits which include:
- a urine test,
- certain antenatal pathology tests,
- 1 paediatrician visit in baby's 1st year,
- 2 pregnancy scans, and
- a nurse home visit after returning home from the hospital.
This is only a summary of our benefits. Read the Ingwe Option brochureopen_in_new for more details. Momentum Medical Scheme 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.
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Want to know more?
For more information relating to this option, download the relevant document below.
Ingwe Option brochure open_in_new Ingwe Network hospitals open_in_new Ingwe Primary Care Network download Ingwe Active Network download Ingwe Connect Network open_in_new Pharmacy Network List download Optometry Network download Ingwe and Ingwe Active Dental Network download GP Virtual Consultation Network download
Added benefits
Convenient, innovative features, unique to our medical aid.
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 ffor 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.
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 per beneficiary per month.
Learn more
Want a 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
0860 117 859
Join an online help session.
+27 31 573 4008
[emailprotected]
[emailprotected]
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.
082 911
Available 24 hours a day, 7 days a week, 365 days a year.
+27 11 541 1263
Available 24 hours a day, 7 days a week, 365 days a year.
0800 000 438
[emailprotected]
Available 24 hours a day, 7 days a week, 365 days a year.
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