Momentum: Incentive Option
Savings
2026 Plan
From R 3 362/monthGet a free callback
Heads up: This is general information, not financial advice. Pricing is sourced from the official Momentum 2026 brochure but may change — always confirm directly with Momentum before joining.
Monthly Contributions
Main memberR 3 362
Adult dependantR 2 653
Child dependantR 1 290
Max 3 children billed. Child rates apply up to age 21.
Hospital Cover
Limit: Unlimited
Network: Comprehensive network
Network name: Associated hospitals (headline); Any hospital variant available
Chronic Cover
26 conditions covered (26 PMB + 0 additional)
Non-formulary co-pay: 30%
Maternity
12 antenatal consultations
2 ultrasound scans
Plan highlights
- Hospital + 10% Annual Savings (R6,396 main)
- Associated hospitals at the headline price; Any hospital variant available
- 26 PMB chronic conditions covered
- Day-to-day from savings + HealthSaver+ option
Who is Incentive Option for?
- Members who want flexibility — use savings for any healthcare expense
- People with predictable but not heavy day-to-day usage
This is general guidance. Use our free calculator to see whether this plan matches your specific needs and budget.
What's covered
- Unlimited hospital cover at comprehensive network
- 26 chronic conditions (26 PMB + 0 additional)
- 12 antenatal consultations
- 2 pregnancy ultrasound scans
- All Prescribed Minimum Benefits (PMB) — required by South African law
What to watch out for
- Planned admissions at hospitals outside the network — co-payments apply
- Non-formulary chronic medication is subject to a 30% co-payment
- Chronic conditions outside the 27 statutory PMB list
- Cosmetic procedures, alternative therapies and certain elective treatments
- Out-of-hospital costs above your annual day-to-day limit (where applicable)
Compare with similar Momentum plans
Custom Option
Hospital Plan
From R 2 585/month
26 chronic conditions
Comprehensive network
Evolve Option
Network
From R 2 029/month
26 chronic conditions
Comprehensive network
Ingwe Option
Network
From R 645/month
26 chronic conditions
Restrictive network
Frequently asked questions
Source: Momentum Focus on Individual Contributions 2026 — accessed 2026-10-08.
All benefits and limits are per calendar year, unless otherwise stated.
Subject to Council for Medical Schemes approval.
Pre-authorisation required — 30% co-payment if not obtained (excluding emergencies).
Pricing and benefits sourced from the official 2026 Momentum Medical Scheme brochure. Final premiums confirmed by Momentum at application.