Momentum: Incentive Option
From 1 January 2027
2027 prices are out
R3 627
main member / month
Main member
Adult dependant
Child dependant
Family of four (2 adults + 2 kids): R8 595 in 2026 → R9 271 in 2027, an extra R676 a month.
Source: Momentum Medical Scheme 2027 brochure (Individual contributions). Benefits shown on this page are 2026 until we load the 2027 benefit changes. Compare every 2027 increase
Monthly Contributions
Max 3 children billed. Child rates apply up to age 21.
Hospital Cover
Chronic Cover
Maternity
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
Evolve Option
Ingwe Option
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.