Momentum: Ingwe Option
From 1 January 2027
2027 prices are out
R699
main member / month
Main member
Adult dependant
Child dependant
Family of four (2 adults + 2 kids): R2 580 in 2026 → R2 796 in 2027, an extra R216 a month.
2027 prices by household income
| Income | Main | Adult | Child |
|---|---|---|---|
| R0 – R1 600 | R699 | R699 | R699 |
| R1 601 – R9 800 | R1 998 | R1 998 | R793 |
| R9 801 – R13 100 | R2 794 | R2 794 | R845 |
| R13 101 – R18 850 | R3 805 | R3 805 | R887 |
| R18 851 – R24 500 | R4 884 | R4 884 | R1 418 |
| R24 501+ | R4 905 | R4 905 | R1 422 |
Income-banded; Any hospital + Ingwe Active Network. Headline is the lowest band (R0 – R1 600).
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
Income-banded pricing:
Hospital Cover
30% co-payment if non-network hospital used (excluding emergencies).
Chronic Cover
Plan highlights
- Entry-level cover with affordable income-banded premiums
- Choose Connect / Ingwe Network / Any hospital
- 26 PMB chronic conditions covered
- 3 virtual GP consultations per year via Hello Doctor
- Health Platform preventative benefits
Who is Ingwe Option for?
- Members happy to use a defined network of GPs and hospitals in exchange for lower premiums
- People prioritising affordable monthly contributions over freedom of choice
- Budget-conscious members looking for entry-level cover
- Members on income-banded pricing — pay according to what you earn
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 restrictive network
- 26 chronic conditions (26 PMB + 0 additional)
- 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
Evolve Option
Custom Option
Incentive 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.