How Momentum structures its hospital cover
Momentum is a medical scheme registered under the Medical Schemes Act 131 of 1998, so every option here funds authorised in-hospital treatment and the Prescribed Minimum Benefits, including the Chronic Disease List conditions. What separates the options is price, which hospitals you may use, and what you pay out of pocket when you are admitted.
Of the 3 Momentum hospital options in our 2026 data set, 1 let you use any private hospital and 2 are restricted to a hospital network. Network options are cheaper for that reason; use a hospital off the list and you can carry a large share of the account yourself. No fixed per-admission co-payment is published on these options.
Contributions are billed per beneficiary. A main member pays the main rate, each adult dependant the adult rate, and each child the child rate — so your monthly cost depends on who you cover, not on a single family price.
Momentum hospital plan prices, cheapest first
Published 2026 contributions and in-hospital terms. “Not stated” means the brochure does not publish that figure — we do not estimate it.
| Plan | Main / month | Adult | Child | Hospitals | Co-pay / admission | In-hospital limit | Source |
|---|---|---|---|---|---|---|---|
| Momentum: Evolve Option | R2 029 | R2 029 | R2 029 | Comprehensive network | None stated | Unlimited | Brochure |
| Momentum: Custom Option | R3 749 | R2 958 | R1 322 | Any private hospital | None stated | Unlimited | Brochure |
| Momentum: Ingwe Option | R4 546 | R4 546 | R1 318 | Connect / Ingwe Network / Any hospital (member's choice) | None stated | Unlimited | Brochure |
Momentum figures last verified against the source document on 2026-04-28. Momentum Evolve Option 2026
Before you choose a Momentum hospital plan
Check the hospital list first
On a network option, the hospital nearest you matters more than the monthly price. Look your hospital up before you commit.
Momentum hospital network checkerCompare against other schemes
Momentum is one of six schemes whose 2026 hospital options we hold. See how the prices line up across all of them.
All hospital plans in South AfricaMomentum hospital plans: common questions
How much is a Momentum hospital plan per month in 2026?
On the published 2026 contributions, Momentum hospital options start at R2 029 a month for a main member and run up to R4 546. Each adult and child dependant adds its own rate on top, because schemes bill per beneficiary rather than per household.
Which hospitals can I use on a Momentum hospital plan?
1 of the 3 Momentum hospital options in our 2026 data set allow any private hospital, and 2 restrict you to a defined hospital network. The network name for each option is listed in the table on this page, and you can look up individual hospitals in our network checker.
Does a Momentum hospital plan cover chronic medicine?
Yes, at least to the extent the law requires: every registered option must fund the conditions on the Chronic Disease List as part of the Prescribed Minimum Benefits. The most chronic conditions published on a Momentum hospital option for 2026 in our data set is 26. Chronic cover is usually subject to a formulary and a designated pharmacy.
Are there co-payments on Momentum hospital plans?
No fixed per-admission co-payment is published on the Momentum hospital options in our 2026 data set. Separate co-payments can apply to MRI and CT scans and to specific procedures — check the option's benefit schedule.
Is this page advice?
No. It is a factual comparison of published 2026 figures, not financial advice and not a recommendation. Confirm current contributions and rules with the scheme, or speak to an accredited adviser, before joining or switching.
All contributions, networks and co-payments on this page are taken from the official Momentum 2026 documentation and linked to their source. This is general information, not financial advice, and not a recommendation of any scheme or option. Always confirm current figures directly with Momentum before joining or switching.