Momentum: Incentive Option
Savings
2026 Plan
From R 5 333/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 5 333
Adult dependantR 4 292
Child dependantR 1 993
Max 3 children billed. Child rates apply up to age 21.
Hospital Cover
Limit: Unlimited
Network: Any private hospital
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)
- Any private hospital, associated specialists in full
- 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 any private hospital
- 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
- 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
Ingwe Option
Network
From R 4 546/month
26 chronic conditions
Restrictive network
Custom Option
Hospital Plan
From R 3 749/month
26 chronic conditions
Any private hospital
Evolve Option
Network
From R 2 029/month
26 chronic conditions
Comprehensive network
Frequently asked questions
Source: Momentum Incentive Option 2026 — accessed 2026-04-28.
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.