Momentum: Ingwe Option
Network
2026 Plan
From R 4 546/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 4 546
Adult dependantR 4 546
Child dependantR 1 318
Income-banded pricing:
R0 – R1,550R 645 / R 645 / R 645
R1,551 – R9,400R 1 852 / R 1 852 / R 735
R9,401 – R12,500R 2 590 / R 2 590 / R 783
R12,501 – R18,000R 3 527 / R 3 527 / R 822
R18,001 – R23,500R 4 527 / R 4 527 / R 1 314
R23,501+R 4 546 / R 4 546 / R 1 318
Hospital Cover
Limit: Unlimited
Network: Restrictive network
Network name: Connect / Ingwe Network / Any hospital (member's choice)
30% co-payment if non-network hospital used (excluding emergencies).
Chronic Cover
26 conditions covered (26 PMB + 0 additional)
Pharmacy: Ingwe Primary Care / Active Network / State facilities
Non-formulary co-pay: 30%
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
- 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
Incentive Option
Savings
From R 5 333/month
26 chronic conditions
Any private hospital
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 Ingwe Option Focus 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.