Momentum medical aid plans 2026

Momentum Medical Scheme: an open scheme

The CMS register at 31 March 2026 lists Momentum Medical Scheme as open (CMS Annual Report 2025/26). The scheme describes itself as "a not for profit open medical scheme", registration number 1167, with Momentum Health as administrator and managed healthcare provider, and "over 293 000 beneficiaries" (Momentum Medical Scheme). It is a medical scheme, separate from the insurer Momentum (see our Momentum insurer profile).

Its home page also carries a notice of the proposed amalgamation of Suremed Health with Momentum Medical Scheme with effect from 1 January 2027, with comments to the Registrar by 15 December 2026 (Momentum Medical Scheme). The 2026 weighted average increase was 9.9%, from 1 January 2026 (Momentum).

Ingwe Option 2026: priced by income and hospital choice

Ingwe is priced by monthly income and by the hospitals you choose: the Connect Network (chronic and day-to-day care at State facilities), the Ingwe Network (with the Ingwe Primary Care Network) or any hospital (with the Ingwe Active Network). Member alone, a month (Focus on the Ingwe Option 2026):

On Ingwe every child is charged for. Members below the top band must prove their income.

The other options: 2026 contributions by family size

Momentum prints its rates by family, not per person. From the scheme's 2026 option pages (Evolve, Custom, Incentive, Extender, Summit); on these options at most three children are charged:

The Extender figures match the scheme's 2026 Extender member guide. Incentive pays 10% of the contribution into a savings account and Extender 25%; Evolve and Custom have no savings account but an optional HealthSaver+; Summit has insured day-to-day benefits.

"Associated" hospitals and providers are the scheme's own lists: a cheaper combination works only if your hospital and pharmacy are on them. Whatever the choice, PMBs are paid in full at the designated providers: Prescribed Minimum Benefits.

Momentum in 2027

The scheme states that its "2027 benefit and contribution amendments have been submitted to the Council for Medical Schemes and are subject to approval by the Registrar"; the Ingwe income bands move (for example the first band to R1,600) (2027 summary). It publishes no average percentage on its own pages yet.

Joining and claiming

Get a quote online, ask for a call-back or go through a healthcare adviser; as an open scheme it may not refuse you, only apply the waiting periods of section 29A (membership; rules on medical aid in South Africa).

Claims: [email protected] or the Momentum app. Member call centre (call or WhatsApp) 0860 117 859, [email protected] (contact).

Complaints

1. Complain to Momentum Medical Scheme first, in writing, and keep the reference number: call 0860 11 78 59 or e-mail [email protected] and ask for escalation; then write to the Principal Officer, ask a Board committee to review, and ask for the Disputes Committee (toll-free complaints number 0800 20 40 70) (complaints and disputes policy).
2. If the answer does not settle it, use the scheme's internal dispute process (the scheme's rules require one, s 29(1)(j) of the Medical Schemes Act).
3. Then complain to the Council for Medical Schemes: e-mail [email protected] with the CMS complaint form, the scheme's reply and your accounts (CMS complaints procedure). Under section 47 the scheme has 30 days to answer the CMS; a ruling can be appealed within 3 months (s 48). How it works: Council for Medical Schemes.

Sources

1. Momentum — Focus on the Ingwe Option 2026: contributions table (scheme's own help site, seen 31 October 2026)
2. Momentum — Focus on the Evolve Option 2026: contributions table (scheme's own help site, seen 31 October 2026)
3. Momentum — Focus on the Custom Option 2026: contributions table (scheme's own help site, seen 31 October 2026)
4. Momentum — Focus on the Incentive Option 2026: contributions table (scheme's own help site, seen 31 October 2026)
5. Momentum — Focus on the Extender Option 2026: contributions table (scheme's own help site, seen 31 October 2026)
6. Momentum — Focus on the Summit Option 2026: contributions table (scheme's own help site, seen 31 October 2026)
7. Momentum Medical Scheme — home page: open scheme, registration 1167, beneficiaries, proposed amalgamation with Suremed Health (scheme's own site, seen 31 October 2026)
8. Momentum — Focus on average contribution increase 2026: 9.9% weighted average from 1 January 2026
9. Momentum — Summary of Momentum Medical Scheme changes for 2027 (submitted to the CMS, subject to approval)
10. Momentum Medical Scheme — Extender Option 2026 member guide, p. 2 (Web Archive copy of 17 October 2026; same figures as the help site)
11. Momentum Medical Scheme — Membership: complaints and disputes policy (seen 31 October 2026)
12. Momentum Medical Scheme — Contact: member call centre, claims e-mail (seen 31 October 2026)
13. Council for Medical Schemes — Annual Report 2025/26 (copy tabled in Parliament, hosted by PMG): register of medical schemes at 31 March 2026, solvency, complaints
14. Council for Medical Schemes — Medical Schemes Act 131 of 1998 and Regulations (consolidated copy, Web Archive)
15. Council for Medical Schemes — The Complaints Procedure (Web Archive)