Momentum:
All the 2025 medical aid plans

Table of Contents:

Evolve

Momentum Evolve:

Main Adult Child
2025 cost: R 1,847 R 1,847 R 1,847
Day-to-Day Benefit:
Savings: None None None
Main Adult Child
2026 cost: R 2,029 R 2,029 R 2,029
Day-to-Day Benefit:
Savings: None None None
Hospital Choice: Network
Child rates: Child rates for Under 21yrs ; Only pay for 3 children
View all benefits for this plan
.

Incentive

Momentum Incentive (Any provider for chronic):

Main Adult Child
2025 cost: R 5,457 R 4,434 R 2,128
Day-to-Day Benefit:
Savings: R 6,552 R 5,316 R 2,556
Main Adult Child
2026 cost: R 6,030 R 4,900 R 2,351
Day-to-Day Benefit:
Savings: R 7,236 R 5,880 R 2,820
Hospital Choice: Unlimited
Child rates: Child rates for Under 21yrs ; Only pay for 3 children
View all benefits for this plan
.

Momentum Incentive (Network provider for chronic):

Main Adult Child
2025 cost: R 4,686 R 3,757 R 1,841
Day-to-Day Benefit:
Savings: R 5,628 R 4,512 R 2,208
Main Adult Child
2026 cost: R 5,149 R 4,128 R 2,023
Day-to-Day Benefit:
Savings: R 6,180 R 4,956 R 2,424
Hospital Choice: Unlimited
Child rates: Child rates for Under 21yrs ; Only pay for 3 children
View all benefits for this plan
.

Momentum Incentive (State provider for chronic):

Main Adult Child
2025 cost: R 3,801 R 2,994 R 1503
Day-to-Day Benefit:
Savings: R 4,560 R 3,588 R 1,800
Main Adult Child
2026 cost: R 4,179 R 3,292 R 1652
Day-to-Day Benefit:
Savings: R 5,016 R 3,948 R 1,980
Hospital Choice: Unlimited
Child rates: Child rates for Under 21yrs ; Only pay for 3 children
View all benefits for this plan
.

Momentum Incentive Network (and any provider for chronic):

Main Adult Child
2025 cost: R 4,827 R 3,884 R 1,803
Day-to-Day Benefit:
Savings: R 5,796 R 4,656 R 2,160
Main Adult Child
2026 cost: R 5,333 R 4,292 R 1,993
Day-to-Day Benefit:
Savings: R 6,396 R 5,148 R 2,388
Hospital Choice: Network
Child rates: Child rates for Under 21yrs ; Only pay for 3 children
View all benefits for this plan
.

Momentum Incentive Network (and Network provider for chronic):

Main Adult Child
2025 cost: R 4,306 R 3,424 R 1,636
Day-to-Day Benefit:
Savings: R 5,172 R 4,104 R 1,968
Main Adult Child
2026 cost: R 4,731 R 3,762 R 1,797
Day-to-Day Benefit:
Savings: R 5,676 R 4,512 R 2,160
Hospital Choice: Network
Child rates: Child rates for Under 21yrs ; Only pay for 3 children
View all benefits for this plan
.

Momentum Incentive Network (and State provider for chronic):

Main Adult Child
2025 cost: R 3,060 R 2,414 R 1,174
Day-to-Day Benefit:
Savings: R 3,672 R 2,892 R 1,404
Main Adult Child
2026 cost: R 3,362 R 2,653 R 1,290
Day-to-Day Benefit:
Savings: R 4,032 R 3,180 R 1,548
Hospital Choice: Network
Child rates: Child rates for Under 21yrs ; Only pay for 3 children
View all benefits for this plan
.

Custom

Momentum Custom (Any provider for chronic):

Main Adult Child
2025 cost: R 4,047 R 3,248 R 1,444
Day-to-Day Benefit:
Savings: None None None
Main Adult Child
2026 cost: R 4,472 R 3,589 R 1,596
Day-to-Day Benefit:
Savings: None None None
Hospital Choice: Unlimited
Child rates: Child rates for Under 21yrs ; Only pay for 3 children
View all benefits for this plan
.

Momentum Custom (Network provider for chronic):

Main Adult Child
2025 cost: R 3,596 R 2,810 R 1,307
Day-to-Day Benefit:
Savings: None None None
Main Adult Child
2026 cost: R 3,953 R 3,089 R 1,437
Day-to-Day Benefit:
Savings: None None None
Hospital Choice: Unlimited
Child rates: Child rates for Under 21yrs ; Only pay for 3 children
View all benefits for this plan
.

Momentum Custom (State provider for chronic):

Main Adult Child
2025 cost: R 2,997 R 2,262 R 1098
Day-to-Day Benefit:
Savings: None None None
Main Adult Child
2026 cost: R 3,295 R 2,487 R 1207
Day-to-Day Benefit:
Savings: None None None
Hospital Choice: Unlimited
Child rates: Child rates for Under 21yrs ; Only pay for 3 children
View all benefits for this plan
.

Momentum Custom Network(and any provider for chronic):

Main Adult Child
2025 cost: R 3,393 R 2,677 R 1,196
Day-to-Day Benefit:
Savings: None None None
Main Adult Child
2026 cost: R 3,749 R 2,958 R 1,322
Day-to-Day Benefit:
Savings: None None None
Hospital Choice: Network
Child rates: Child rates for Under 21yrs ; Only pay for 3 children
View all benefits for this plan
.

Momentum Custom Network (and Network provider for chronic):

Main Adult Child
2025 cost: R 3,033 R 2,352 R 1072
Day-to-Day Benefit:
Savings: None None None
Main Adult Child
2026 cost: R 3,334 R 2,586 R 1178
Day-to-Day Benefit:
Savings: None None None
Hospital Choice: Network
Child rates: Child rates for Under 21yrs ; Only pay for 3 children
View all benefits for this plan
.

Momentum Custom Network (and State provider for chronic):

Main Adult Child
2025 cost: R 2,353 R 1,780 R 834
Day-to-Day Benefit:
Savings: None None None
Main Adult Child
2026 cost: R 2,585 R 1,956 R 916
Day-to-Day Benefit:
Savings: None None None
Hospital Choice: Network
Child rates: Child rates for Under 21yrs ; Only pay for 3 children
View all benefits for this plan
.

Extender

Momentum Extender (Any provider for chronic):

Main Adult Child
2025 cost: R 10,381 R 8,361 R 2,977
Day-to-Day Benefit:
Savings: R 31,143 R 25,083 R 8,931
SPG*: R 2,257 R 3,917 R 669
Main Adult Child
2026 cost: R 11,472 R 9,240 R 3,291
Day-to-Day Benefit:
Savings: R 34,416 R 27,720 R 9,873
SPG*: R 2,484 R 4,280 R 727
Hospital Choice: Unlimited
Child rates: Child rates for Under 21yrs ; Only pay for 3 children
*SPG: Self Payment Gap. The least amount you can expect to pay out of pocket before ATB kicks in (see below). More info .
*ATB: Above Threshold Benefit = extra amount scheme will pay for out of hospital claims once you've paid the Self Payment Gap. More info .
View all benefits for this plan
.

Momentum Extender (Network provider for chronic):

Main Adult Child
2025 cost: R 9,160 R 7,377 R 2,635
Day-to-Day Benefit:
Savings: R 27,480 R 22,131 R 7,905
SPG*: R 5,920 R 6,869 R 1,695
Main Adult Child
2026 cost: R 10,079 R 8,117 R 2,899
Day-to-Day Benefit:
Savings: R 30,240 R 24,348 R 8,700
SPG*: R 6,660 R 7,652 R 1,900
Hospital Choice: Unlimited
Child rates: Child rates for Under 21yrs ; Only pay for 3 children
*SPG: Self Payment Gap. The least amount you can expect to pay out of pocket before ATB kicks in (see below). More info .
*ATB: Above Threshold Benefit = extra amount scheme will pay for out of hospital claims once you've paid the Self Payment Gap. More info .
View all benefits for this plan
.

Momentum Extender (State provider for chronic):

Main Adult Child
2025 cost: R 8,196 R 6,727 R 2,405
Day-to-Day Benefit:
Savings: R 24,588 R 20,181 R 7,215
SPG*: R 8,812 R 8,819 R 2,385
Main Adult Child
2026 cost: R 9,017 R 7,401 R 2,647
Day-to-Day Benefit:
Savings: R 27,048 R 22,200 R 7,944
SPG*: R 9,852 R 9,800 R 2,656
Hospital Choice: Unlimited
Child rates: Child rates for Under 21yrs ; Only pay for 3 children
*SPG: Self Payment Gap. The least amount you can expect to pay out of pocket before ATB kicks in (see below). More info .
*ATB: Above Threshold Benefit = extra amount scheme will pay for out of hospital claims once you've paid the Self Payment Gap. More info .
View all benefits for this plan
.

Momentum Extender Network (and any provider for chronic):

Main Adult Child
2025 cost: R 9,129 R 7,353 R 2,584
Day-to-Day Benefit:
Savings: R 27,387 R 22,059 R 7,752
SPG*: R 6,013 R 6,941 R 1,848
Main Adult Child
2026 cost: R 10,088 R 8,125 R 2,856
Day-to-Day Benefit:
Savings: R 30,264 R 24,372 R 8,568
SPG*: R 6,636 R 7,628 R 2,032
Hospital Choice: Network
Child rates: Child rates for Under 21yrs ; Only pay for 3 children
*SPG: Self Payment Gap. The least amount you can expect to pay out of pocket before ATB kicks in (see below). More info .
*ATB: Above Threshold Benefit = extra amount scheme will pay for out of hospital claims once you've paid the Self Payment Gap. More info .
View all benefits for this plan
.

Momentum Extender Network (and Network provider for chronic):

Main Adult Child
2025 cost: R 8,253 R 6,643 R 2,373
Day-to-Day Benefit:
Savings: R 24,759 R 19,929 R 7,119
SPG*: R 8,641 R 9,071 R 2,481
Main Adult Child
2026 cost: R 9,081 R 7,309 R 2,612
Day-to-Day Benefit:
Savings: R 27,240 R 21,924 R 7,836
SPG*: R 9,660 R 10,076 R 2,764
Hospital Choice: Network
Child rates: Child rates for Under 21yrs ; Only pay for 3 children
*SPG: Self Payment Gap. The least amount you can expect to pay out of pocket before ATB kicks in (see below). More info .
*ATB: Above Threshold Benefit = extra amount scheme will pay for out of hospital claims once you've paid the Self Payment Gap. More info .
View all benefits for this plan
.

Momentum Extender Network (and State provider for chronic):

Main Adult Child
2025 cost: R 7,215 R 5,472 R 2,121
Day-to-Day Benefit:
Savings: R 21,645 R 16,416 R 6,363
SPG*: R 11,755 R 12,584 R 3,237
Main Adult Child
2026 cost: R 7,939 R 6,021 R 2,335
Day-to-Day Benefit:
Savings: R 23,820 R 18,060 R 7,008
SPG*: R 13,080 R 13,940 R 3,592
Hospital Choice: Network
Child rates: Child rates for Under 21yrs ; Only pay for 3 children
*SPG: Self Payment Gap. The least amount you can expect to pay out of pocket before ATB kicks in (see below). More info .
*ATB: Above Threshold Benefit = extra amount scheme will pay for out of hospital claims once you've paid the Self Payment Gap. More info .
View all benefits for this plan
.

Summit

Momentum Summit:

Main Adult Child
2025 cost: R 14,903 R 11,919 R 3,424
Day-to-Day Benefit:
Savings: None None None
Fund: R31,300 R31,300 R31,300
Main Adult Child
2026 cost: R 16,469 R 13,075 R 3,756
Day-to-Day Benefit:
Savings: None None None
Fund: R31,300 R31,300 R31,300
Hospital Choice: Unlimited
Child rates: Child rates for Under 21yrs ; Only pay for 3 children
View all benefits for this plan
.

Capitated Plans, by price

Below is a list of this scheme's capitated medical aid plans. With these plans, the less you make the less you pay for your medical aid. The benefits stay the same for all the income levels, only the price changes. We list all the capitated plans and explain them in more detail here.

Income Bracket: Main: Adult: Child:
Ingwe A R0-R1500 R 589 R 589 R 589
Ingwe B R1,500-R9,000 R 1,684 R 1,684 R 668
Ingwe C R9,001-R11,950 R 2,355 R 2,355 R 712
Ingwe Connect A R0-R1500 R 589 R 589 R 589
Ingwe Connect B R1,500-R9,000 R 1,143 R 1,143 R 299
Ingwe Connect C R9,001-R11,950 R 1,492 R 1,492 R 372
Ingwe Connect D R11,951-R17,000 R 1,609 R 1,609 R 400
Ingwe Connect E R17,001-R22,400 R 2,620 R 2,620 R 595
Ingwe D R11,951-R17,000 R 3,208 R 3,208 R 748
Ingwe E R17,001-R22,400 R 4,117 R 4,117 R 1,195
Ingwe F R22,402+ R 4,134 R 4134 R 1199
Ingwe Network A R0-R1500 R 589 R 589 R 589
Ingwe Network B R1,500-R9,000 R 1,296 R 1,296 R 593
Ingwe Network C R9,001-R11,950 R 1,650 R 1,650 R 618
Ingwe Network D R11,951-R17,000 R 2,266 R 2,266 R 667
Ingwe Network E R17,001-R22,400 R 3,252 R 3,252 R 958
Ingwe Network F R22,402+ R 3,265 R 3265 R 962
Ingwe State F R22,402+ R 3,014 R 3,014 R 685
.

Network Hospitals

Some plans require you to use Network (Associate) hospitals for admissions. You can find a list of these networks here:
Evolve plan
Incentive plans
Custom plans
Extender plans
Ingwe plans

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What does a “PMBs only” restriction mean?
In this case, the scheme will only pay for diagnosis, treatment and management of a claim for one of 270 pre-defined conditions (PMBs). Read more, and see full list of PMB conditions. 

What does “From Risk” mean?
The scheme will pay for this claim from its own funds, not from your savings or other day-to-day benefits. 

What is a DSP?
A Designated Service Provider. The scheme has a network of providers, and will often only pay claims in full if you use a DSP. If you choose another provider, you might have a co-payment, or even no cover. 

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