Momentum Medical Aid is one of the oldest,
biggest and most respected medical schemes in South Africa. Their plans are easy to understand and the language
used is straight forward.
The Momentum scheme is unique in the sense
that it also offers members incentives to lead healthier lives and that they reward their members with cash
paybacks when they do not submit claims for a specified period.
What hospital plans are
Momentum medical scheme offers three distinct
hospital plans. These plans are designed to suit the specific needs and budget of well-defined target groups. The
company believes that everybody can afford some measure of hospital cover. Here are some details regarding each of
1. The Ingwe Plan. This is a
basic and straight forward hospital plan that are meant for those who cannot afford comprehensive cover or that are
young, healthy and fit but that nevertheless need to be covered in case of accidents or emergencies. The plan
requires members to make use of service providers that are part of the Ingwe network. If members choose to see a
service provider that is not part of the network they may be liable for the cost of treatment. The plan covers
nineteen specialized procedures although there is a limit of nine hundred and fifty rand per family per year. The
plan also includes treatment and medication for certain chronic conditions.
2. The Access Plan. This plan
also offer members full cover for hospitalization but members must use the hospitals that are part of the Access
network. There is no annual limit with this plan and members are covered for the management of chronic diseases.
Members must obtain prior approval from the scheme before being hospitalized, except in cases of emergency. The
plan furthermore allows members access to health education programs, round-the-clock medical advice and it offers
full maternity benefits.
3. The Custom Plan. This
plan offers unlimited hospitalization benefits at affordable premiums. Members can choose the hospital of their
choice, but they receive a discount if they opt for a hospital that form part of the Momentum network. The same
principle is valid for consultations with medical practitioners and the purchase of medicines at pharmacies: using
the approved network of service providers result in a discount.
Some unique benefits offered by
Most medical aids try to offer their members
unique benefits not offered by any other scheme. Momentum offer their members two distinct benefits:
1. The HealthReturns Program.
This program makes provision for paying members cash back if they comply with certain criteria. Members can receive
up to five thousand four hundred rand per year as rewards. In terms of the program members can also earn free
doctor’s visits and increased day-to-day medical cover. The program also features the Multiply
Wellness Program that allow members to increase the benefits received under the HealthReturns
2. The HealthPlatform Program.
This program is aimed at helping members to lead healthier lifestyles. It offers free check-ups once a year, a
variety of maternity benefits and a range of diagnostic tests meant to lead to the early diagnosis of illnesses.
The program also offer members discounts at various other service providers, including gymnasium membership and
some health food shops. Members can also opt for the HealthWaiver Program that will ensure that health cover will
continue if the principal member dies or becomes permanently disabled.
The Momentum Medical Aid aim to offer their members the best possible care if they need
hospitalization. Their various programs and plans are designed to help members make provision for their individual
needs. © Medical Aid