Medical Aid Plan - Ingwe from Momentum Health Medical Aid


Ingwe Affordable Medical Aid for Students

Wondering what Ingwe Is? Well, answer the following: 

  • Are you an international student?
  • Are you studying in South Africa?
  • Do you need affordable medical cover?
  • Do you think you may need to see a dentist?
  • How about your eyesight?
  • Will you need to visit an optometrist?

If your answer is yes to any of these questions then you need Momentum’s Ingwe medical aid for students.

This is a product that had been designed specifically to meet your needs.

Ingwe from Momentum HealthWhat you get from Ingwe

From as little as R407 a month, you can begin your academic year in the knowledge that you can have:

  • Access to any private hospital in South Africa
  • Unlimited visits to your GP
  • Dental care
  • Eye care
  • Visits to specialists

Momentum Health pays for student visa X-rays.

What you need to do:

• Visit Momentum’s online page
• Complete and print out the online radiology request form
• Complete and print out the online Department of Home Affairs form
• Visit any South African radiologist and take both forms to the radiologist
• You can email or call 0860 102 493 if you have any queries
*You must be a member of the Ingwe medical scheme plan to qualify for this free X-ray benefit.

Why Momentum Ingwe?

Why Momentum, you may ask.

Well, here’s why.

  • Momentum provides medical aid for more than 32 000 students from other countries who are studying in South Africa.
  • Momentum has been providing this service for more than 29 years.
  • Momentum is a company you can trust.

Students from what countries qualify for Ingwe medical cover?

Most African countries have embraced Momentum’s Ingwe student option.

One of the big PLUS factors for joining this medical aid is that Momentum has on-site campus services.

Being available on-site to students at all of South Africa’s major academic institutions is a massive bonus.

Students have direct access to quality healthcare benefits that ensure their wellbeing throughout their academic studies.

Momentum’s African footprint is deeply entrenched.

International partnerships have been established in the following countries:

  • Botswana
  • Ghana
  • Kenya
  • Lesotho
  • Namibia
  • Swaziland
  • Tanzania

The company has also established partnerships in other African countries, including Zimbabwe.

What is the Ingwe Option?

  1. First and foremost, the Ingwe Option gives you access to ANY private hospital or daycare facility in South Africa.
  2. Secondly, the Ingwe Option gives you UNLIMITED visits to any network GP. Your Ingwe Active Primary Care Network doctor is there to prescribe medicine, blood tests and X-rays.
  3. Thirdly, unlike many other medical schemes, the Ingwe Option gives you access to both dentists and optometrists.
  4. Fourthly, you have access to UNLIMITED NetCare 911 emergency transport.

What is a Network doctor?

Phrases like network doctors, hospitals and specialists get bandied about but how many people actually understand what that means?

It’s simple, really.

Medical schemes all have what they call Network Service Providers (NSPs).

These are doctors, specialists and hospitals that agree to operate as NSPs for specific medical aid companies.

Momentum’s Ingwe medical aid is no different.

Restrict your medical needs to NSPs and you stay within the limitations stipulated in your medical contract.

This will save you money.

What if I don’t want to use a NSP?

You don’t have to use a NSP if you don’t want to.

But you will have to pay the first R100 towards the cost of the consultation.

Also, you are restricted to only one visit per annum.

You will also have to obtain authorisation within three days of the visit.

Ingwe day-to-day benefits

  • Medication
  • Registration for 26 chronic ailments
  • Specialist referrals
  • Mental health care at State facilities limited to Prescribed


Minimum Benefits

  • Blood tests
  • X-rays
  • Dental benefits that include teeth cleaning, fillings and extractions
  • Optometry that includes single and bi-focal lenses and frames
  • Free health assessment including blood pressure, blood sugar and cholesterol tests as well as a Body Mass test

Specialist and physiotherapy treatment

There are NO co-payments for this benefit.

However, the following applies:

  • A R1 000 limit per consultation
  • Pre-authorisation is required

How do I join the Ingwe medical scheme?

To join Momentum Health's Ingwe option you must do the following:

  • Complete an onlineapplication form or
  • Download the application form and submit together with:
    • A copy of your passport
    • Proof of full-time student status
    • Proof of payment
    • Provide a copy of your ID (South African students)
  • Email your documentation to

Direct contact

If you would prefer to speak to someone from Momentum, either send an online message to the Customer Care Centre or telephone 0860 102 493.

What additional benefits are offered?

Some of the additional benefits include:

  1. International travel benefits that cover medical costs for injury or unexpected illness.
  2. Benefits include up to R5 million for emergency medical cover and up to R300 000 for acts of terrorism. A co-payment does apply to this benefit.
  3. A 24/7 “Hello Doctor” helpline.
  4. A Multiply Starter rewards programme that promotes and rewards a healthy lifestyle. Added benefits are discounts and cashbacks from participating partners such as supermarkets, airline and movie theatres.

So many reasons why…


There are so many reasons why students should opt for Momentum’s Ingwe medical aid plan.

As the third largest medical scheme in South Africa, Momentum’s established track record gives policyholders peace of mind.

Students have access to top-quality medical practitioners.
Momentum’s credibility is reinforced by the fact that it has been a registered member of the International Education Association of South Africa (IEASA) for the last 18 years.

It is also registered with the South African Council for Medical Schemes.

Taking care of students’ healthcare needs is what Momentum does best.

It has an experienced team of dedicated staff members who offer great customer service back-up.

Momentum offers a hands-on campus-based student service at education institutions throughout South Africa.

With its reputation for innovative medical products, trustworthiness and service excellence, it’s no wonder that Momentum is the preferred choice among students.

The Ingwe option has been customised as an entry-level medical aid solution for students.

With the main focus on affordability, the Ingwe medical aid plan for students is the logical option.

The Ingwe option is available from Momentum Health but can be augmented with additional benefits.






Medical Aid QuoteNOTES:

Your medical aid quote will include options to suit your pocket. Please ensure that the cover you select is exactly what you need and that you understand exactly what insurance you are buying. Do not hesitate to ask questions about the medical aid or hospital cover you choose.