We cover the full spectrum of healthcare expenses
Momentum Health is a comprehensive medical scheme, which covers the full spectrum of healthcare needs through six options.
Our benefit design philosophy focuses on:

• offering good value for money
• providing consumer-directed care within a comprehensive range of options to ensure appropriate benefits for healthcare needs


• flexibility with minimum complexity


• efficient and cost-effective administration


• anticipating legislative and regulatory changes.

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We focus on consumer-directed care
Momentum Health has negotiated with various providers (i.e. hospitals and pharmacies), which further enhances the flexibility for members. This also means that members can receive a direct discount on their monthly contributions depending on their choice of provider.

Our offering includes unique benefits

• Momentum Health pays for 7 days’ take-home medication on discharge from hospital from the Major Medical Benefit.


• 50 Specialised Procedures are included in the Major Medical Benefit on the Custom, Incentive, Extender and Summit Options. There are 19 procedures covered on the Base and Access Options.


• MRI and CT scans are paid from the Major Medical Benefit on the Custom, Incentive, Extender and Summit Options (co-payments apply). There is no limit for this benefit.


• International cover while travelling abroad on the Custom, Incentive, Extender and Summit Options – R5 m for hospital emergencies per beneficiary per 90-day journey (including


• R10 000 for dentistry and R10 000 for optometry), and R500 000 terrorism cover. A R1 000 co-payment applies to all out-patient claims.

Our Health Platform helps you to detect illnesses early and saves you money
The following benefits are paid from the risk benefit and do not deplete your day-to-day cover (subject to pre-notification):

• Baby immunisations – all compulsory vaccinations required by the Department of Health are paid from the Health Platform for babies under the age of 5 years.


• Early detection tests – procedures such as pap smears, mammograms, DEXA scans, prostate tests, cholesterol tests and blood sugar tests. Medical examinations based on the member's age are also included.


• Dental examinations – all members of the family are entitled to one dental examination per year.


• Maternity programme – up to 12 antenatal visits, 2 pregnancy scans, as well as 2 paediatric visits in the child's first year.


• Disease management programmes – conditions such as Diabetes, Hypertension, HIV/Aids, Oncology, Chronic Renal Failure, and Organ transplants can be effectively managed through various programmes that have been put in place to assist members with these conditions.

We have a range of complementary products
The following complementary products are available to Momentum Health members:

• Global Care – members planning to work abroad for extended periods can apply for Global Care, which entitles them to private healthcare anywhere in the world.


• Health Waiver – in the event of death, functional impairment or critical illness of the principal member and/or spouse, Momentum will waive the member’s medical scheme contribution for either a 5 or 10-year period. The Health Waiver is fully transportable to any medical scheme.


• Health Funder – this product assists clients in making dedicated provision for their post-retirement healthcare costs via a retirement annuity or investment plan.


• Health Saver – this is an alternative Savings vehicle offered by Momentum, which empowers individuals to make provision for additional out-of-pocket expenses they might incur. Health Saver funds may be used to pay for any healthcare-related expenses charged by a registered healthcare provider.


• Save thru spend – this is a rewards programme which offers reimbursements from a wide range of partners into a Momentum client’s selected savings product. Members can turn ordinary expenses into extraordinary savings, simply by spending on the everyday goods and services they normally would.


• Multiply – this is a lifestyle programme which offers a combination of rewards in the form of reimbursements and discounts. Members are inspired to live a more balanced life by earning lifestyle points and progressing through the five status levels. More than 40 partners are offered in health, travel, leisure and finance categories.

We have efficient administration
Momentum Medical Scheme Administrators has the ability to offer a full range of customised healthcare products and integrated administration through our robust systems. Clients benefit from our medical scheme expertise and have access to a range of complementary products.

We are in a healthy financial position
Momentum Health’s reserve level as at 31 December 2006 was 26.7%, which exceeds the required reserve level of 25%. Our Global Credit Rating has remained at A+. This means that an independent, world-class evaluator has confirmed that we have long-term sustainability and are able to pay all valid claims.

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