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    We’ve partnered with Momentum to offer our members affordable medical aid solutions for the South African market. There are three medical aid cover plans available and each plan provides a wide range of in-and-out of hospital benefits.

     

     

    Ingwe
    Option
    Evolve
    Option
    Custom
    Option
    In-hospital Benefit
    Hospitalisation

    There is no overall annual limit for hospitalisation. For your hospitalisation cover, you can choose to use either the Connect Network of private hospitals, the Ingwe Network of private hospitals, or Any hospital.

    he Evolve Option provides cover for hospitalisation at the Evolve Network of private hospitals.

    There is no overall annual
    limit for hospitalisation.

    A co-payment of R1 920 per authorisation applies to Major Medical Benefits including for non-emergency Prescribed Minimum Benefits, except for motor vehicle accidents, maternity confinements, emergency treatment and when you involuntarily use a non-designated Service Provider.

    An additional co-payment may apply for certain specialised procedures

    The Custom Option provides cover for hospitalisation at
    private hospitals. There is no overall annual limit for hospitalisation.

    You can choose to have access to any hospital or you can choose to save on
    your monthly contribution by selecting to use a specific list of private hospitals.

    A co-payment of R1 920 per authorisation applies to Major Medical Benefits including for non- emergency Prescribed Minimum Benefits, except for motor vehicle accidents, maternity confinements, emergency treatment and when you involuntarily use a non-designated Service Provider.

    Hospital provider

    Connect Network hospitals, Ingwe Network hospitals or Any hospital

    Evolve Network hospitals
    Certain procedures are only covered in day hospitals

    Any or Associated hospitals.
    Health Platform Benefit
    Emergency Cover
    Emergency evacuation in South Africa by Netcare 911. International emergency cover is not available on
    this option.

    R5 000 000 per beneficiary per 90-day journey. This benefit includes R15 500 for emergency optometry, R15 500 for emergency dentistry and R765 000 terrorism cover.
    A R2 180 co-payment applies per emergency out-patient claim

    R7 660 000 per beneficiary per 90-day journey. This benefit includes R15 500 for emergency optometry, R15 500 for emergency dentistry and R765 000 terrorism cover
    A R2 180 co-payment applies per emergency out-patient claim

    Preventative and early detection tests

    Baby immunisations
    (baby immunisations are covered in private facilities for baby’s first year, limited to R2 950. Once the limit is reached, immunisations are available at the Department of Health baby clinics)

    Flu vaccines Tetanus diphtheria injection

    Preventative dental care

    Pap smear consultation (nurse or GP) Pap smear (pathologist)
    – Standard or LBC (Liquid Based Cytology) or – HPV PCR screening test
    (If result indicates high risk, then a follow-up LBC is also covered)
    General physical examination (GP consultation)

    Prostate specific antigen (pathologist)

    Health assessment available: blood pressure test, cholesterol and blood
    sugar (finger prick tests), height, weight and waist circumference
    measurements
    Cholesterol test (pathologist)*

    Blood sugar test (pathologist)**

    HIV test (pathologist)

    Baby immunisations, Flu vaccines, Tetanus diphtheria injection, Pneumococcal vaccine.

    Dental consultation

    Pap smear consultation (nurse, GP or gynaecologist)

    Pap smear (pathologist)

    – Standard or LBC (Liquid Based Cytology) or – HPV PCR screening test (If result indicates high risk, then a follow-up LBC is also covered)

    Mammogram

    DEXA bone density scan (radiologist, GP or specialist)

    General physical examination (GP consultation)

    Prostate specific antigen (pathologist)

    Health assessment: blood pressure
    test, cholesterol and blood sugar (finger prick tests), height, weight and waist circumference measurements

    Cholesterol test (pathologist)*

    Blood sugar test (pathologist)**

    Glaucoma test HIV test (pathologist)

    Baby immunisations, Flu vaccines, Tetanus diphtheria injection, Pneumococcal vaccine

    Dental consultation

    Pap smear consultation (nurse, GP or gynaecologist)

    Pap smear (pathologist)
    – Standard or LBC (Liquid based cytology) or – HPV PCR screening test
    (If result indicates high risk, then a follow-up LBC is also covered)

    Mammogram

    DEXA bone density scan (radiologist, GP* or specialist)

    General physical examination (GP* consultation)

    Prostate specific antigen (pathologist)

    Health assessment available: blood
    pressure test, cholesterol and blood sugar (finger prick tests), height, weight and waist
    circumference measurements

    Cholesterol test (pathologist)**

    Blood sugar test (pathologist)***

    Glaucoma test HIV test (pathologist)

    Maternity programme detection tests

    Antenatal visits (Midwives, GP or gynaecologist)

    Urine tests (dipstick)

    Nurse home visit

    Pathology tests
    Blood group, full blood count, Rhesus factor, haemoglobin estimation
    Urinalysis Urine tests (microscopic exams, antibiotic susceptibility and
    culture)

    Scans

    Paediatrician visits

    Doula benefit

    Antenatal visits (Midwives, GP or gynaecologist)

    Nurse home visits

    Pathology tests
    Blood group, full blood count, Rhesus factor, creatinine, glucose strip, haemoglobin
    estimation

    Urinalysis

    Urine tests (microscopic exams, antibiotic susceptibility and culture)

    Urine tests (dipstick)

    Scans

    Paediatrician visits

    Doula benefit

    Antenatal visits (Midwives, GP* or gynaecologist)

    Nurse home visits

    Pathology tests
    Blood group, full blood count, Rhesus factor, creatinine, glucose strip, haemoglobin
    estimation

    Urinalysis

    Urine tests (microscopic exams, antibiotic susceptibility and culture)

    Urine tests (dipstick)

    Scans

    Paediatrician visits

    Day-to-day Benefit
    Savings
    There is no savings built into this option, but you can add HealthSaver+ There is no savings built into this option, but you can add HealthSaver+

    Not applicable. You can choose to add the HealthSaver+

    General practitioners

    There is no limit to the number of times you may visit your network GP. However, please note all visits (whether virtual or in person) from the 11th visit onwards must be pre-authorised.

     

    3 virtual doctor consultations per beneficiary per year from the GP Virtual Consultation Network, which includes Hello Doctor. Consultations include scripting of medication where required

    2 virtual consultations per beneficiary per year from the GP Virtual Consultation Network, which includes Hello Doctor. Consultations include scripting of medication where required. Medication is subject to HealthSaver+, if available

    Subject to HealthSaver+ if available

    Eye care

    1 eye test and 1 pair of clear standard or bi-focal lenses with standard frame as per formulary per beneficiary every 2 years. Spectacles will only be granted if your refraction measurement is more than 0.5

    Subject to HealthSaver+ if available

    Subject to HealthSaver+ if available

    Dentistry

    Examinations, fillings and x-rays as per the list of tariff codes. One dental consultation is covered per year per beneficiary. You need to call us for pre-authorisation if you have more than 4 fillings or 4 extractions

    Subject to HealthSaver+ if available

    Anaesthetist and dental specialist accounts for extraction of impacted wisdom teeth in doctors’ rooms: Covered from Major Medical Benefit at 100% of the Momentum Medical Scheme Rate, subject to R1 920 co-payment and pre-authorisation
    Other specialised dentistry: Subject to HealthSaver
    + if available

    Medicine
    Any prescribed medication from the list of medicine, referred to as the prescribed formulary.

    Subject to HealthSaver+ if available

    Subject to HealthSaver+ if available

    Mental health
    Limited to Prescribed Minimum Benefits at State facilities.

    Limited to Prescribed Minimum Benefits at Evolve Network hospitals

    Subject to HealthSaver+ if available

    Specialist visits

    2 visits per family per year, limited to R1 350 per visit and up to a maximum of R2 700 per family per year. Covered at 100% of Momentum Medical Scheme Rate. Subject to referral and pre-authorisation. Psychologists and psychiatrists are limited to Prescribed Minimum Benefits at State facilities

    Subject to HealthSaver+ if available

    Subject to HealthSaver+ if available

    Day-to-day provider
    Ingwe Primary Care Network or Ingwe Active Network

    Any

    Any
    Chronic Benefit
    Chronic cover
    26 conditions, according to the Chronic Disease List in the Prescribed Minimum Benefits 

    26 conditions, according to the Chronic Disease. List in the Prescribed Minimum Benefits

    26 conditions, according to the Chronic Disease. List in the Prescribed Minimum Benefits 
    Chronic provider

    Ingwe Primary Care Network, Ingwe Active Network or State facilities, unless otherwise indicated

    State Any, Associated or State
    Hello Doctor
    Expert advice from real doctors
    We give you a free subscription to Hello Doctor, where you can seek advice from a doctor, anytime,
    anywhere. Available 365/24/7.
    We give you a free subscription to Hello Doctor, where you can seek advice from a doctor, anytime,
    anywhere. Available 365/24/7.
    We give you a free subscription to Hello Doctor, where you can seek advice from a doctor, anytime,
    anywhere. Available 365/24/7.

    See Our Medical Aid Options

    Ingwe Option

    From R589 P/M

    It’s an affordable, entry-level medical aid plan, but you can still enjoy hospital cover, day-to-day and chronic illness benefits when you use the network providers.

    Terms and Conditions Apply

    Evolve Option

    From R1847 P/M

    For digitally savvy individuals who are looking for affordable hospital cover and virtual GP visits, with the ability to manage their membership from their device in the comfort of their own home.

    Terms and Conditions Apply

    Custom Option

    From R2353 P/M

    The Custom Option is the medical aid plan to choose if you are looking for
    an affordable hospital plan with customisable savings through HealthSaver+ and free preventative screening benefits.

    Terms and Conditions Apply

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    Momentum Health4Me is not a medical scheme product, and is not a substitute for medical scheme membership. The information provided on this website does not constitute advice in terms of the Financial Advisory and Intermediary Services Act. Momentum is a division of Momentum Metropolitan Life Limited, an authorised financial services provider (FSP 6406) and a wholly owned subsidiary of Momentum Metropolitan Holdings Limited.

    Bloom Gap Cover is not a medical Scheme. Products that are offered are not the same as that of a medical scheme.

    © Bloom Financial Services 2023. Bloom Financial Services (Pty) Ltd is an authorised financial services provider (FSP 50140). Bloom Gap is underwritten by Infiniti Insurance Limited a licensed non-life insurer and an authorised financial services provider (FSP No.35914)

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