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Medical Aid Options
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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 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 You can choose to have access to any hospital or you can choose to save on 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 |
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. |
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 |
Preventative and early detection tests | ||
Baby immunisations Flu vaccines Tetanus diphtheria injection Preventative dental care Pap smear consultation (nurse or GP) Pap smear (pathologist) Prostate specific antigen (pathologist) Health assessment available: blood pressure test, cholesterol and blood 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 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) Mammogram DEXA bone density scan (radiologist, GP* or specialist) General physical examination (GP* consultation) Prostate specific antigen (pathologist) Health assessment available: blood 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 Scans Paediatrician visits |
Doula benefit Antenatal visits (Midwives, GP or gynaecologist) Nurse home visits Pathology tests 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 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 |
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
Your journey to quality healthcare starts here.
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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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