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    Our Custom medical aid option includes cover for hospitalisation in private hospitals. There is no overall annual limit for hospitalisation.

    The Health Platform Benefit provides cover for a range of day-to-day benefits such as preventative screening tests, certain check-ups and more.

    The Custom Option is the medical aid plan to choose if you are looking for:

    • An affordable hospital plan.
    • Customisable savings through HealthSaver+.
    • Free preventative screening benefits.

    Custom Option

    From R2353 P/M

    Terms and Conditions Apply

    Custom Option

    From R1808 P/M

    Terms and Conditions Apply

    Our Custom medical aid option includes cover for hospitalisation in private hospitals. There is no overall annual limit for hospitalisation.

    The Health Platform Benefit provides cover for a range of day-to-day benefits such as preventative screening tests, certain check-ups and more.

    The Custom Option is the medical aid plan to choose if you are looking for:

    • An affordable hospital plan.
    • Customisable savings through HealthSaver+.
    • Free preventative screening benefits.

    In-hospital Benefits

    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 R2 000 per authorisation applies to Major Medical Benefits, including for nonemergency Prescribed Minimum Benefits, except for motor vehicle accidents, maternity confinements, emergency treatment, and when you involuntarily use a non-designated Service Provider.

    Hospital Choice

    Any or Associated hospitals

    Hospitalisation

    Consultations and visits
    Associated specialists covered in full
    Other specialists covered up to 100% of Momentum Medical Scheme Rate
    Hospital accounts are covered in full at the rate agreed upon with the hospital group
    No overall annual limit applies

    Oncology
    R300 000 per beneficiary per year, thereafter a 20% co-payment applies. Momentum Medical Scheme Reference Pricing will apply to chemotherapy and adjuvant medication

    Organ transplants (recipient)

    No annual limit applies

    MRI and CT scans, magnetic resonance cholangiopancreatography (MRCP), whole body radioisotope and PET scans (in- and out-of-hospital)
    No annual limit applies, subject to R3 850 co-payment per scan and pre-authorisation

    Medical rehabilitation, private nursing, Hospice and step-down facilities
    R67 000 per family (combined limit), subject to case management

    Mental health
    – incl. psychiatry and psychology
    – drug and alcohol rehabilitation

    R47 300 per beneficiary

    Take-home medication
    7 days’ supply

    Specialised Procedures/Treatment

    Certain specialised procedures/treatment covered, when clinically appropriate, in- or out-of-hospital

    Prescribed Minimum Benefits

    (PMB) is a set of defined benefits to ensure that all medical scheme members have access to certain minimum health services, regardless of the benefit option they have selected. The aim is to provide members with continuous care to improve their health and well-being and to make healthcare more affordable.

    Chronic Benefits

    Medical management including doctor, pharmacy, blood tests, x-rays, etc Any (Any GP and any pharmacy), Associated** (Selected preferred GPs and Medipost Courier pharmacy for chronic medication), or State facilities

    Network

    Any: Basic formulary
    Associated: Core formulary
    State: State formulary

    Benefit

    26 conditions – no annual limit applies

    Prescribed Minimum Benefits

    (PMB) is a set of defined benefits to ensure that all medical scheme members have access to certain minimum health services, regardless of the benefit option they have selected. The aim is to provide members with continuous care to improve their health and well-being and to make healthcare more affordable.

    Day-to-day

    This benefit provides for day-to-day medical expenses, such as GP visits and prescribed medication. 

    Savings

    You have the choice of adding more day-to-day cover through the HealthSaver+

    + You may choose to make use of additional products available from Momentum Metropolitan Holdings Limited (Momentum), to seamlessly enhance your medical aid. Momentum is not a medical scheme and is a separate entity to Momentum Medical Scheme.

    The complementary products are not medical scheme benefits. You may be a member of Momentum Medical Scheme without taking any of the complementary products.

    Health Platform Benefits

    The Health Platform Benefit encourages health awareness, enhances quality of life and gives peace of mind through preventative care, early detection and a leading maternity programme.

    Benefit

    Preventative care includes:

    Baby immunisations (On Ingwe Option, baby immunisations are covered in private facilities for baby’s first year, limited to R3 100. Once the limit is reached, immunisations are available at the Department of Health baby clinics

    Flu vaccines

    Tetanus diphtheria injection

    Pneumococcal vaccine

    Early detection tests include:

    Health assessment: Blood pressure test, Cholesterol and Blood sugar (finger prick tests), height, weight and waist circumference All principal members and adult beneficiaries Once a year

    Preventative dental care covered up to R500 per beneficiary at any dental provider

    Pap smear consultation (nurse, GP* or gynaecologist)

    Pap smear (pathologist)

    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

    FIT (Faecal immunochemical testing) test

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

    General physical examination (GP* consultation)

    Prostate specific antigen (pathologist)

    Cholesterol test (pathologist)**

    Blood sugar test (pathologist)***

    Glaucoma test

    HIV test (pathologist)

    Maternity programme

    Doula benefit

    Antenatal visits (Midwives, GP* or gynaecologist)

    Nurse home visit

    Urine tests (dipstick)

    Pathology tests – Blood group, full blood count and Rhesus factor, Creatinine, Glucose strip, Haemoglobin estimation, Urinalysis, Urine tests (microscopic exams, antibiotic susceptibility and culture)

    Scans

    Paediatrician visits

    Health line
    24-hour emergency health advice

    For more information on this option, download the relevant document below.

    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

    Your journey to quality healthcare starts here.

    Health Insurance

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    Health4Me Gold

    Gap Cover

    Gap Core

    Gap Max

    Motor

    Kyalami Option

    Zwartkops Option

    Phakisa Option

    Killarney Option

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    Health Insurance
    Momentum Health4Me is not a medical scheme product and is not a substitute for medical scheme membership.

    Medical Aid
    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.

    Gap Cover
    Bloom Gap Cover is not a medical scheme and is not a substitute for medical scheme membership. Benefits offered are not the same as those of a medical scheme. Bloom Gap Cover is underwritten by Infiniti Insurance Limited, a licensed non-life insurer and authorised financial services provider (FSP 35914).

    Momentum Gap Cover is not a medical scheme and is not a substitute for medical scheme membership. Benefits offered are not the same as those of a medical scheme. Bloom Gap Cover is underwritten by Guardrisk Insurance Company Limited (FSP 5394).

    Mechanical Breakdown Insurance
    Bloom mechanical breakdown insurance is underwritten by New National Assurance Company Limited, a licensed non-life insurer and authorised financial services provider (FSP 2603). Cover is subject to policy terms and conditions.

    The information provided on this website does not constitute financial advice as defined by the Financial Advisory and Intermediary Services (FAIS) Act. © Bloom Financial Services 2026. Bloom Financial Services (Pty) Ltd is an authorised financial services provider (FSP 50140).

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