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    Your affordable path to comprehensive medical insurance in South Africa

    Introducing Health4Me – Affordable Private Health Insurance in South Africa

    We’re proud to offer you Health4Me, an affordable health insurance solution. In partnership with Momentum, we bring you three health insurance plans designed to cater to the needs of both individuals and families.

    Health4Me provides outstanding value for your money and grants you access to private healthcare services in South Africa. With an extensive network of expert medical providers at your fingertips, you can rest assured that your health is in capable hands.

    Discover the peace of mind of having reliable health insurance in South Africa. Explore Health4Me today and take the first step towards safeguarding your health and that of your loved ones. Your well-being is our priority.

    We understand that one size doesn’t fit all when it comes to health insurance. That’s why we proudly present our range of health insurance plans under Momentum’s Health4Me cover. With three distinct options to choose from, you have the flexibility to select the plan that best suits your needs and preferences.

    Health4Me Bronze: Our most standard and budget-friendly plan offers essential coverage to meet your basic healthcare needs.
    Health4Me Silver: Looking for a balance between comprehensive coverage and affordability? The Silver plan might be the perfect fit for you, offering a broader range of benefits at a slightly higher premium.
    Health4Me Gold: If you desire top-tier coverage with the most extensive benefits, our Gold plan is the premium option you’ve been searching for.

    With Health4Me, you can rest assured that you’re covered for a wide range of healthcare needs, ensuring you and your loved ones receive the care you deserve. Explore our Health4Me products below to learn more about the specific benefits of each plan and find the ideal fit for your budget and peace of mind.

    Our Health Insurance Options


    From R570 P/M

    Our entry-level option is designed to cover day-to-day needs and includes unlimited GP visits, acute medication, maternity benefits and more.


    From R610 P/M

    Our balanced option covers the essentials as well as additional benefits such as maternity benefits, dentistry, optometry and more.


    From R658 P/M

    Our most comprehensive option covers all the benefits offered on the Bronze and Silver options, plus specialist visits.

    Frequently Asked Questions

    What is the difference between health insurance and medical aid

    The main difference between health insurance and medical aid is that medical insurance plans cover a list of preselected benefits with a monetary value attached to each. A medical aid scheme charges members a monthly premium for standardised minimum medical aid benefits. Please visit our article to learn more:
    Medical Insurance vs Medical Aid: What’s the difference?

    How do I qualify for health insurance?

    If you’re over the age of 18 and earn less than R40,000 per month but more than R8,000 per month, you will be eligible for health insurance.

    What is the waiting period?

    The waiting period depends on the products you are covered for. That means each product can apply a different waiting period. There is a general waiting period of 3 months for some benefits. GP visits and medication prescribed by GPs do not attract any waiting periods.

    When will my cover start?

    The start date of your cover (known as your inception date) always starts on the first of the month, and is up to you. Our advice is to plan ahead and choose an inception date that will cover you when you need it, or will make sure you do not have a break in cover (if you are moving to us from another provider).

    Can I visit any medical professional, like a GP, dentist, or optometrist, with Health4Me?

    We encourage you to consider the cost benefits of using a Momentum CareCross Network GP, dentist, or optometrist. These healthcare professionals are part of a trusted network dedicated to providing you with exceptional care. To discover the Network providers closest to you, reach out to us at 0860 10 29 03 or explore the following lists:

    When you visit a Network GP, dentist, or optometrist, feel free to inquire about your cover to ensure that your required treatments are included in your plan.

    Are hospital emergencies covered?

    Yes, Health4Me health insurance covers accidents and emergencies, which includes transportation, stabilisation and treatment in case of an accident that requires emergency medical treatment. Please note that emergencies covered on Health4Me include accidents, heart attacks, and strokes.

    Your journey to quality healthcare starts here.

    Health Insurance

    Health4Me Bronze

    Health4Me Silver

    Health4Me Gold

    Gap Cover

    Gap Core

    Gap Max


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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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