Choosing an entry level medical aid
Starting out? We’ve got a medical aid plan just for you!
Whether you’re a student or earning your first salary, our Ingwe option makes quality healthcare simple and affordable. You’ll get hospital cover, day-to-day benefits, and chronic illness care when you use our network providers – so you can focus on your studies, your career, and your life, knowing your health is in good hands.
- Affordable access to entry-level cover
- Hospitalisation cover from Any hospital, the Ingwe Network of private hospitals, or State hospitals.
- Your contribution is based on your income and family composition.
Medical aid resources
Helpful guides and articles to help you understand your cover and make informed choices.
Not ready to speak to our experts?
No problem. Here’s an informative brochure that’ll give you all the information you need!
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Bloom Ingwe medical aid benefits
Benefits apply through your chosen network. Pre-authorisation applies.
Day to Day Benefits
You need to contact us for authorisation before making use of your Major Medical Benefits. For some conditions like diabetes you will need to register on a Health Management Programme. The Scheme will pay benefits in line with the Scheme Rules and the clinical protocols that the Scheme has established for the treatment of each condition
Hospital Choice
Connect Network hospitals, Ingwe Network hospitals or Any hospital
Hospitalisation
Benefit
Associated specialists covered in full
Other specialists covered up to 100% of the 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
If you choose Connect Network hospitals, you need to obtain your oncology treatment from an oncologist authorised by the Scheme, and benefits are limited to Prescribed Minimum Benefits at Connect Network hospitals. If you choose Ingwe Network hospitals or Any hospital, benefits are limited to Prescribed Minimum Benefits at State facilities
Organ transplants
If you choose Connect Network hospitals, benefits are limited to Prescribed Minimum Benefits at Connect Network hospitals. If you choose Ingwe Network hospitals or Any hospital, benefits are limited to Prescribed Minimum Benefits at State facilities
MRI and CT scans, magnetic resonance cholangiopancreatography (MRCP), whole body radioisotope and PET scans (in- and out-of-hospital)
If you choose Connect Network hospitals, MRI and CT scans are limited to Prescribed Minimum Benefits at Connect Network hospitals and other specialised scans are subject to Prescribed Minimum Benefits at State facilities. If you choose Ingwe Network hospitals or Any hospital, all scans are limited to Prescribed Minimum Benefits at State facilities
Mental health
– incl. psychiatry and psychology
– drug and alcohol rehabilitation
Limited to Prescribed Minimum Benefits at State facilities
Medical rehabilitation and step-down facilities
R17 500 per beneficiary (combined limit), subject to case management
Take-home medication
7 days’ supply
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
The Chronic Benefit covers certain life-threatening conditions that need ongoing treatment. The Chronic Benefit includes cover for the 26 Chronic Disease List (CDL) conditions, which form part of the Prescribed Minimum Benefits (PMBs). Chronic benefits are subject to registration and approval.
Network
Medical management including doctor, pharmacy, blood tests, x-rays, etc Ingwe Primary Care Network providers**, Ingwe Active Network providers** or State facilities
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.
You have the choice of adding more day-to-day cover through the HealthSaver+.
Network
Ingwe Primary Care Network providers**, Ingwe Active Network providers** or State facilities
Benefit
General practitioners
There is no limit to the number of times you visit your network GP. However, please note all visits from the 11th visit onwards must be pre-authorised
Optical and optometry (excl. contact lenses and refractive eye surgery)
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
Dentistry – specialised (such as bridges or crowns)
Not covered
Prescribed Medicine
Subject to a list of medicine, referred to as a prescribed formulary
Mental health
Limited to Prescribed Minimum Benefits at State facilities
Specialist visits
2 visits per family per year, limited to R1 425 per visit and up to a maximum of R2 850 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
Add Additional Products
+ If you would like cover for additional day-to-day expenses, you can make use of the Momentum HealthSaver+
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.
Health Platform Benefits
The Ingwe Option provides affordable access to entry-level cover. 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.
Network provider
Health Platform Benefits are only available from your chosen Primary Care Network provider, except for health assessments, maternity programme benefits and baby immunisations, up to R2 950 in baby’s first year, which are available at any healthcare provider.
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
Maternity programme
Antenatal visits (Midwives, GP* or gynaecologist)
Nurse home visit
Urine tests (dipstick)
Pathology tests:
Blood group, full blood count and Rhesus factor)
Haemoglobin estimation
Urinalysis
Urine tests (microscopic exams, antibiotic susceptibility and culture)
Paediatrician visits
Early detection tests
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 (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)
General physical examination (GP* consultation)
Prostate specific antigen (pathologist)
Cholesterol test (pathologist)**
Blood sugar test (pathologist)***
HIV test (pathologist)
Health line
24-hour emergency health advice
See Our Medical Aid Options
Evolve Option
From R2083 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 R2639 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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