How does the benefit work?

What must I do if I need emergency medical transport and

No overall annual limit applies. You need to contact us for authorisation for all
Momentum Medical Scheme will pay for your in-hospital expenses, subject to
Scheme Rules and clinical protocols. The Scheme will cover the cost of in-hospital Netcare 911 is Momentum’s Medical Scheme preferred service provider for Membership matters
specialists and related providers, such as radiologists, up to 100% of the Momentum emergency medical transport and you can phone them on 082 911.
in-hospital treatment 48 hours prior to admission. You can request authorisation Medical Scheme Rate. Some service providers charge fees more than the
via the Momentum App or the web chat facility on studenthealthcare.co.za, or If approved by Netcare 911, the benefit includes: How do I prove that I am a member?
Momentum Medical Scheme Rate. In this case, you will need to pay the difference
you can send us a WhatsApp message or call us on 0860 102 493. If you do not between the Momentum Medical Scheme Rate and the fees charged. — emergency medical response by road or air to the scene of a medical Your membership confirmation letter or digital membership card proves
get authorisation, a co-payment will apply to all claims relating to the treatment, emergency that you are a member.
provided authorisation would have been granted according to the Rules of the Medicine will be covered during your hospital stay, provided that it is part of your
hospital treatment. On discharge, 7 days supply of prescribed medicine will be — transfer by road or air to the closest, most appropriate medical facility If you suspect fraudulent activity on your membership, you can
Scheme. In the case of an emergency, you, someone in your family, a friend or
the hospital must obtain authorisation within 72 hours of admission. covered. This medication must form part of the medication that you received during — moving you from one hospital to another if it is medically necessary and immediately call the Scheme’s fraud hotline on 0800 00 04 38 or email
hospitalisation and excludes vitamins and supplements. approved. [email protected].
Cover for in-hospital treatment Specialists covered up to 100% of the
What must I do if I have to go to hospital? Virtual doctor consultations I have lost my membership card, how do I go about getting a
Momentum Medical Scheme Rate
Hospital accounts are covered in full at the rate Hello Doctor virtual consultations are available 24/7, and you can also use the
new one?
You need to get an authorisation number that will allow you to get treatment at the
agreed with the hospital group hospital. You can request authorisation via the Momentum App or the web chat 3 free virtual doctor consultations per beneficiary per year from doctors on the GP Contact us via the web chat facility on studenthealthcare.co.za, send us a
No overall annual limit WhatsApp message or call us on 0860 102 493. We will email your digital
facility on studenthealthcare.co.za, or you can send us a WhatsApp message or call Virtual Consultation Network, which includes Hello Doctor, if you need
Internal and external prosthesis Limited to Prescribed Minimum Benefits at us on 0860 102 493. membership card to you. You can also click on the link in your welcome
medical advice. Consultations include scripting of medication where required.
State facilities letter and follow the authentication steps to access your membership card.
What if I need treatment at a casualty facility? Please note: Most of the emergency/casualty units at the hospitals are private facilities
Maternity confinements No annual limit applies (not part of the hospital) and may ask you to pay for the service and then claim back
Treatment at the casualty units at the hospital is not covered from the
Caesarean sections: only
emergency caesareans are in-hospital benefit, and forms part of your casualty/emergency visit benefit (see the from Momentum Medical Scheme. Authorisations for out-of-network doctors and Claims
covered Day-to-day benefits section). You have 1 visit per beneficiary, with a maximum of 2 emergency consultations are valid for 3 days.
I received an account/bill from a doctor, what do I do with it?
visits per family per year. You will need to pay R110 per visit from your own pocket.
In-hospital dental and oral Not covered. Maxillo-facial trauma covered at If pre-authorisation is not obtained, a co-payment of 30% will apply to all claims Submit the account via the Momentum App or email it to us at claims@
You need to contact us within 72 hours of the consultation to get authorisation,
benefits State facilities, limited to Prescribed Minimum relating to the treatment. Momentum Medical Scheme will be responsible for 70% momentumhealth.co.za. If you paid for the claim and need a refund,
otherwise you will have to pay 30% of the account from your own pocket and
Benefits of the negotiated tariffs, provided authorisation would have been granted for the please email us the detailed account with treatment codes, together
Momentum Medical Scheme will be responsible for 70% of the negotiated tariff.
treatment. Certain benefits/treatment have limits. with proof that you have paid it. We need your bank details to refund you.
Radiology Limited to Prescribed Minimum Benefits at
You can contact us via the web chat facility on studenthealthcare.co.za, send us a Visit studenthealthcare.co.za for more information. Download the bank details update form from
MRI and CT scans, State facilities
magnetic resonance WhatsApp message or call us on 0860 102 493. studenthealthcare.co.za.
cholangiopancreatography
(MRCP), whole body Do I need to pay the hospital any money? How long do I have to submit an account/bill?
radioisotope and PET scans Provided you receive authorisation for your admission from Momentum Medical We will process your claim as long as we receive it by the end of the fourth
Pathology (such as blood tests) Covered at 100% of the Momentum Medical
Scheme Rate
Scheme, the hospital will send the account to us. We will pay your hospital accounts.
Consult your Network doctor month after the date of service/treatment. For example, if the date of
service is 15 March, we need to receive the claim by 31 July.

Mental health
- incl. psychiatry and psychology
Limited to Prescribed Minimum Benefits at
State facilities, 21-day sub-limit applies to drug
What is an emergency?
An emergency means the sudden and, at the time, unexpected onset of a health
to access these benefits
- drug and alcohol rehabilitation and alcohol rehabilitation condition that requires immediate medical or surgical treatment, where failure Terminations and start date changes
to provide medical or surgical treatment would result in serious impairment to
Medical rehabilitation and R16 700 per beneficiary per year bodily functions or serious dysfunction of a bodily organ or part, or would place the Your medical cover starts on the date indicated on your confirmation letter,
step-down facilities person’s life in serious jeopardy. whether you have arrived in South Africa or not.

Medical and surgical appliances R6 700 per family per year Please note that if you are not able to begin your studies as planned, we
(such as support stockings, knee Post surgery and related to hospitalisation What must I do in an emergency and who must I phone for authorisation? need one month’s notice prior to your start date. The notice period applies
and back braces) You need to phone Momentum Medical Scheme on 0860 102 493. to cancellation of membership or a change in membership dates if your
studies have been postponed. We need the following to process your
Organ transplants Limited to Prescribed Minimum Benefits at If you are admitted directly to hospital as a result of an emergency, you, a member
State facilities change request:
of your family, a friend or the hospital must notify Momentum Medical Scheme
within 72 hours of your admission. — A letter from the academic institution confirming your study
Renal dialysis Limited to Prescribed Minimum Benefits at
State facilities changes, or
— A letter from the South African embassy confirming that your study
Oncology/Chemotherapy Limited to Prescribed Minimum Benefits at
permit has been declined.
State facilities
Please note that we unfortunately cannot backdate termination of
Immune deficiency related to HIV At your chosen network provider Visit From
R 5 8 9 pm
membership or changes to start dates, if we do not receive the required
Anti-retroviral treatment R40 500 per family
HIV related admissions R41 000 per family
studenthealthcare.co.za notice.
to view the comprehensive member
guide if you need more details on your Incom
benefits, limits and exclusions. e of le
Download the Momentum App to R1 50 ss than
Version 2025

search for network providers, request 0pm

medical scheme
 Disclaimer: This brochure is a focused
marketing aid for international students.
Benefits Please note: You cannot use your membership card at the pharmacy to buy
non-prescription or over-the-counter medicine, because it is not covered on the Ingwe Lifestyle benefits
that include digital access
Customer care
0860 102 493
Postal address
PO Box 2338
Durban 4000
Option. WhatsApp
It includes details of the benefits available and innovation from
on the Ingwe Any hospital and Ingwe
How do I know when my benefits start? +27 860 102 493 Street address
Momentum Hospital pre-authorisation 201 uMhlanga
Active Network Option. It provides We show the start date of your cover on your confirmation letter, as well as on your digital membership card.
examples of the benefits available and What must I do if my doctor sends me for a blood test or x-ray? 0860 102 493 Ridge Boulevard
Emergency evacuation Cornubia
does not replace Momentum Medical It is important to understand how your benefits work and how to access these benefits. You need to get Your Ingwe Active Network doctor can send you for basic blood tests and black- You can look forward to some 082 911 4339
Scheme’s full marketing brochure or
member brochure. pre-authorisation for certain benefits and there is a specific process to follow – please refer to the details below. and-white x-rays that are on the approved list. Ask your doctor or refer to the brand new benefits in 2025 from
Momentum Group Limited Health advice line
Momentum Medical Scheme’s 2025 website at studenthealthcare.co.za for a list of these approved blood tests and (Momentum), designed to 0860 102 493
benefit and contribution amendments complement and seamlessly enhance Fraud hotline
You need to obtain authorisation for these benefits You don’t need to pre-authorise for these benefits x-rays. If the test or x-ray is not on the list, you need to cover the cost. your medical aid. Momentum is not
have been submitted to the Council for 0800 000 438
a medical scheme, and is a separate [email protected]
Medical Schemes and are subject to entity to Momentum Medical Scheme.
approval by the Regulator. Any planned hospital/day clinic admission should be Consultations/visits to an Ingwe Active Network doctor What must I do if I need to see a specialist or physiotherapist? You can be a member of Momentum Email enquiries
[email protected]
pre-authorised 48 hours before your admission Medical Scheme without taking any
Make an appointment with your Ingwe Active Network doctor, who can refer you to a of the complementary products. Website and web chat
Ingwe Option An emergency hospital admission needs to be authorised Consultations/visits to an Ingwe Active Network dentist specialist. Your doctor will give you a referral letter and you will need to contact us to studenthealthcare.co.za

Contact details
get authorisation. You can contact us via the web chat facility on studenthealthcare. Visit the Lifestyle Repatriation of mortal remains
within 72 hours of admission
benefit summary co.za, send us a WhatsApp message or call us on 0860 102 493. Benefits section on
studenthealthcare.co.za
0860 102 493
Multiply
For out-of-network, casualty and after-hours doctor visits, Consultations/visits to an Ingwe Active Network for more information. 0861 886 600
This summary is applicable This benefit is limited to 2 specialist visits for you and your registered dependants per
you need to contact us within 72 hours to notify us that you optometrist Europ Assistance SA:
to the Ingwe Any hospital and year. The visits are covered at 100% of the Momentum Medical Scheme Rate, and we
Ingwe Active Network Option. International travel
pay up to R1 350 per visit, to a maximum of R2 700 per family per year. 0861 127 332
The Ingwe Option offers the Specialist visits out of hospital - you need to get Collecting acute medicine prescribed by your Ingwe Active COVID-19 Helpline
following main benefit authorisation 48 hours before your specialist appointment, Network doctor from the pharmacy You can choose to use your specialist visits to go to a physiotherapist. +27 31 574 3033
sections:
wing information when obtaining Where can I have my eyes tested and get glasses if I need them?
How to get pre-authorisation
You must provide the follo
pre-authorisation: Your benefit includes 1 eye test and 1 pair of clear standard or bi-focal lenses with a
Chronic medicine benefit
Major Medical Benefit for
You need to contact us to get an authorisation number. Please ensure — the date of admission standard frame every 2 years, if your refractive measurement is at least 0.5. Ask the
your in-hospital benefits — your membership num
ber
practice optometrist which frames are available for you to choose from, that are covered on your
Benefits are only available from the Ingwe Active Network, and are
that you have the information regarding the treatment you require and details of patient — the contact details and subject to a list of medicine, referred to as a Network entry-level
Out-of-hospital/ available when you contact us. You can request the authorisation via ital num ber of the referring doctor, option.
— the reason for hosp
as well as specialist formulary
Day-to-day Benefits for the Momentum App or the web chat facility on studenthealthcare. admission or procedure ber You can visit an optometrist on the Ingwe Active Network that will test your eyes and tell
treatment/benefits provided co.za, or you can send us a WhatsApp message or call us on ), — the name and practice num
— the procedure code (CPT of the hospital you if you need glasses. The process is as follows:
through the Ingwe Active 0860 102 493. 10) and tariff
diagnosis code (ICD-
able
Network. Please note that if code (these details are avail — Have your eyes tested Which chronic conditions are covered?
from your treating doctor)
you choose to consult a non- Day-to-day benefits — If your eye test shows your refractive measurement is more than 0.5, the 26 Conditions are covered as per the Chronic Disease List in the Prescribed
network provider, you will have optometrist will show you which frames you can choose from Minimum Benefits, such as diabetes and high blood pressure.
to pay for the treatment from
Benefits are only available from your Ingwe Active Network doctor. Chronic benefits are subject to a list of medicine, referred — The optometrist will send the account to us for payment
your own pocket You can view the full list of conditions covered on our website at
to as a Network entry-level formulary. Day-to-day benefits are subject to the Network’s protocols, which are the rules and — If your eye test shows that you do not need glasses, the optometrist will studenthealthcare.co.za, or contact us via the web chat facility on
Chronic Medicine Benefit provisions set by the Network. Benefits are also subject to the Network’s list of applicable tariff codes send us the account for the consultation. studenthealthcare.co.za, send us a WhatsApp message or call us on
if you register on the 0860 102 493.
Please remember that we do not cover sunglasses, tinted lenses and contact lenses.
programme, subject to certain
If you are not sure that the claim will be covered in full, ask the optometrist for a
conditions. What must I do when I need to see a doctor? Where must I get my chronic medicine from?
quotation first and send it to us.
Additional/Special benefits You may visit any doctor on the Ingwe Active Network. To check which doctors are in your area, visit You need to send your prescription to Medipost Pharmacy and let them know
such as specialist visits and studenthealthcare.co.za, or contact us via the web chat facility on studenthealthcare.co.za, send us a WhatsApp message or call Can I visit a dentist? where they must deliver your medicine every month.
physiotherapy us on 0860 102 493. You have benefits for 1 dental consultation per year, with cover for basic dentistry, such as
You can call Medipost on 012 426 4000, or email your prescription to
examinations, fillings or extraction of teeth at Ingwe Active Network dentists. The dentist
Can I visit any doctor? [email protected].
will discuss the procedure with you and send the account to us for payment. You can view
You can only visit a doctor who is on the Ingwe Active Network. If you visit a non-Network doctor, you will have to use your a list of benefits covered on our website at studenthealthcare.co.za. If the procedure is
emergency/casualty visit and pay a R110 co-payment. This visit is covered at 100% of the Momentum Medical Scheme Rate. not on the list, or if you visit a non-network dentist, you will need to pay for the treatment. Please note: We can only pay for your chronic medicine if we have approved it
2025 There is no limit to the number of times you may visit your Ingwe Active Network doctor, however, please note that you need Your dentist needs to contact us for pre-authorisation if you have more than 4 and if your doctor has prescribed it from the available list of medicines. You will
to get pre-authorisation for all visits from the 11th visit onwards. You can request pre-authorisation via the web chat facility on fillings or 4 extractions. need to get a new script from your Ingwe Active Network doctor every six months
studenthealthcare.co.za, or by sending us a WhatsApp message or calling us on and send it to Medipost.
more health
0860 102 493. Please remember that specialised dentistry, such as bridges and crowns, is not
for more Students
covered on the Ingwe Option.
for less Virtual consultation
From
pm Where can I find the details of doctors near me?
R589less than
e of To check which network doctors are in your area, visit studenthealthcare.co.za, or contact us via the web chat facility on
Which dentists can I visit?
You also get 3 virtual doctor consultations per beneficiary per year from the GP
Incom m
R1 500p You can visit any dentist on the Ingwe Active Network. To check which dentists are in Virtual Consultation Network, which includes Hello Doctor. Consultations include
studenthealthcare.co.za, send us a WhatsApp message or call us on 0860 102 493.
your area, you can visit studenthealthcare.co.za, contact us via the web chat facility scripting of medication where required.
on studenthealthcare.co.za, send us a WhatsApp message or call us on 0860 102 493.
What must I do if I need medicine?
Make an appointment with your Ingwe Active Network doctor. Your doctor can prescribe medicine for you from a list of medicines
that is approved for the Ingwe Option. Some of the Ingwe Active Network doctors are licensed to dispense medication. In this + Healthcare tips just for you.
instance you can collect your medication from the doctor, except if it is chronic medication (refer to the Chronic Medicine Benefit Visit the download section on studenthealthcare.co.za
medical scheme Section for the registration process). If your Ingwe Active Network doctor is not licensed to dispense medication, you would need and click on “More on healthcare benefits” for useful tips.
to take the prescription to the pharmacy to collect your medicine. Only specific medication is covered on your option. Ask your
Quick Guide doctor or visit studenthealthcare.co.za for a list of these items.
for Students
Read inside how to
access your benefits