Disclaimer: This brochure is a focused marketing

aid for international students. It includes details of

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 Lifestyle benefits
that include digital access
the benefits available on the Ingwe Any hospital
and Ingwe Active Network Option. It provides
How do I know when my benefits start? Ingwe Option. and innovation from
examples of the benefits available and does Momentum
not replace Momentum Medical Scheme’s full We show the start date of your cover on your confirmation letter, as well as on your digital membership card.
marketing brochure or member brochure.
What must I do if my doctor sends me for a blood test or x-ray?
Please note that Momentum Medical Scheme’s 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
You can look forward to some
brand new benefits in 2024
2024 benefits and contributions amendments
have been submitted to the Council for Medical
pre-authorisation for certain benefits and there is a specific process to follow – please refer to the details below. black-and-white x-rays that are on the approved list. Ask your doctor or refer
from Momentum Metropolitan
Holdings Limited (Momentum),
Schemes and are subject to approval by the designed to complement and
Registrar. to the website at studenthealthcare.co.za for a list of these approved blood seamlessly enhance your medical
You need to obtain authorisation for these benefits You don’t need to pre-authorise for these benefits tests and x-rays. If the test or x-ray is not on the list, you need to cover the aid. Momentum is not a medical
scheme, and is a separate entity to
Any planned hospital/day clinic admission should be Consultations/visits to an Ingwe Active Network doctor cost. Momentum Medical Scheme. You
can be a member of Momentum
pre-authorised 48 hours before your admission Medical Scheme without taking

Ingwe Option An emergency hospital admission needs to be authorised Consultations/visits to an Ingwe Active Network dentist
What must I do if I need to see a specialist or physiotherapist? any of the complementary
products.

benefit summary within 72 hours of admission Make an appointment with your Ingwe Active Network doctor, who can refer Visit the Lifestyle Benefits
you to a specialist. Your doctor will give you a referral letter and you will need section on
This summary is applicable For out-of-network, casualty and after-hours doctor visits, you Consultations/visits to an Ingwe Active Network optometrist studenthealthcare.co.za
need to contact us within 72 hours to notify us that you have to contact us to get authorisation. You can contact us via the web chat facility for more information.
to the Ingwe Any hospital on studenthealthcare.co.za, send us a WhatsApp message or call us on
used this benefit
and Ingwe Active Network
0860 102 493.
Option. Specialist visits out of hospital - you need to get authorisation Collecting acute medicine prescribed by your Ingwe Active
The Ingwe Option offers the 48 hours before your specialist appointment, and your Ingwe Network doctor from the pharmacy This benefit is limited to 2 specialist visits for you and your registered
Active Network doctor must refer you dependants per year. The visits are covered at 100% of the Momentum Medical
following main benefit
sections: ing information when obtaining Scheme Rate, and we pay up to R1 290 per visit, to a maximum of R2 580 per
How to get pre-authorisation You must provide the follow
pre-authorisation: family per year.
Major Medical Benefit for
You need to contact us to get an authorisation number. Please
your in-hospital benefits
ensure that you have the information regarding the treatment — your membership number
— the date of admission
ice
You can choose to use your specialist visits to go to a physiotherapist. Chronic medicine benefit
and details of patient — the contact details and pract
r, as
Out-of-hospital/ you require available when you contact us. You can request the number of the referring docto Where can I have my eyes tested and get glasses if I need them?
— the reason for hospital well as specialist Benefits are only available from the Ingwe Active Network, and are
Day-to-day Benefits for authorisation via the Momentum App or the web chat facility admission or procedure
treatment/benefits provided — the name and practice numb
er of Your benefit includes 1 eye test and 1 pair of clear standard or bi-focal lenses with subject to a list of medicine, referred to as a Network entry-level
on studenthealthcare.co.za, or you can send us a WhatsApp — the procedure code (CPT), the hospital formulary
through the Ingwe Active diagn osis code (ICD -10) and tariff a standard frame every 2 years, if your refractive measurement is at least 0.5.
message or call us on 0860 102 493.
Network. Please note that code (these details are available Ask the optometrist which frames are available for you to choose from, that are
if you choose to consult from your treating doctor) covered on your option.
a non-network provider, Day-to-day benefits Which chronic conditions are covered?
you will have to pay for the You can visit an optometrist on the Ingwe Active Network that will test your eyes
treatment from your own and tell you if you need glasses. The process is as follows: 26 Conditions are covered as per the Chronic Disease List in the
Benefits are only available from your Ingwe Active Network doctor. Chronic benefits are subject to a list of medicine,
pocket referred to as a Network entry-level formulary. Day-to-day benefits are subject to the Network’s protocols, which are Prescribed Minimum Benefits, such as diabetes and high blood pressure.
— Have your eyes tested
Chronic Medicine Benefit the rules and provisions set by the Network. Benefits are also subject to the Network’s list of applicable tariff codes You can view the full list of conditions covered on our website at
— If your eye test shows your refractive measurement is more than 0.5,
if you register on the the optometrist will show you which frames you can choose from studenthealthcare.co.za, or contact us via the web chat facility on
programme, subject to studenthealthcare.co.za, send us a WhatsApp message or call us on
certain conditions. What must I do when I need to see a doctor? — The optometrist will send the account to us for payment 0860 102 493.
You may visit any doctor on the Ingwe Active Network. To check which doctors are in your area, visit — If your eye test shows that you do not need glasses, the optometrist
Additional/Special benefits
studenthealthcare.co.za, or contact us via the web chat facility on studenthealthcare.co.za, send us a WhatsApp will send us the account for the consultation. Where must I get my chronic medicine from?
such as specialist visits and
physiotherapy message or call us on 0860 102 493. You need to send your prescription to Medipost Pharmacy and let them
Please remember that we do not cover sunglasses, tinted lenses and contact
lenses. If you are not sure that the claim will be covered in full, ask the know where they must deliver your medicine every month.
Can I visit any doctor?
optometrist for a quotation first and send it to us. You can call Medipost on 012 426 4000, or email your prescription to
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
[email protected].
your emergency/casualty visit and pay a R105 co-payment. This visit is covered at 100% of the Momentum Medical Can I visit a dentist?
Scheme Rate. There is no limit to the number of times you may visit your Ingwe Active Network doctor, however, please
You have benefits for 1 dental consultation per year, with cover for basic dentistry,
note that you need to get pre-authorisation for all visits from the 11th visit onwards. You can request pre-authorisation Please note: We can only pay for your chronic medicine if we have approved
such as examinations, fillings or extraction of teeth at Ingwe Active Network
via the web chat facility on studenthealthcare.co.za, or by sending us a WhatsApp message or calling us on it and if your doctor has prescribed it from the available list of medicines. You
dentists. The dentist will discuss the procedure with you and send the account
0860 102 493. will need to get a new script from your Ingwe Active Network doctor every six
to us for payment. You can view a list of benefits covered on our website at
studenthealthcare.co.za. If the procedure is not on the list, or if you visit a months and send it to Medipost.
Where can I find the details of doctors near me?
non-network dentist, you will need to pay for the treatment.
To check which network doctors are in your area, visit studenthealthcare.co.za, or contact us via the web chat facility on Virtual consultation
studenthealthcare.co.za, send us a WhatsApp message or call us on 0860 102 493. Your dentist needs to contact us for pre-authorisation if you have more than 4
fillings or 4 extractions. You also get 3 virtual doctor consultations per beneficiary per year from
What must I do if I need medicine? the GP Virtual Consultation Network, which includes Hello Doctor.
Please remember that specialised dentistry, such as bridges and crowns, is
Make an appointment with your Ingwe Active Network doctor. Your doctor can prescribe medicine for you from a list of Consultations include scripting of medication where required.
not covered on the Ingwe Option.
medicines that is approved for the Ingwe Option. Some of the Ingwe Active Network doctors are licensed to dispense
medication. In this instance you can collect your medication from the doctor, except if it is chronic medication (refer to Which dentists can I visit? + Healthcare tips just for you.
the Chronic Medicine Benefit Section for the registration process). If your Ingwe Active Network doctor is not licensed You can visit any dentist on the Ingwe Active Network. To check which Visit the download section on studenthealthcare.co.za
to dispense medication, you would need to take the prescription to the pharmacy to collect your medicine. Only specific dentists are in your area, you can visit studenthealthcare.co.za, contact us and click on “More on healthcare benefits” for useful tips.
medication is covered on your option. Ask your doctor or visit studenthealthcare.co.za for a list of these items. via the web chat facility on studenthealthcare.co.za, send us a WhatsApp
message or call us on 0860 102 493.
 How does the benefit work? What must I do in an emergency and who must I phone for authorisation?
In-hospital cover Momentum Medical Scheme will pay for your in-hospital expenses, subject
to Scheme Rules and clinical protocols. The Scheme will cover the cost of
You need to phone Momentum Medical Scheme on 0860 102 493.
Membership matters
No overall annual limit applies. You need to contact us for authorisation If you are admitted directly to hospital as a result of an emergency, you,
in-hospital specialists and related providers, such as radiologists, up to 100%
for all in-hospital treatment 48 hours prior to admission. You can request a member of your family, a friend or the hospital must notify Momentum
authorisation via the Momentum App or the web chat facility on of the Momentum Medical Scheme Rate. Some service providers charge fees How do I prove that I am a member?
Medical Scheme within 72 hours of your admission.
studenthealthcare.co.za, or you can send us a WhatsApp message or call more than the Momentum Medical Scheme Rate. In this case, you will need
Your membership confirmation letter or digital membership card
us on 0860 102 493. If you do not get authorisation, a co-payment will to pay the difference between the Momentum Medical Scheme Rate and the What must I do if I need emergency medical transport and proves that you are a member.
apply to all claims relating to the treatment, provided authorisation would fees charged. who must I phone?
have been granted according to the Rules of the Scheme. In the case of If you suspect fraudulent activity on your membership, you can
Medicine will be covered during your hospital stay, provided that it is part of Netcare 911 is Momentum’s Medical Scheme preferred service provider for
an emergency, you, someone in your family, a friend or the hospital must immediately call the Scheme’s fraud hotline on 0800 00 04 38 or
obtain authorisation within 72 hours of admission. your hospital treatment. On discharge, 7 days supply of prescribed medicine emergency medical transport and you can phone them on 082 911. email [email protected].
will be covered. This medication must form part of the medication that you
received during hospitalisation and excludes vitamins and supplements. If approved by Netcare 911, the benefit includes:
Cover for in-hospital treatment Specialists covered up to 100% of the I have lost my membership card, how do I go about getting a
Momentum Medical Scheme Rate — emergency medical response by road or air to the scene of a medical new one?
Hospital accounts are covered in full at the rate What must I do if I have to go to hospital? emergency
agreed with the hospital group Contact us via the web chat facility on studenthealthcare.co.za, send
You need to get an authorisation number that will allow you to get treatment — transfer by road or air to the closest, most appropriate medical facility
No overall annual limit us a WhatsApp message or call us on 0860 102 493. We will email
at the hospital. You can request authorisation via the Momentum App or the
Internal and external prosthesis Limited to Prescribed Minimum Benefits at — moving you from one hospital to another if it is medically necessary your digital membership card to you. You can also click on the link
web chat facility on studenthealthcare.co.za, or you can send us a WhatsApp
State facilities and approved. in your welcome letter and follow the authentication steps to access
message or call us on 0860 102 493.
your membership card.
Maternity confinements No annual limit applies Virtual doctor consultations
Caesarean sections: only What if I need treatment at a casualty facility?
emergency caesareans are Hello Doctor virtual consultations are available 24/7, and you can also use the
covered Treatment at the casualty units at the hospital is not covered from the 3 free virtual doctor consultations per beneficiary per year from doctors on Claims
in-hospital benefit, and forms part of your casualty/emergency visit benefit the GP Virtual Consultation Network, which includes Hello Doctor, if you need
In-hospital dental and oral Not covered. Maxillo-facial trauma covered at I received an account/bill from a doctor, what do I do with it?
(see the Day-to-day benefits section). You have 1 visit per beneficiary, with medical advice. Consultations include scripting of medication where required.
benefits State facilities, limited to Prescribed Minimum
a maximum of 2 visits per family per year. You will need to pay R105 per Submit the account via the Momentum App or email it to us at
Benefits
visit from your own pocket. You need to contact us within 72 hours of the Please note: Most of the emergency/casualty units at the hospitals are private [email protected]. If you paid for the claim and need
Radiology Limited to Prescribed Minimum Benefits at consultation to get authorisation, otherwise you will have to pay 30% of facilities (not part of the hospital) and may ask you to pay for the service and then a refund, please email us the detailed account with treatment codes,
MRI and CT scans, State facilities together with proof that you have paid it. We need your bank details
the account from your own pocket and Momentum Medical Scheme will be claim back from Momentum Medical Scheme. Authorisations for out-of-network
magnetic resonance
cholangiopancreatography responsible for 70% of the negotiated tariff. doctors and emergency consultations are valid for 3 days. to refund you. Download the bank details update form from
(MRCP), whole body studenthealthcare.co.za.
radioisotope and PET scans You can contact us via the web chat facility on studenthealthcare.co.za, send If pre-authorisation is not obtained, a co-payment of 30% will apply to all claims
us a WhatsApp message or call us on 0860 102 493. relating to the treatment. Momentum Medical Scheme will be responsible for 70% How long do I have to submit an account/bill?
Pathology (such as blood tests) Covered at 100% of the Momentum Medical
Scheme Rate
of the negotiated tariffs, provided authorisation would have been granted for the We will process your claim as long as we receive it by the end of the
Do I need to pay the hospital any money? treatment. Certain benefits/treatment have limits. fourth month after the date of service/treatment. For example, if the
Mental health Limited to Prescribed Minimum Benefits at Provided you receive authorisation for your admission from Momentum Visit studenthealthcare.co.za for more information.
- incl. psychiatry and psychology State facilities, 21-day sub-limit applies to drug date of service is 15 March, we need to receive the claim by 31 July.
- drug and alcohol rehabilitation and alcohol rehabilitation Medical Scheme, the hospital will send the account to us. We will pay your
hospital accounts.
Medical rehabilitation and R15 900 per beneficiary per year Terminations and start date changes
step-down facilities What is an emergency? Consult your Network doctor Your medical cover starts on the date indicated on your confirmation
Medical and surgical appliances
(such as support stockings, knee
R6 400 per family per year
Post surgery and related to hospitalisation
An emergency means the sudden and, at the time, unexpected onset of
a health condition that requires immediate medical or surgical treatment, to access these benefits letter, whether you have arrived in South Africa or not.
and back braces) Please note that if you are not able to begin your studies as
where failure to provide medical or surgical treatment would result in serious
Organ transplants Limited to Prescribed Minimum Benefits at planned, we need one month’s notice prior to your start date. The
impairment to bodily functions or serious dysfunction of a bodily organ
State facilities notice period applies to cancellation of membership or a change in
or part, or would place the person’s life in serious jeopardy.
membership dates if your studies have been postponed. We need the
Renal dialysis Limited to Prescribed Minimum Benefits at
State facilities
following to process your change request:
— A letter from the academic institution confirming your study
Oncology/Chemotherapy Limited to Prescribed Minimum Benefits at
State facilities changes, or
Visit
From — A letter from the South African embassy confirming that your
Immune deficiency related to HIV At your chosen network provider studenthealthcare.co.za study permit has been declined.
Anti-retroviral treatment R38 500 per family
HIV related admissions R39 000 per family to view the comprehensive member guide
if you need more details on your benefits,
limits and exclusions. Download the
R541pm Please note that we unfortunately cannot backdate termination
of membership or changes to start dates, if we do not receive the
Momentum App to search for network Income of less than required notice.
providers, request pre-authorisation R875pm
for benefits and much more.
Version 2024

medical scheme