At a glance
- Plan type
- Hospital plan
- Hospitals
- Any private hospital
- Hospital and specialists
- 100% of Scheme tariff
- Day-to-day costs
- Your own
- Chronic conditions
- 26
- Cancer
- R300 000 a year
- Children you pay for
- Up to 3
- Children on the plan to age
- 21
- Plan type
- Hospital plan
- Hospitals
- Any private hospital
- Hospital and specialists
- 100% of Scheme tariff
- Day-to-day costs
- Your own
- Chronic conditions
- 26
- Cancer
- R300 000 a year
- Children you pay for
- Up to 3
- Children on the plan to age
- 20
Monthly contributions
2027 rates take effect on 1 January 2027. You pay for up to 3 children.
| Member | 2026 | 2027 | Change |
|---|---|---|---|
| Main member | R3 295 | R3 556 | +7.9% |
| Adult dependant | R2 487 | R2 684 | +7.9% |
| Child | R1 207 | R1 303 | +8.0% |
Benefits
Momentum has published its full 2027 rules, but we hold only the main rows so far. A row without a 2027 entry shows the 2026 rule, marked.
Benefits in force for 2026.
In hospital
Chronic and cancer
Day to day
Full benefit list
Every benefit we hold for Custom (Any hospital, State chronic), in Momentum’s own wording, from its 2026 documents. Momentum’s full 2027 list is not in our records yet.
In hospital
Day to day
Screening and prevention
Conditions
The Chronic Disease List conditions are Prescribed Minimum Benefits on every medical aid. How each one works on a medical aid:
- Addison's Disease
- Asthma
- Bipolar Disorder
- Bronchiectasis
- Dysrhythmia
- Heart Failure
- Cardiomyopathy
- COPD
- Chronic Kidney Disease
- Coronary Artery Disease
- Crohn's Disease
- Type 1 Diabetes
- Type 2 Diabetes
- Epilepsy
- Glaucoma
- Haemophilia
- HIV (Human Immunodeficiency Virus)
- High Cholesterol
- Hypertension
- Hypothyroidism
- Multiple Sclerosis
- Parkinson's Disease
- Rheumatoid Arthritis
- Schizophrenia
- Systemic Lupus Erythematosus (SLE)
- Ulcerative Colitis
Momentum’s 2026 documents name no chronic conditions beyond the Chronic Disease List on Custom (Any hospital, State chronic).
Questions about Custom (Any hospital, State chronic)
Answered from Momentum’s documents.
How does Momentum describe Custom (Any hospital, State chronic)?
In Momentum’s own words (2027 Momentum Medical Scheme Marketing brochure, p9): “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 (referred to as Associated hospitals, see page 40 for this list).”
How much does Custom (Any hospital, State chronic) cost in 2027?
From 1 January 2027: R3 556 a month for the main member, R2 684 for an adult dependant and R1 303 for a child. You pay for up to 3 children.
How much is Custom (Any hospital, State chronic) going up for 2027?
For the main member, from R3 295 to R3 556 a month, +7.9%.
What is the difference between Custom (Any hospital, State chronic) and Custom (Any hospital, Any chronic)?
Custom (Any hospital, Any chronic) uses Momentum’s hospital network; Custom (Any hospital, State chronic) lets you use any hospital. In 2027 the main member pays R3 556 on Custom (Any hospital, State chronic) and R4 852 on Custom (Any hospital, Any chronic).
Does Custom (Any hospital, State chronic) pay for GP visits and day-to-day costs?
No. Custom (Any hospital, State chronic) is a hospital plan, so day-to-day costs are your own.
How many chronic conditions does Custom (Any hospital, State chronic) cover?
26: the 27 on the Chronic Disease List and others the scheme adds.
Until what age can children stay on as dependants?
Up to age 20 in 2027 (21 in 2026).
Will I have a shortfall if my specialist charges more?
Custom (Any hospital, State chronic) pays specialists in hospital at 100% of the Scheme tariff. If a specialist charges more than that, the difference is a shortfall. Gap cover is the product that pays shortfalls.
Factual information from Momentum Medical Scheme’s published documents. It is not advice. Compiled by Eldon de Waal, CFA, the licensed advisor behind AURA. Catalogue v175, built 2026-10-19.