Momentum Extender (Any hospital, State chronic): 2027 contributions and benefits

At a glance

Plan type: Comprehensive plan
Hospitals: Any private hospital
Hospital and specialists: 200% of Scheme tariff
Savings account: R2 254 a month for the main member (25%)
Chronic conditions: 62
Cancer: R500 000 a year
Children you pay for: Up to 3
Children on the plan to age: 21

Plan type: Comprehensive plan
Hospitals: Any private hospital
Hospital and specialists: 200% of Scheme tariff
Savings account: R2 435 a month for the main member (25%)
Chronic conditions: 62
Cancer: R500 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	R9 017	R9 741	+8.0%
Adult dependant	R7 401	R7 996	+8.0%
Child	R2 647	R2 859	+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

Hospitals

Any hospital

Hospitals

Any hospital

2027 Momentum Medical Scheme Marketing brochure, p3

Specialists in hospital

200% of Scheme tariff. A specialist who charges more leaves a shortfall.

Specialists in hospital

200% of Scheme tariff. A specialist who charges more leaves a shortfall.

2027 Momentum Medical Scheme Marketing brochure, p3

Chronic and cancer

Chronic conditions

62 conditions (the 27 on the Chronic Disease List plus others the scheme adds).

Chronic conditions

62 conditions (the 27 on the Chronic Disease List plus others the scheme adds).

2027 Momentum Medical Scheme Marketing brochure, p3

Cancer

Up to R500 000 a year.

Momentum Annexure B(5) 2026 (Extender), p14

Cancer

Up to R500 000 a year.

2027 Momentum Medical Scheme Marketing brochure, p14

Day to day

Medical savings account

25% of your contribution goes into a savings account for day-to-day costs.

Medical savings account

25% of your contribution goes into a savings account for day-to-day costs.

Momentum Focus on Individual Contributions 2027, p2

Maternity

Maternity Programme, paid from savings.

Momentum Focus on the Maternity Programme

Maternity

Maternity Programme, paid from savings.

2027 Momentum Medical Scheme Marketing brochure, p17

Children on the plan

As dependants up to age 21.

Children on the plan

As dependants up to age 20.

GP visits

2.2 General practitioners 100% of MMSR No limit at Network Provider only

Momentum Annexure B(5) 2026 (Extender), p10

GP visits

From Savings (25%) then Extended Cover above threshold R40 000/R34 700/R11 500 (P/A/C). Per-category sub-limit not in these documents.

Momentum Focus on Individual Contributions 2027, p2

Specialist visits

2.1 Medical specialists 100% of MMSR No limit

Momentum Annexure B(5) 2026 (Extender), p10

Specialist visits

From Savings (25%) then Extended Cover above threshold R40 000/R34 700/R11 500 (P/A/C). Per-category sub-limit not in these documents.

Momentum Focus on Individual Contributions 2027, p2

Prescribed medicine (acute)

R23 200 p.b to a maximum of R44 000 per family

Momentum Annexure B(5) 2026 (Extender), p13

Prescribed medicine (acute)

From Savings (25%) then Extended Cover above threshold R40 000/R34 700/R11 500 (P/A/C). Per-category sub-limit not in these documents.

Momentum Focus on Individual Contributions 2027, p2

Basic dentistry

1.1 Conservative Dentistry (basic, including 100% of MMSR No limit within the provisions of Section C (iii)

Momentum Annexure B(5) 2026 (Extender), p10

Basic dentistry

From Savings (25%) then Extended Cover above threshold R40 000/R34 700/R11 500 (P/A/C). Per-category sub-limit not in these documents.

Momentum Focus on Individual Contributions 2027, p2

Eyes (optometry)

Overall limit of R5 500- per beneficiary

Momentum Annexure B(5) 2026 (Extender), p16

Eyes (optometry)

From Savings (25%) then Extended Cover above threshold R40 000/R34 700/R11 500 (P/A/C). Per-category sub-limit not in these documents.

Momentum Focus on Individual Contributions 2027, p2

Basic X-rays

1.2 Out-of-hospital 100% of MMSR No limit DTD

Momentum Annexure B(5) 2026 (Extender), p11

Basic X-rays

From Savings (25%) then Extended Cover above threshold R40 000/R34 700/R11 500 (P/A/C). Per-category sub-limit not in these documents.

Momentum Focus on Individual Contributions 2027, p2

Blood tests (pathology)

2. Out-of-hospital 100% of MMSR No limit DTD

Momentum Annexure B(5) 2026 (Extender), p11

Blood tests (pathology)

From Savings (25%) then Extended Cover above threshold R40 000/R34 700/R11 500 (P/A/C). Per-category sub-limit not in these documents.

Momentum Focus on Individual Contributions 2027, p2

Full benefit list

Every benefit we hold for Extender (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

Surgery and anaesthetics

1.1 Medical specialist 200% of MMSR

Momentum Annexure B(5) 2026 (Extender), p9

Hospital stay and theatre

1.1 Accommodation in a general ward, high 100% of MMSR No limit

Momentum Annexure B(5) 2026 (Extender), p9

Day procedures

failing which a co-payment of 30% on the whole event shall apply and the Scheme will be responsible for 70% of the negotiated

Momentum Annexure B(5) 2026 (Extender), p6

Step-down and sub-acute care

R75 000 family – subject to PMBs

Momentum Annexure B(5) 2026 (Extender), p9

Mental health admissions

Costs covered in chosen Network Provider Hospitals subject to part (4) in Annexure D R50 600 p.b.

Momentum Annexure B(5) 2026 (Extender), p11

Birth (in hospital)

Costs covered in Network Provider hospitals subject to part (4) in Annexure D

Momentum Annexure B(5) 2026 (Extender), p12

Cancer treatment

Limited to R500 000 p.b. per annum, after which limit is reached; a 20% co-payment will apply.

Momentum Annexure B(5) 2026 (Extender), p14

Dialysis

Acute Renal Dialysis 100% of MMSR No limit.

Momentum Annexure B(5) 2026 (Extender), p14

Organ and stem cell transplants

R28 700 for Cadaver donor costs; R59 000 for Live related donor costs (including transport) – subject to PMBs

Momentum Annexure B(5) 2026 (Extender), p15

Internal prostheses

R92 200 p.b per event, maximum of 2 events per year

Momentum Annexure B(5) 2026 (Extender), p16

HIV/AIDS

R96 800 per family and subject to the Hospital Benefit above – subject to PMBs.

Momentum Annexure B(5) 2026 (Extender), p17

Medicine on discharge

To Take Home Medication 100% of MMSR Limited to 7 days’ supply

Momentum Annexure B(5) 2026 (Extender), p9

Medical appliances

R32 600 per family subject to R9 840 per family hearing aid sub-limit

Momentum Annexure B(5) 2026 (Extender), p16

Procedures in the doctor’s rooms

Specialised Procedures/Treatment as listed in 200% of MMSR

Momentum Annexure B(5) 2026 (Extender), p17

Care after a hospital stay

Certain day-to-day care after a traumatic incident resulting from the following conditions will be covered

Momentum Annexure B(5) 2026 (Extender), p17

Chronic medicine (Chronic Disease List)

3.1 CDLs as contained in the PMBs

Momentum Annexure B(5) 2026 (Extender), p13

Chronic medicine (other conditions)

Thromboangiitis obliterans, Acne (excl Isotretinoin medication), Dermatomyositis, Eczema, Psoriasis, Pemphigus, Scleroderma

Momentum Annexure B(5) 2026 (Extender), p13

MRI, CT and PET scans

2. Specialised 2.1 In-hospital 100% of MMSR No limit MMB 2.2 Out-of-hospital 100% of MMSR No limit MMB

Momentum Annexure B(5) 2026 (Extender), p11

Day to day

GP visits

2.2 General practitioners 100% of MMSR No limit at Network Provider only

Momentum Annexure B(5) 2026 (Extender), p10

Specialist visits

2.1 Medical specialists 100% of MMSR No limit

Momentum Annexure B(5) 2026 (Extender), p10

Casualty visits

3.1 Emergency Casualty 100% of Cost No limit

Momentum Annexure B(5) 2026 (Extender), p10

Prescribed medicine (acute)

R23 200 p.b to a maximum of R44 000 per family

Momentum Annexure B(5) 2026 (Extender), p13

Over-the-counter medicine

Limited to Savings, does not accumulate to threshold

Momentum Annexure B(5) 2026 (Extender), p13

Basic dentistry

1.1 Conservative Dentistry (basic, including 100% of MMSR No limit within the provisions of Section C (iii)

Momentum Annexure B(5) 2026 (Extender), p10

Specialised dentistry

Limit of R18 100 p.b., R46 900 per family

Momentum Annexure B(5) 2026 (Extender), p10

Eyes (optometry)

Overall limit of R5 500- per beneficiary

Momentum Annexure B(5) 2026 (Extender), p16

Blood tests (pathology)

2. Out-of-hospital 100% of MMSR No limit DTD

Momentum Annexure B(5) 2026 (Extender), p11

Basic X-rays

1.2 Out-of-hospital 100% of MMSR No limit DTD

Momentum Annexure B(5) 2026 (Extender), p11

Physiotherapy and other therapists

2. Out-of-hospital 100% of MMSR No limit DTD

Momentum Annexure B(5) 2026 (Extender), p8

Psychologist and counselling visits

3. Out-of-hospital 100% of MMSR R26 300 per family – subject to PMBs DTD

Momentum Annexure B(5) 2026 (Extender), p11

Maternity care (out of hospital)

12 antenatal visits per confinement (Subject to registration on the maternity management programme)

Momentum Annexure B(5) 2026 (Extender), p12

Contraceptives

Not covered. Unless a benefit is a PMB, if it is not explicitly listed, it is not covered

Momentum Annexure B(5) 2026 (Extender), p8

Screening and prevention

Screening and prevention

Full general physical examination by a chosen Network Provider according to the following age bands

Momentum Annexure B(5) 2026 (Extender), p20

Conditions

The Chronic Disease List conditions are Prescribed Minimum Benefits on every medical aid. How each one works on a medical aid:

Momentum also names these on Extender (Any hospital, State chronic)’s 2026 chronic list:

Others on its list have no page of ours yet.

Questions about Extender (Any hospital, State chronic)

Answered from Momentum’s documents.

How does Momentum describe Extender (Any hospital, State chronic)?

In Momentum’s own words (2027 Momentum Medical Scheme Marketing brochure, p13): “The Extender 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 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 Extender (Any hospital, State chronic) cost in 2027?

From 1 January 2027: R9 741 a month for the main member, R7 996 for an adult dependant and R2 859 for a child. You pay for up to 3 children.

How much is Extender (Any hospital, State chronic) going up for 2027?

For the main member, from R9 017 to R9 741 a month, +8.0%.

What is the difference between Extender (Any hospital, State chronic) and Extender (Any hospital, Any chronic)?

Extender (Any hospital, Any chronic) uses Momentum’s hospital network; Extender (Any hospital, State chronic) lets you use any hospital. In 2027 the main member pays R9 741 on Extender (Any hospital, State chronic) and R12 448 on Extender (Any hospital, Any chronic).

Does Extender (Any hospital, State chronic) have a medical savings account?

Yes. 25% of your contribution goes into a savings account, which pays for day-to-day costs such as GP visits and medicine.

How many chronic conditions does Extender (Any hospital, State chronic) cover?

62: 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?

Extender (Any hospital, State chronic) pays specialists in hospital at 200% of the Scheme tariff. If a specialist charges more than that, the difference is a shortfall. Gap cover is the product that pays shortfalls.

Compare my picks →On this plan? Get help with it →Extender (Any hospital, Any chronic) →All Momentum plans →Momentum 2027 price changes →Gap cover →

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.