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Affordable medical aid

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Benefits
In-hospital Benefit Health Platform Benefit Day-to-Day Benefit Chronic Benefit
Complementary products
HealthSaver+ Momentum Multiply Hello Doctor+ GapCover+
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Our options
Evolve Custom Incentive Extender Summit Ingwe Save with Provider Choice
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Short-term insurance cover

Overview Car insurance Home contents insurance Building insurance
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Benefits & Rewards
Our benefits & rewards Safety Returns Safety Alert Momentum Assist Accident Alert
Chapters in our journey
Science of Safety Safety for Sure Momentum Futures
Other
Business insurance Legal & Compliance
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Life insurance cover

Overview Calculate your discount Latest claims stats
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Cover options
Life cover Disability cover Income protection cover Critical illness cover Home loan protection Functional impairment cover
Industry leading benefits
LifeReturns Longevity Protector Breadth of Cover Guarantee
Other
Are you owed insurance money? Business continuity assurance
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Local & offshore investing

Overview Local investing overview Offshore investing overview Guaranteed solutions Securities
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Local investing
Investment Platform: Momentum Wealth Local fact sheets Tax-free investing Retirement investing
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Wealth Matters Global events Other events
Offshore investing
Investment Platform: Momentum
Wealth International Offshore fact sheets Momentum Global
Investment Management Offshore investing guide Global matters
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Long-term savings plans

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Our savings products
Retirement savings plan Education savings plan Endowment savings plan
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Two-pot client support services Frequently asked questions Contact us
Resources for individuals
Brochures Forms Fund fact sheets
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Press releases Videos
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Estate planning

Overview Get your Will signed, sealed
& delivered at PostNet
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Estate duty calculator Frequently asked questions Contact us
Our services
Will drafting Estate cover Trust administration Deceased estate administration Momentum Estate Plan
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Never settle for the status quo

A couple sits with a financial adviser getting #AdviceForSuccess.

#AdviceForSuccess

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#MomentumFutures

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#SheOwnsHerSuccess

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#ScienceOfSuccess

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Build financial confidence for uncertain times

Wherever you are on your financial journey, speak to a Momentum accredited financial adviser and turn
uncertainty into confident steps toward your goals,
dreams and the future you’re ready to build.

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Medical aid

Get a quote in 2 easy steps.

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Life insurance

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Car & home insurance

Protects the things you love, and keeps you safe.

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Advised clients on average get 3% higher annual returns on their investments.

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83% of advised South Africans stay financially secure during tough times.

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Join the 90% of South Africans who get real value from financial advice.

Momentum branded image with a young man carrying his daughter in a piggyback while enjoying fun family time.

*Source: Financial Planning Institute, The Adviser Advantage

Partner with a financial adviser

Team up with a Momentum accredited financial adviser and discover the power of #AdviceForSuccess.

Together, you’ll create a personalised financial plan designed to help you stay laser-focused on turning your dreams into reality.

Interested in becoming a Momentum financial adviser? Learn more about available adviser career opportunities and how you can help clients achieve their financial goals.

For South Africans abroad, FinGlobal by Momentum provides expat financial advice, simplifying financial emigration and cross-border solutions.

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Solutions to help build your
financial dreams

Find affordable medical aid options for you or your family, starting from R589 per month.

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MEDICAL AID

Medical aid plans

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Secure your family’s future with affordable life cover and save up to 35% on your monthly premium.

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LIFE INSURANCE

Life cover

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Get flexible cover for your car and home and earn up to 30% cash back on your premiums yearly, even if you claim.

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SHORT-TERM INSURANCE

Car & home insurance

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Suitable investment solutions to meet your needs and build your wealth.

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INVESTMENTS

Local & offshore investing

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Save for retirement, a child's education and more with our savings plan options, and get rewarded for staying invested.

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SAVINGS

Long-term savings plans

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Protect your loved ones from legal and financial burdens upon death with Will-drafting and estate administration services.

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WILLS, TRUSTS & ESTATES

Estate planning

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Find affordable medical aid options for you or your family, starting from R589 per month.

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Medical aid

Medical aid plans

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Protect yourself from medical aid shortfalls and uncovered hospital costs from R259 per month.

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Medical Aid

Gap cover

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Join HealthReturns for free on any Momentum medical aid plan and earn up to R1 000 in HealthReturns monthly, for staying healthy.

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Rewards

HealthReturns

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Get flexible cover for your home and belongings and earn up to 30% cash back on your premiums yearly, even if you claim.

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SHORT-TERM INSURANCE

Home & Building insurance

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Get affordable car insurance and enjoy exclusive benefits, including free roadside, home, medical and legal assistance 24/7/365.

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SHORT-TERM INSURANCE

Car insurance

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Cover your business against unforeseen incidents, loss, or damage.

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Short-term insurance

Business insurance

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Join for free with your Momentum car and home insurance and earn up to 30% cash back on premiums yearly, even if you claim.

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Rewards

Safety Returns

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Secure your family’s future with affordable life cover and save up to 35% on your monthly premium.

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LIFE INSURANCE

Life cover

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Tailor your disability cover benefits to your needs with a lump sum payment, monthly payments or a combination of both.

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LIFE INSURANCE

Disability cover

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Guaranteed monthly income when you’re unable to work with income protection cover that helps you save monthly premiums.

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LIFE INSURANCE

Income protection cover

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Secure peace of mind with financial cover for in-and-out of hospital costs in the event of critical illness diagnosis.

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LIFE INSURANCE

Critical illness cover

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Get up to 35% off your monthly life insurance premium with LifeReturns quick in-App health screening.

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REWARDS

LifeReturns

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Offer guaranteed solutions to protect your retirement income against inflation, change in interest rates and more.

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INVESTMENTS

Guaranteed solutions

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Invest in your golden years with a range of retirement investment options and income solutions if you’re nearing retirement.

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INVESTMENTS

Retirement investing

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Benefit from our range of tax-free investment solutions to grow your funds.

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INVESTMENTS

Tax-free investing

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Diversify your investments with our market-leading offshore investment solutions to preserve and grow your wealth.

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INVESTMENTS

Offshore investing

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Save for retirement from only R500 a month with retirement annuities and long-term savings plans and reduce taxes on your saving.

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SAVINGS

Retirement savings plan

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Save for any long-term goal from R500 a month with 5-year savings plan options and get rewarded for staying invested.

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SAVINGS

Endowment savings plan

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Save for your child’s education from just R500 a month with education savings plans that reward you for staying invested.

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SAVINGS

Education savings plan

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Stay invested in a savings plan for 5 years and get rewarded with a bonus which pays back most of your administration fees.

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REWARDS

Loyalty bonus

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Secure your legacy with a complete solution combining Will drafting, estate protection, trust and executor services.

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WILLS, TRUSTS & ESTATES

Momentum Estate Plan

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Draft a free online Will and work with a financial adviser for a tailored, executable Will securely stored.

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WILLS, TRUSTS & ESTATES

Will-drafting

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Covers death-related costs, including admin fees at an affordable monthly premium.

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WILLS, TRUSTS & ESTATES

Estate cover

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Preserve your legacy for future generations with tailored succession planning solutions.

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WILLS, TRUSTS & ESTATES

Trust administration

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Get peace of mind with specialised services to correctly execute a Will and settle a deceased estate.

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Red illustration icon of a money bag surrounded by coins to cover the cash shortfalls of a deceased estate.

WILLS, TRUSTS & ESTATES

Deceased estate administration

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Join HealthReturns for free on any Momentum medical aid plan and earn up to R1 000 in HealthReturns monthly, for staying healthy.

Get a quote Learn more
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REWARDS

HealthReturns

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Get up to 35% off your monthly life insurance premium with LifeReturns quick in-App health screening.

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REWARDS

LifeReturns

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Join for free with your Momentum car and home insurance and earn up to 30% cash back on premiums yearly, even if you claim.

Get a quote Learn more
Red illustration icon of bag of money surrounded by coins representing cash back on car and home insurance premiums.

REWARDS

Safety Returns

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Stay invested in a savings plan for 5 years and get rewarded with a bonus which pays back most of your administration fees.

Find an adviser Learn more
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REWARDS

Loyalty bonus

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In the spotlight

  • FINGLOBAL

    Key tax updates for South Africans living abroad

    With the dust settled on the 2026 Budget, key updates like higher discretionary allowances and revised spousal donation rules remain important for your offshore tax strategy. See what it means for you.

    Learn more
  • LIFE INSURANCE

    Protection for the life you’re building

    Get meaningful protection that balances affordability with real financial security for your family. Secure R5 million life cover to plan with confidence and save on your monthly premium.

    Get your online quote
  • FINANCIAL ADVISER CAREERS

    Grow your own advice business

    Enjoy the freedom of entrepreneurship with the backing, tools and support of one of South Africa's leading financial services brands.

    Learn more
  • GUARANTEED ANNUITIES PORTFOLIO

    Reimagining retirement

    Manage retirement risks by securing part of your income for life with the Guaranteed Annuity Portfolio. It offers both certainty and flexibility in one smart retirement solution.

    Learn more
  • MOMENTUM TRUST

    The Momentum Estate Plan simplifies estate planning

    Say goodbye to complicated estate planning! Secure your legacy effortlessly with a solution combining leading Wills, trusts, and executor services with revolutionary estate protection.

    Learn more
View all blogs

Market-leading insurance rewards

Since she moved to Momentum, Lerato doesn’t have to pay a monthly subscription to start earning rewards – they’re included in each product! Discover ways to spend and maximise your HealthReturns, Safety Returns and LifeReturns rewards.

Young family of 4 playing with a soccer ball in the park. They have medical aid with Momentum Medical Scheme.
  • Medical aid
  • Car & home insurance
  • Life insurance

Medical aid

Through Multiply, Lerato earns up to R1 000 in HealthReturns each month with her medical aid.

Learn more
A young lady named Lerato, smiling with one ear plug in her ear, dressed in gym attire, saving on her medical aid, car insurance and life cover with Momentum rewards programmes.

Car & home insurance

By joining Safety Returns, Lerato can earn up to 30% cashback on her car insurance premiums.

Learn more
A young lady named Lerato, smiling with one ear plug in her ear, dressed in gym attire, saving on her medical aid, car insurance and life cover with Momentum rewards programmes.

Life insurance

With LifeReturns Lerato can save up to 35% on her life insurance premiums each month.

Learn more
A young lady named Lerato, smiling with one ear plug in her ear, dressed in gym attire, saving on her medical aid, car insurance and life cover with Momentum rewards programmes.
Shopping trolley icon

2 million

products held by retail clients

Family icon

R6,5 billion

paid in life claims during 2023

Employee icon

16 000 +

Momentum Group total employees

House and building icon

1,6 million

members and more than 6 800 corporate clients

Client success stories

My partner and I looked for medical aid schemes that fit our needs. When I saw the Momentum movement, I had to explore the medical scheme! I love how flexible it is and how it fits our budget. Also, the cash backs? I live in the gym and travel a lot, so earning on travel, fitness, and groceries is a plus. The benefits - plus doctors in our pockets 24/7 make it so essential in these times.

Matilda Molepo

Thank you for the outstanding service over the past 8+ years. From handling claims to inquiries, to being so persistent about downloading the Momentum App. I’ve now downloaded it and registered for safety rewards. I appreciate that you always have my best interests at heart. I honestly can’t imagine any other provider offering a better experience. You go the extra mile!

Kyle Reeves

Thank you for taking the issue of my Investo contract to heart. Being a disabled person, this means the world to me. After speaking to so many others about the compliance issues, you listened to my frustrations with sincerity.

Jesmine Johnson

Latest awards



Momentum Medical Scheme.

Health

Health

Scheme of the Year award



Momentum Health Solutions & Momentum Multiply

BHF

Health

Best innovator in Healthcare



Voted most watched masterclass for Outlook Pensions 2023 on AssetTVSA.

Asset TV logo

Investments

Asset TV Awards
2024

View all awards

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