Momentum Health Empowers South Africans to Take Charge of Their Wellbeing with 2026 Product Enhancements

Damian McHugh, Chief Marketing Officer at Momentum Health

Momentum Health has unveiled its 2026 product enhancements, reinforcing its commitment to empowering South Africans to live healthier lives while managing financial pressures. The latest benefits introduce innovative solutions and integrated digital tools, enabling members to reduce out-of-pocket expenses and earn up to R1,000 back per month through initiatives such as Health4Me, HealthSaver, HealthReturns, and Multiply.

The enhancements include features that allow all members to reduce contributions by actively engaging in their health. These new initiatives come at a critical time for the medical scheme industry in South Africa, as chronic disease burden and claims utilisation continue to rise.

From Passive Patients to Active Participants

Momentum Health is leading a shift in how South Africans engage with their health, updating benefits to support proactive wellness. Grounded in the belief that health is your wealth and most important asset, Momentum Health encourages members to take ownership of their wellbeing, supporting a culture of wellness that benefits individuals, families, and the nation at large.

“Our goal is a healthier, thriving South Africa,” says Damian McHugh, Chief Marketing Officer at Momentum Health. “We’re not just offering medical aid; we’re leading a movement towards better health, supported by practical tools and rewards that make wellness achievable.”

Tailored Plans to Meet Individual Needs

Recognising that each member’s health journey is unique, Momentum Medical Scheme offers a range of flexible plan options tailored to fit diverse lifestyles, budgets, and healthcare needs. Whether you are a student, a young professional, or a parent supporting a family, Momentum Health’s solutions meet you where you are. The Scheme allows members to choose benefits that align with health priorities without compromising on quality or affordability.

“Our product design is centred on personalisation,” says McHugh. “We want members to feel confident that their medical aid is working for them, delivering real value and supporting their choices.”

Empowering Wellness Through Product Innovations

With a proposed average weighted 9.9% annual contribution adjustment for 2026, Momentum Health’s benefit enhancements are designed to help members take proactive ownership of their health while prioritising value and long-term stability. This adjustment reflects industry-wide trends such as medical inflation and rising utilisation, which continue to drive up healthcare costs. All members have the ability to earn more than R1000 per adult in their family per month, reducing their total spend significantly.

“In today’s economic climate, we understand the pressure South Africans face,” McHugh notes. “Our focus remains on delivering solutions that improve health outcomes and help members manage their healthcare costs more effectively.”

Health4Me: Affordable, Scalable, Smarter

Momentum’s Health4Me, the nation’s leading open-market health insurance solution, has grown by 20% in the past year and now covers over 200,000 members. In 2026, Health4Me will introduce AI-driven digital triage via Hello Doctor, streamlining access to care and enhancing patient-doctor interactions. A new AI-powered virtual assistant will offer a 90-second symptom checker, guiding members to appropriate care pathways instantly. These enhancements demonstrate Momentum Health’s commitment to using technology to make healthcare more accessible and effective.

“Our digital innovations help members get the right care at the right time, reducing delays and unnecessary costs,” McHugh explains.

Prioritising Healthspan Over Lifespan

The Multiply incentivised health and wellbeing programme continues to evolve, focusing on improving quality of life, not just longevity. With lifestyle diseases rising sharply in South Africa, Multiply empowers members to take proactive steps to improve their health and reduce the burden and cost of chronic disease.

Central to this evolution is the Multiply Wellness Booster, a targeted offering designed to support older members within employer groups who may be at greater risk of chronic conditions. By combining digital health assessments, personalised coaching, and gamified incentives, the Wellness Booster helps members take meaningful steps toward better health outcomes. Tools such as the Healthy Heart Score, a five-minute step test, and a facial scan provide real-time insights into cardiovascular and fitness health, critical indicators for ageing populations.

These insights feed into a tailored digital coaching journey, supported by AI-driven platforms like Wysa. The programme encourages members to improve how they eat, sleep, move, breathe, and connect, while earning up to 75% back from Multiply partners and up to R1 000 in monthly HealthReturns.

“Ageing is inevitable, but how you age is not,” says McHugh. “Multiply equips members to take control of their health, overall quality of life and reap substantial, tangible rewards for doing so.”

HealthReturns Rewarding Every Step of Your Wellness Journey

HealthReturns remains integral to Momentum Health’s value proposition, enabling members to earn up to R1,000 per month for engaging in healthy behaviours such as fitness assessments and activity goals specific to the individual. These rewards, paid into HealthSaver accounts, can be used for medical scheme contributions, gym memberships, healthcare provider fees, or purchases from selected Multiply partners-helping members reduce monthly expenses while improving their health.

“HealthReturns recognises and rewards the effort people invest in staying well. It is about prevention, empowerment to change habits for lasting impact, personalisation, and meaningful recognition,” says McHugh.

Flexible Funding for Healthcare Needs

HealthSaver is a tool that allows members to pay for healthcare expenses not covered by their medical aid. Members can use it for monthly contributions, gym memberships, doctor consultations, optometry, dentistry, over-the-counter medication, and purchases from selected Multiply partners. By integrating HealthSaver with other Momentum Health benefits, members can prioritise their wellbeing without additional financial strain.

A Commitment to Affordable, Empowering Healthcare

Momentum Health’s 2026 product offering reflects its continued dedication to supporting South Africans with solutions that prioritise both health and financial wellbeing. By enhancing benefits, integrating broader digital support, and boosted rewards, Momentum Health enables members to take greater control of their wellness journey, affordably.

“With flexible options, integrated digital tools, and tangible rewards, we’re partnering with South Africans to build a healthier, more resilient nation,” concludes McHugh. “Our approach is grounded in innovation, real value, and a long-term vision for wellbeing. Ultimately, helping members live healthier lives today while building resilience for tomorrow.”