2026 Rules Active
2026 Strategy Validated
Ingwe Any-Hospital (Penalty-aware)
Ingwe Any-Hospital (Penalty-aware) strategy verified
Covering 1 family members
2026 rates applied
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Actuarial Strategy Reference
This strategy is generated based on the 2026 Council for Medical Schemes (CMS) registered rules and actuarial pricing matrices.
VERIFIED: 2025-12-20 | SOURCE: SCHEME_BENEFIT_GUIDE_2026
Similar Situations
Key Terms Explained
Key Terms for this Strategy
- Elective Procedure Co-payment
- A mandatory upfront fee you must pay to the hospital for specific scheduled surgeries that are not emergencies. [Source: Council for Medical Schemes Official Benefit Rules]
Common Questions
Can I use any hospital on the Momentum Ingwe option? [Ingwe Any-Hospital (Penalty-aware)]
No, if you choose the Ingwe Network option, you must use hospitals in the Ingwe Network. Using a non-network hospital will result in a 30% co-payment. Strategy reference: ard-2026.
Is cancer treatment covered in private hospitals on Ingwe? [Ingwe Any-Hospital (Penalty-aware)]
No, on the Ingwe Network option, oncology (cancer) benefits are limited to Prescribed Minimum Benefits (PMBs) at State facilities only. Strategy reference: ard-2026.
Do I have to pay for casualty visits? [Ingwe Any-Hospital (Penalty-aware)]
Yes, there is a R110 co-payment per visit. The benefit is limited to 1 visit per beneficiary per year (maximum 2 per family). Strategy reference: ard-2026.
Are my chronic medicines covered at Dis-Chem or Clicks? [Ingwe Any-Hospital (Penalty-aware)]
No, for the Ingwe Network option, you must obtain chronic medicine from Ingwe Primary Care Network providers or State facilities. Strategy reference: ard-2026.
How many specialist visits can I have? [Ingwe Any-Hospital (Penalty-aware)]
You are limited to 2 specialist visits per family per year, reimbursed up to R1,425 per visit. A referral from your network GP is required. Strategy reference: ard-2026.
Is dentistry covered? [Ingwe Any-Hospital (Penalty-aware)]
Yes, basic dentistry (fillings, extractions, cleaning) is covered at network dentists. Specialised dentistry like crowns or bridges is not covered. Strategy reference: ard-2026.
What happens if I need an MRI scan? [Ingwe Any-Hospital (Penalty-aware)]
For the Ingwe Network option, MRI and CT scans are limited to Prescribed Minimum Benefits (PMBs) and must be performed at State facilities. Strategy reference: ard-2026.
Does Ingwe cover pregnancy? [Ingwe Any-Hospital (Penalty-aware)]
Yes, the maternity programme covers 7 antenatal visits, 2 scans, and 1 paediatrician visit, provided you register on the programme. Strategy reference: ard-2026.