Average contribution increase
Momentum Medical Scheme’s weighted average contribution increase for 2026 is 9.9%, with some benefitenhancements, effective from 1 January 2026. It is important to note that increases vary per option, andaccording to the providers chosen. Members can tailor their increases by taking advantage of features such asprovider choice. This will not only have a positive impact on the contributions payable but can also provide abetter match for their healthcare needs.
The following breakdown explains our average increase in more detail:
| 1. Consumer Price Inflation (CPI) | 4.5% |
CPI represents the starting point for determining contribution increases year-on-year. This reflects the2026 expectation of CPI.
Over the last few years, medical inflation has been estimated as CPI plus 3%. This considers demographic factors, including adverse selection and burden of disease, as well as supply side factors, which include advancements in medical technology and tariff increases negotiated with providers. All of which are integral when calculating the medical scheme increases for the following year
| 2. Impact of medical inflation, including new medical technology | 0.7% |
The impact of the above expected provider negotiation increases this component by 0.2%, whereas the allowance for new technologies increases this component by 0.5%. As a result, the above mentioned supply-side factors added a 0.7% strain on the Scheme’s increase for 2026.
| 3. Demographic profile change and burden of diseases changes | 2.9% |
Even if all else remains unchanged, a medical scheme’s membership would age with one year every year. With increased age comes increased disease burden, hence, to counteract the effect of an ageing membership, medical schemes are reliant on growing their membership annually with younger members.
| 4. Benefit changes and other | -0.2% |
Benefit enhancements and other adjustments, such as claims management efforts, resulted in a reduction of 0.2% in claims costs.
| 5. Reserve building | 2.0% |
Momentum Medical Scheme has experienced a solvency level above the legislated 25% requirement in2025. Reserves are there as a buffer to protect the Scheme’s members against once-off unexpected events. A portion of the contribution increase is used to ensure solvency levels are maintained to ensure it is comfortably above the legislated requirement with a sufficient buffer for future unexpected experience.
| The total 2025 average effective increase | 9.9% |
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Disclaimer: +Momentum Medical Scheme members may choose to make use of additional products available from Momentum Group Limited and its subsidiaries as well as Momentum Multiply (herein collectively referred to as Momentum). Momentum is not a medical scheme and is a separate entity to Momentum Medical Scheme. Momentum products are not medical scheme benefits. You may be a member of Momentum Medical Scheme without taking any of the products offered by Momentum.