CMAC Klerksdorp

20/05/2026

YOUR CHILD AS PRINCIPAL MEMBER ON MOMENTUM HEALTHDid You Know?

💡
Approximately 15% of South Africans do not have access to medical aid. This translates to about 15.7million people in the country, relying on government hospital and clinics for health care. ( Google search)

💡 Did You Know? 💡
Enquiries relating to child‑only medical scheme membership have become increasingly common. This trend is largely driven by affordability considerations and evolving family dynamics, such as single‑parent or no‑parent households.

💡 Did You Know? 💡
A child doesn’t need to be a dependant!
Children can hold their own Momentum Medical Scheme membership as principal members—on ANY option.

At Momentum Medical Scheme, we are guided by prevailing membership regulations, however we are able to offer affordable alternatives by allowing children to join the Scheme as principal members, subject to the requirements outlined below.

Child Dependent as a Principal Member
A parent, legal guardian or third party may apply for a child to be registered as the principal member on their own Momentum Medical Scheme membership.
Please note that the principal member contribution rate will apply, rather than the child dependant rate.
Ingwe option is our most popular offering for children – from R645pm – it provide affordable access to entry-level cover (including Day-to-day, Chronic & Hospitalisation benefits)

Required Documentation
To consider the application, the following documents are required:
· A fully completed Individual Application for Membership form, signed by the biological parent(s), legal guardian or third party.
· A letter from the biological parent(s) or legal guardian explaining:
o The reason for the child being registered as a principal member
o The whereabouts of the biological parent(s) and providing consent for the child to apply for membership
o Where the biological parents are deceased or their whereabouts are unknown, the applicant must provide consent for the child’s membership.
· A copy of the minor’s identity document, birth certificate, or passport.
· A copy of the contribution payer’s identity document.
· A copy of the identity document of the parent, guardian, or third party who signed the application, if different from the contribution payer.
· Proof of school or study registration, where applicable.
· If the Ingwe option (lowest income bracket) is selected, a Declaration of Income for New Membership Application form must be completed for the minor.
Please note that the normal year‑end revision process for Ingwe members will apply.

CALL ME FOR ADVISE IN THIS MATTER
018 468 7402

14/05/2026

SIRAGO GAP COVER offers you PEACE OF MIND that the hidden unpaid medical scheme costs during hospitalisation will be covered.

Call me for advice or assistance: 018 468 7402

04/03/2026

NEW DISCOVERY HEALTH PHF BOOST:

A new once off Personal Health Fund Boost - Once off additional boost going live effective 01 May 2026.

R1 000 per beneficiary up to R6 000 per family this is additional to the Personal Health Fund Advance.

· Activate Personal Health Pathways
· Enable Sleep and Physical Activity Tracking
· Complete a Health Check in 2026

23/02/2026

STRATUM GAP COVER: The preventative care benefit in focus

13/11/2025

PROSTATE CANCER MYTHS

20/10/2025

STRATUM GAP COVER 2026

13/10/2025

PROFMED 2026 :

BENEFIT CHANGES AND PREMIUMS

Empowering Bold Futures for South Africa’s Professionals: Benefit Enhancements, Partnerships & 2026 Outlook.Welcome to the Profmed 2026 Showcase, a celebrati...

09/10/2025

DISCOVERY HEALTH 2026:

INCREASE/ PLAN CHANGES/NEW PLANS/NEW BENEFITS

08/10/2025

SIZWE HOSMED UNDER PROVISIONAL CURATORSHIP:

On August 2025 Sizwe Hosmed was placed under Provisional Curatorship since there solvency levels has continued to decline to below the regulated 25% according to the CMS. In the case where solvency levels falls below 25% the medicals cheme has to submit business plans to the CMS as necessary pre determined plan how to rectify the situation.

The reason for the the Provisional Curatorship is because of the fact that Sizwe Hosmed already submitted three business plans on 10 February 2023, 28 April 2023 and 10 October 2023 respectively, that were rejected dua to inadequate information and inaccurate forecasts and assumptions compared to the actual experience. The fourth business plan was submitted on 23 September 2024 after the scheme has changed there actuaries and finally approved on 4 December 2024.

The scheme was placed under Statutory Management effective 11 July 2024 that provided regular reports to the CMS. The Statutory Manager's report August 2025 dated 15 August 2025, concluded that the Scheme was facing severe financial and operational distress, marked by critical solvency issues, regulatory non-compliance, member losses and unstable claims.

Solvency levels for June and July 2025 were only 5.6% and 6.62% respectively.

In order to protect the best interests of beneficiaries, the CMS had to act swiftly and brought the curatorship application on an urgent basis. The Curator will replace the whole Board of Trustees and will work under the direction of the CMS.

WHERE DOES THIS LEAVE EXISTING MEMBERS?

Experience dictates that in most instances rumours on social media of Financial and Operational distress of a Medical Scheme will firstly lead to an uncontrolled outflow of young and healthy members to alternative medical schemes that will negatively impact the claims ratio of the scheme. Normally the young and healthy low claimer members will subsidise older higher claimer members. Secondly, service providers may reject service to members of the applicable scheme and also may implement a cash and claim back policy because of the financial risk to them for unpaid claims . Members may also experience (without prior notice) that hospital authorisations are processed differently than those of other medical schemes.

Unfortunately, when younger members and families decides to leave the medical scheme the older high claimer members with chronic conditions and expensive treatment plans are left on the scheme. The reason for this is because of the fact that underwriting will be imposed e.g. waiting periods and lifelong Late Joiners Penalties (LJP) when they move from Sizwe Hosmed to any other open medical scheme.

WHAT ADVISE WILL I GIVE TO THESE MEMBERS?

1. Do NOT cancel your membership with Sizwe Hosmed especially since the scheme was placed under Provisional Curatorship by the CMS to try and MANAGE THE SCHEME OUT OF FINANCIAL DISTRESS and also to benefit beneficiaries. When you cancel you will put yourself and your dependants at risk during when a individual underwriting are imposed with waiting periods and where you may have an extra financial burden when lifelong LJP's are imposed. I'll advise that you wait and see what positive results will come from this. Please do not listen to over eager Brokers who are not taking you and your family's wellbeing to heart and are only interested in the commission they may receive.

2. Normally, in the case where the approved Statutory Manager will not be able to manage Sizwe Hosmed out of Financial distress, the Council of Medical Schemes (CMS) will get involved with a possible amalgamation/s with other open medical schemes who will be willing to accept the remaining Sizwe Hosmed members with the risk involved. In this case the new medical scheme may decide to accept all remaining Sizwe Hosmed members without underwriting e.g. waiting period etc. that will benefit all remaining members. Members will then migrate to the available options on the new scheme and all treatment plans will be accepted and can be registered on the new plan.

In another possible scenario were no open medical schemes is willing to accept all the remaining Sizwe Hosmed members because of the possible claims risk involve, one or more open may provide a Window Period where remaining member's can join within a predetermined period. It will be difficult to predict what underwriting may be imposed by each individual medical scheme. In both cases the CMS will see to it that the wellbeing of Sizwe Hosmed's members are high priority.

3. In the case where you have children or young adults on your Sizwe Hosmed membership I will advise you to de-register them to apply as principal members to any other open medical scheme that will suit there needs. The reason for this advise is because of the fact that medical schemes will in most instances accept young and healthy members WITHOUT any waiting periods.

WHAT IS UNDERWRITING?

When moving between open medical schemes members are underwritten according to Catagory A,B or C. Mostly older members on Sizwe Hosmed will be Catagory C, meaning that they have been members of the scheme for longer than 24 months without a lapse of membership of more that 90 days. Lifelong LJP's are imposed on the bases of years without membership to a registered SA medical scheme backdated to age 35. The percentage imposed will be the amount of years without membership and are individually imposed e.g.
- 0-4 years=5%
- 5-14 years=25%
- 15-24 years=50%
- 24+ years=75%

For any information or advise please call Dr. Pikkie Kok at 018 4687402 or 082 226 5981

08/10/2025

SIRAGO EXACT COVER PLAN 2026:

In general medical scheme members are NOT aware of the fact that certain in-hospital procedures may be excluded from benefits or may be short paid on your specific medical scheme option.

This specifically, may be true to lower and more affordable medical scheme options like income based options, hospital plans and certain lower comprehensive plans. For example - in most instances these options will not cover any planned joint replacement surgery. Therefore, members will have a out-of-pocket expense or will need to upgrade to a more expensive option. The next alternative will be to change to a medical scheme that will cover the procedure. This may lead to a unplanned Financial burden or the risk of waiting periods imposed because of a planned procedure.

These procedures may include the following:
- Arthroscopic surgery
- Back, Neck, Shoulder and Knee surgery
- Cochlear implant, Auditory Brain Implant, Internal Nerve Stimulator surgery
- Dental Procedures for reconstructive plastic surgery due to accident
- Dental procedures for impacted wisdom teeth for children
- Functional Nasal Surgery
- Joint replacement surgery
- Oesophageal Reflux and Hiatus Hernia Surgery
- Varicose vein surgery
- MRI & CT scans due to accident
- Skin disorders including benign growth and Lymphomas
- Non-cancerous breast conditions
- Tonsillectomy, Grommets & Adenoidectomy etc.

In most cases members that are on affordable options cannot afford more comprehensive options that will provide cover for these procedures. Therefore, they and there dependants are at risk and will have to pay for the costs involved to these procedures out-of-pocket.

GOOD NEWS!

With SIRAGO's Exact Cover Plan you will have the PEACE of MIND that these costs will be covered by the Exact Cover plan to a specified annual rand value. Members on affordable plan that are affected by these in-hospital exclusions may therefore be able to stay on there current plans and may not need to upgrade to more expensive plans. The Exact plan offers a Overall Annual policy limit of R223,000.00 per beneficiary on this plan.

At ONLY R227 (+ R30 broker fee) per Individual or R270 per family (+R30 brokers fee) the Exact Cover Plan is very much affordable to cover these Medical Scheme exclusions. All members ages 0-64 may join the plan.

For any enquiries please call Dr. Pikkie Kok of CMAC at 018 468 7402 or 082 226 5981