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Momentum Gap Cover Contact Details

Verified 27 September 2026Official source onlyIndependent directoryPublished by Silas T Nkoana, Cape TownReport a wrong number

For Momentum gap cover, policy servicing queries go to MGCpolicyservicing@guardrisk.co.za, and Momentum Medical Scheme client service, claims and authorisations are on 0860 102 936. Momentum GapCover+ is a gap cover product for Momentum Medical Scheme members, underwritten by Guardrisk Insurance Company Limited; it is not a medical aid, and Momentum says it is a separate entity from the scheme.

For Momentum’s other products, see the main Momentum contact details page.

Momentum gap cover contact details at a glance

RouteDetails
Momentum Medical Scheme client service, claims and authorisations0860 102 936
GapCover policy servicing email (Guardrisk)MGCpolicyservicing@guardrisk.co.za
New GapCover applications (submit signed form)healthnewbusiness@momentumhealth.co.za
Momentum Health call centre (on GapCover application form)0860 11 78 59
WhatsApp (Momentum health-e bot)0860 117 859
Momentum Health member emailmember@momentumhealth.co.za
Momentum Medical Scheme ethics and fraud line0800 000 438 (24 hours)
Local emergencies082 911
International emergencies+27 11 541 1263
Client service hoursMonday to Friday 08:00 to 17:00; Saturday 08:00 to 16:00; closed Sundays and public holidays

Official Momentum gap cover route

Momentum’s gap cover page lists its contact details in a Momentum Medical Scheme client service panel. For questions about your GapCover policy, email the Guardrisk policy servicing mailbox, MGCpolicyservicing@guardrisk.co.za.

The panel’s business hours are Monday to Friday from 08:00 to 17:00 and Saturday from 08:00 to 16:00, closed on Sundays and public holidays. You can also WhatsApp Momentum’s health-e bot on 0860 117 859, or request a call back from the gap cover page on momentum.co.za.

GapCover product and claims support

Momentum GapCover+ comes in two options: GapCover Primary, the more affordable option, and GapCover Supreme, the more extensive one. Cover starts from R282 per month.

  • Cover level by scheme option: Ingwe, Custom and Evolve members are covered up to 400%, Incentive and Extender up to 800%, and Summit up to 1 200% of the Momentum Medical Scheme Rate.
  • Annual limit: shortfall benefits add up to a maximum of R219 800 per insured person per year.
  • Casualty benefit: up to R24 000 for accident-related casualty visits within 24 hours, limited to 5 visits per family per year.
  • Claims: shortfall claims are processed without a claim form, because the system picks up potential GapCover claims. Assist benefits on Supreme, such as cancer assist and accidental death or disability, need a claim form.

Eligibility and policy requirements

  • You must remain an active Momentum Medical Scheme member to stay eligible.
  • No dependants may be added if the principal insured is over 65 at application, or on Millennial GapCover.
  • A 12-month condition-specific waiting period applies to pre-existing conditions for individuals and groups under 20. It is waived for compulsory groups of more than 10 members.
  • Cover only becomes active once your medical aid is activated.

To apply:

  1. Speak to an accredited financial adviser, which Momentum recommends, and choose Primary or Supreme.
  2. Complete the 2026 Individual application form for GapCover.
  3. Email the completed and signed form to healthnewbusiness@momentumhealth.co.za.

Momentum’s address is 268 West Avenue, Centurion, 0157, and its postal address is PO Box 7400, Centurion, 0046. The underwriter is Guardrisk Insurance Company Limited, FSP No. 75, registration 1992/001639/06, at The Marc, Tower 2, 129 Rivonia Road, Sandton, 2146.

Escalation route

Momentum does not publish a separate gap cover escalation line. Put unresolved policy queries in writing to MGCpolicyservicing@guardrisk.co.za and keep the reply. To report suspected fraud or unethical behaviour, use the Momentum Medical Scheme ethics and fraud line on 0800 000 438 or MomentumMedicalScheme@tip-offs.com, available 24 hours.

For other gap cover and medical aid providers, see the insurance and medical aid hub or the insurance directory M listings.

Frequently asked questions

What is the Momentum GapCover email address?

Policy servicing queries go to MGCpolicyservicing@guardrisk.co.za. New applications go to healthnewbusiness@momentumhealth.co.za.

Do I need a claim form for Momentum gap cover?

Not for shortfall claims, which are picked up automatically. Assist benefits on GapCover Supreme need a claim form.

Who underwrites Momentum GapCover?

Guardrisk Insurance Company Limited, FSP No. 75.

How much does Momentum gap cover cost?

Momentum says GapCover starts from R282 per month.

Sources

  • Momentum, Gap cover: momentum.co.za/momentum/personal/medical-aid/gap-cover, read 2026-09-26
  • Momentum, Focus on Momentum GapCover 2026 (PDF): content.momentum.co.za, read 2026-09-26
  • Momentum, 2026 Individual application form, GapCover (PDF): content.momentum.co.za, read 2026-09-26