Momentum Reviews 

Worst scheme in the world! Stay away from these people! GPs will send you lawyers before they pay for anything. Refund takes 3 months of back and forth. They will tell you your hospital visit is not the type of accidents they cover and won’t pay. Save yourself the trouble!

Very poor and unprofessional service. It's gone three weeks and momentum retirement fund is unable to validate my banking details. I called six times and the agents they encountered a system error which they couldn't elaborate on.

Momentum is currently calling hospitals to get the help we need for my mother that’s currently incorrectly admitted which had a burst aneurysm causing immediate stroke and brain bleed which is covered by momentum health insurance help us get the help we need to save my mom

Momentum Student Medical Aid has been a disappointing experience. I filed a claim and was rejected. The medical aid is extremely limited and can only be used at a small number of facilities, many of which are located in areas that are not easily accessible or do not inspire confidence. It feels like international students are left with very few practical healthcare options.

For a product marketed to students, especially international students who are unfamiliar with the healthcare system, there should be a wider network of reputable doctors and healthcare facilities. Unfortunately, this has not been my experience.

I sincerely wish there were better medical aid alternatives available for international students in South Africa, as this option has offered very little value in terms of convenience and accessibility.

Momentum, this is unacceptable.
I am currently unable to submit my SARS tax return because of an issue originating from Momentum.
After consulting my tax practitioner, I have been informed that the directive numbers on the tax certificate issued by Momentum appear to be incorrect and/or the required IT3 information has not been submitted correctly. As a result, SARS eFiling displays "Outstanding Recognition of Transfer," preventing me from submitting my tax return.
I have sent numerous emails, made several phone calls, and even requested a callback. The only response I have received is that I must email the tax department and wait up to seven working days for feedback—despite this appearing to be an error on Momentum's side.
I find it unacceptable that I am prevented from meeting my SARS obligations because of an issue that I cannot resolve myself.
Momentum, I am asking for immediate intervention to correct this matter, not simply an acknowledgement or a promise of feedback.
If this issue is not resolved urgently, I will be escalating the matter through the appropriate regulatory channels and will continue making this matter public until it is addressed.
I hope Momentum chooses to resolve this promptly.
Isabel Pitout
Cell. 076 175 7967

I am extremely disappointed with Momentum's handling of my child's medical needs.
I chose Momentum because of its generally good reputation; however, my recent experience has been deeply upsetting and unacceptable. My 6-year-old daughter is struggling to breathe and requires urgent medical treatment due to a serious respiratory condition. To make matters worse, after extensive engagement with the clinical department, a representative, Renata M., allegedly proceeded to cancel my child’s membership and remove her from the medical aid.
Despite my daughter being assessed by a pediatrician who recommended hospital admission, Momentum refused to authorize the admission. As a parent, it is heartbreaking and incredibly stressful to watch your child suffer while facing delays and obstacles in accessing necessary medical care.
I expected compassion, urgency, and support during a medical emergency, especially when a specialist had already evaluated my child and determined that admission was required. I pay for medical aid coverage in good faith and expect my family to receive the care we need when it matters most. Rather than denying treatment, a more reasonable and compassionate approach would have been to ensure my child received the required care first and address any administrative or funding concerns afterward.
This experience has left me feeling completely let down and has caused me to question whether Momentum truly supports its members during times of genuine medical need. Based on this experience, I would not feel comfortable recommending Momentum to family, friends, or colleagues.
I sincerely hope Momentum urgently reviews this matter and improves its processes for handling serious pediatric medical cases. No parent should have to fight for medical care while their child is struggling to breathe.
I request that Momentum contact me directly regarding this matter. If a satisfactory resolution is not reached, I intend to escalate my complaint to the relevant healthcare regulatory and consumer authorities for further investigation.
Contact Details:
Sumathie Raman
A child’s health and well-being should always come first.

Poor service on retirement annuity transfer — 4+ months for a routine process
I submitted a request on 18 February 2026 to transfer my retirement annuity from Momentum, as part of consolidating three other annuities into one fund. The other two providers involved processed their transfers promptly. Momentum only concluded the transfer on 25 June 2026 — over four months later — despite no complications on my end.
Communication was the biggest problem. Emails seemed to land in a shared pool, so I never dealt with the same person twice — different staff would pick up the query at different times with no continuity. Every response took at least 10 days, regardless of how simple the question was. Momentum also repeatedly asked the receiving pension fund to re-prove its authorisation, which added further delays to what should have been a routine transfer.
If you're considering Momentum for retirement products, be aware that they do not deliveran acceptableservice, with poor communication along the way.

Since Momentum took over Bonitas, it's a great mess.
I am on Biological Drug Infusion every 8 weeks.
It was authorized by Med Sceme May 2026.
Been trying for two days to get my medicine processed as they now request a R5000 payment.
We were told all benefits stay the same, well phones are not even being answered. I've now been holding on over an hour for an agent!

I'm writing this review with so much gratitude towards Alica Malakoane one of your customer service agents, oh that lady deserves a bonus. Alica assisted me so gracefully, I’ve been struggling since Monday 06/01 to get authorization and all your agents that assisted me were not able to do anything for me but when I spoke to Alica yesterday 06/04 she made sure I got the help I needed and I got my authorization in the same day. Agents like her needs to be applauded

Dealing with Momentum has been one of the most frustrating and disillusioning experiences imaginable. They turned a straightforward insurance process into months of delays, contradictions, false hope and what felt like calculated obstruction.
After dragging the process out for months and repeatedly verbally indicating that a payout was still possible, the claim was ultimately denied and the car deemed as undrivable.

However after getting the car assessed by an independent mechanic, it was determined that
the damage was relatively minor and cheap to fix, around R5k. A perfectly salvageable vehicle was nearly written off entirely while my family was expected to absorb the financial fallout.

The assessment process raised some serious concerns. How can a working vehicle be written off for minor damage? And to make matters worse, after insisting the vehicle was effectively worthless there was immediate interest from the assessment yard for acquiring the vehicle for a fraction of its actual value. Its extremely difficult to not question the motives behind the insurers and associated assessment yards where they appear to benefit more from taking possession of vehicles than from fairly resolving claims.

Momentum turned an already stressful situation into an exhausting battle that left us financially exposed and deeply disappointed.
We were met with delays, evasiveness, poor communication, questionable assessments and a process that felt designed to wear us down until we simply accepted our losses.

I would strongly caution anyone against even considering Momentum. I highly recommend to document absolutely everything, and never ever assume verbal assurances will mean anything when it comes time to claim.

I am writing this to express my frustration as a client who has been given vague updates regarding a claim that I made for my provident fund 6 months ago. There was no word from the company and after a month I called to follow up only to realize that they required a ROT document without making me aware that it was not received . Upon arranging that and sending it to them personally ,I was advised to wait 3-5 days for my claim to be processed and I still havent heard from momentum corporate. I contacted their call centre and spoke to 2 clueless agents who put me on hold over 20 minutes on the call. The agent promised to call me back and she did not. This claim was submitted in October 2025 . We are now in March 2026 and still no clear direction regarding my claim. 6 months of waiting and nothing from Momentum and then they claim that clients are hard to deal with? Disgusting service!

I am extremely disappointed with Momentum’s handling of my Critical Illness Benefit claim.
Despite having a serious medical condition supported by medical reports, Momentum declined my claim on the basis that my condition is “not severe enough.” This is despite the policy explicitly providing for severity levels and partial or early benefit payments intended to give members access to assistance before conditions deteriorate further.

In practice, the policy has been applied as an “all-or-nothing” arrangement. Unless a member is completely incapacitated or significantly worse off, no assistance is offered. This defeats the stated purpose of the policy and penalises members who are responsibly managing their health to prevent further complications.

As a parent with dependants, I find it deeply concerning that proactive medical care is effectively ignored, and support is withheld until a person’s condition worsens. This has caused significant financial and emotional strain.
I am currently escalating this matter to the Ombudsman, as I believe Momentum’s interpretation is unfair and inconsistent with the intention of the policy.

I am extremely disappointed with the service I have received regarding my provident fund savings component withdrawal.

I submitted a withdrawal request four days ago and received no communication or confirmation. After multiple follow-up calls, it was discovered that my email address on record was incorrect. I provided the correct details and requested that the original communication be resent, but this only happened several hours later after another follow-up call.

The email I eventually received did not include important information such as the withdrawal date, confirmation of my selected option (withdrawal from the savings component only while leaving the vested component), or any reference number or tracking details. I was then informed that the process could take close to a month, which was not clearly communicated when I was encouraged to proceed with the withdrawal.

I have repeatedly asked for clarity on the status of my withdrawal, whether any documents are outstanding from my side, and how to track the progress of my funds, but I have not received clear answers.

I am currently in urgent need of these funds and would appreciate urgent intervention, clear communication, and confirmation of the status of my withdrawal.

When I login the personal profile not FundsAtWork. I cannot see any details just a message under Employee benefits saying "no active contracts " does this mean you've taken the money I contributed in the fund. This requires an intervention from PFA

Toward the end of Dem 2025 we submitted a claim due to storm damage causing the electricity to dip several time. Regrettably this seemed to damage 1 x television set and the driveway entrance gate motor. With the television set great work solved within 3 days. However when it cane to gate motor our troubles started. Momentum sent an accessor to check on his inspection it was established just needs reprogramming. On his finding we brought in a local company ( future electronics) its is now been established that this gate motor needs to replaced as it cannot be reprogrammed after several attempts. This written report was sent to Momentum Regrettably they didn't agree with Future electronics and subsequently got a third company (Jap security) to do another assement which we agreed to. On there findings it was established that Gaye motor needs to replaced. We have submitted to momentum written reports from these 3 companies. After all these issues and visits momentum now says they cannot honor the claim due gate motor nit covered. My point did they not know this on the day we submitted the claim.

Member: 922926547
Naeem bekko
I initially wanted funds on my account, when I reached out the agent helped me changed my username, from that time I couldn’t access my account and I still didn’t get any statement or couldn’t see any funds in my account, I’ve been going around in circles with no help. I have not been having a great time to be honest I just want this stuff sorted. How do you get passed around to different departments that cannot help, how is this customer service? All I wanted is access to see my funds, now I can’t access my account and still don’t have any proof that I have funds whereas I know I’ve been paying provident every month

Good evening,
I am writing to formally lodge a complaint regarding the ongoing delay in the payout of my Provident Fund.
I have been waiting for my Provident Fund payment since 7 December last year, and to date, I have still not received the funds. Over the past months, I have contacted Momentum numerous times to follow up on this matter. Each time I call, I am informed by consultants—most frequently Shane—that there is an IT system issue which has allegedly been escalated via email. I am told that either Michelle or Shamin will attend to the matter. However, no progress has been made.
What is most frustrating is that:
I have never received any official communication (SMS, email, or call) explaining the IT issue.
I have not been informed whether the issue has been resolved or when it will be resolved.
I am forced to call daily, wait on long hold times, and repeat the same story without receiving any concrete assistance or timelines.
The service I have received has been extremely disappointing and stressful. I rely on this money to cover my basic living expenses and bills. It is very troubling that while contributions are deducted every month without fail, accessing one’s own money becomes such a prolonged and exhausting process.
I kindly but firmly request:
A written explanation of the exact issue causing the delay.
A clear and realistic timeframe for when my Provident Fund will be paid out.
Immediate escalation of my case to a senior consultant or manager who can resolve this matter urgently.
I trust that Momentum values its clients and will treat this complaint with the seriousness it deserves. I look forward to your urgent response and a swift resolution.
Yours sincerely,
Tsevhudzo

My experience with Momentum Pension Fund has been profoundly disappointing and frankly alarming for an institution entrusted with people’s long-term financial security.
I have had an unresolved query outstanding for over 90 days, with no meaningful feedback, no sense of urgency, and no ownership taken by any representative. Despite repeated follow-ups, emails, and attempts to obtain clarity on required documentation, I have been met with silence or generic responses that do not address the issue at hand.

What is most concerning is not simply the delay, but the complete absence of accountability. At no point has anyone taken responsibility for resolving the matter, escalating it, or even providing a realistic timeline. For a financial services provider that manages pension funds — which are critical to people’s futures — this level of service is unacceptable.

Professionalism, responsiveness, and transparency are fundamental in this industry. Unfortunately, my experience reflects the opposite. It appears that customers are left to chase endlessly for assistance, with no assurance that their concerns are being handled competently.
I had expected far better from a well-established financial institution.

Regrettably, I cannot recommend Momentum Pension Fund based on my experience. I sincerely hope management reviews their internal processes and customer service culture, as this is not the standard that clients deserve.

Momentum LifeReturns® is fraudulent

The pseudoscience and generated data "assessment" is not medically, clinically, or scientifically possible.

A mobile device cannot accurately determine BLOOD PRESSURE, BMI, RESPIRATORY RATE (VISIBLE CHEST RISE & FALL), PULSE RATE, SPO2%, OR FITNESS CAPABILITY without external data or evaluation tools (data which is normally collected or provided by an accredited and professionally capable human).

The subsequent incorrect information relating to medical health and physical fitness correlate directly to monthly discount on premiums, which is tantamount to medical and financial fraud - incorrectly applying flawed data as factual and imposing discriminatory punitive adjustments on client / customer premiums where losses on discounts are suffered.

It is fraud to the highest degree. I have reported it to the ombudsman and sought external counsel.

Useless company, they cant even perform basic task like give you a list of gps. I've never been able to log into the app but I've been with momentum for 10years. Enough is enough. Will definitely be moving

Momentums customer care team is useless AF!
It's been more than 3 months and they still haven't paid out my funds at work claim, they always got stories.
Shoneez is pathetic and seems like everyone wants to protect her because when you ask to speak to her manager about the issue, they say sure they will transfer you through but then you end up being a clown to them since you wait for more than 5 minutes without anyone taking your call.
Typical insurance company, quick to take our money but will find any excuse to delay payouts