Damian McHugh, Chief Marketing Officer of Momentum Health

With household budgets under pressure, healthcare affordability is understandably top of mind for many South Africans. When reviewing medical cover, it is tempting to focus only on the monthly contribution. But the total cost of healthcare can also include co-payments, benefit limits, shortfalls and the cost of treating health concerns that may have become more complex over time.

While no one can predict every health issue, there are practical steps people can take to better understand their health, seek advice earlier and make more informed decisions about their care. These habits do not require perfection or major lifestyle changes. Often, they begin with small, consistent actions.

Know your numbers

Many health risks develop quietly in the background of everyday life. High blood pressure, elevated cholesterol and changes in blood sugar can often be present before someone feels unwell. A regular health assessment or screening can provide a useful snapshot of indicators such as blood pressure, weight, cholesterol and fitness level.

“The purpose of regular health screenings is not to create anxiety, but to give people information they can act on. Identifying a potential concern early gives you the opportunity to speak to a healthcare professional, make manageable lifestyle changes or monitor your health before a problem becomes more serious,” says Damian McHugh, Chief Marketing Officer of Momentum Health.

South Africa’s National Strategic Plan for the Prevention and Control of Non-Communicable Diseases identifies prevention and early detection as important in reducing the impact of conditions such as hypertension, diabetes and heart disease. A screening cannot prevent every health concern, but it can provide a clearer picture of your current health and help you decide on the right next step.

Make movement part of your routine

Physical activity does not need to mean expensive equipment or intense daily workouts. A regular walk, a gym session, a home workout or choosing to be more active during the day can all contribute to overall wellbeing.

The value lies in consistency. Building movement into everyday life can support energy levels, stress management, sleep and long-term health. It can also be more affordable than many people realise, particularly where gym discounts, community facilities or simple outdoor exercise are available.

Don’t delay asking for advice

Busy schedules, transport costs and the inconvenience of waiting rooms can lead people to put off getting healthcare advice. However, delaying a question or symptom can make it harder to make the right next decision.

Digital healthcare is helping to remove some of these barriers. A phone or virtual consultation can offer a convenient starting point, helping people understand whether they need further treatment, monitoring or an in-person appointment. It is not always a replacement for seeing a doctor in person, but it can make it easier to seek guidance sooner.

“Momentum Health’s Hello Doctor service, for example, gives eligible members 24/7 access to doctors by phone, illustrating how digital support can fit more easily into the realities of work, family and everyday responsibilities,” adds McHugh.

Check the real cost of your healthcare cover

Affordability is about more than finding the lowest monthly contribution. Before changing or renewing cover, take time to understand what is included, where co-payments may apply, what limits exist and how much you could need to pay from your own pocket.

The Council for Medical Schemes advises consumers to understand the benefits, exclusions, limits and potential co-payments associated with their chosen option. The right cover will depend on your health needs, family circumstances and financial position. Asking questions now can help avoid unwelcome surprises later.

Recognise that healthy choices can deliver value

Some wellness programmes reward members for completing health assessments and meeting activity goals. Momentum Health’s HealthReturns, for instance, can provide qualifying members with up to R1,000 a month, depending on their Multiply option and reward level, which may be used towards certain healthcare-related and lifestyle expenses.

“The broader lesson is that looking after your health can have practical value. Small actions – knowing your numbers, moving regularly, seeking advice early and understanding your cover – can help you make more confident health and financial decisions,” concludes McHugh.

Ed’s note: For more on your medical aid, watch EBnet’s series Health Hack SA here.

ENDS