Momentum's service is severely pathetic. My child had to go to hospital a week ago, we had to postpone due to hospital authorisation that's outstanding. This morning I phoned again after a whole week of negotiation, still no authority. I am so angry at this moment I would really kill someone!!! we never use our medical aid, and we are only 2 months short of one year on the fund, yet we get horrible service. My youngest was referred to the urologist in february 2012. we waited 3 months with lots of tears and dispair for an appointment. then the urologist asked to do some checks under narcotics, and we are struggling to get authority. I think you should refund all of the money we paid for the 10 months so I can pay that for my daughter's procedure which will cost way less. The fund sucks!!!