An absolute nightmare

Trying to get authorisation, PMB, or submitting a claim is like biting into a lemon every time - you really need to prepare yourself. Their philosophy seems to be that they automatically decline without even reviewing, and if you want it bad enough, you need to really fight for it. If you have no health issues whatsoever, Momentum medical scheme isn’t so bad. But if you ever need to get authorisation for anything, I highly suggest you choose a different provider.