Navigating the world of medical aid can be daunting, especially when you’re expecting a baby. It’s crucial to find a medical aid that covers pre-existing pregnancies, ensuring that you and your baby receive the best possible care. Here are the top 9 medical aids in South Africa that cover pre-existing pregnancies in 2023:
Discovery Health offers comprehensive maternity and childbirth benefits, including cover for pre-existing pregnancies. Their maternity program provides access to essential prenatal screening tests and prenatal classes. The scheme also offers postnatal care, including consultations with a lactation consultant and postnatal depression screening. The premiums vary depending on the plan chosen.
Momentum Health’s maternity benefits are designed to provide comprehensive cover for expecting mothers, including those with pre-existing pregnancies. Their maternity program includes prenatal consultations, ultrasound scans, and certain blood tests. The premiums are dependent on the chosen plan and the member’s risk profile.
Fedhealth offers a range of medical aid plans that cater to different needs and budgets. Their plans include comprehensive maternity and childhood benefits, making them a good choice for expecting mothers. Their “flexiFED” plans range from R945 to R13,122 per month, offering varying levels of cover.
Bestmed offers a range of plans designed to suit different life stages and pockets. Their comprehensive plans, which start from R4,620 per month, include extensive maternity benefits and a maternity care program. They also offer child dependant rates until the age of 24 years, and for registered students until the age of 26 years.
Medshield offers a range of medical aid plans, including MediBonus and MediSaver, which provide comprehensive in-hospital and day-to-day benefits. Their plans are designed to cater to different needs and budgets, ensuring that expecting mothers receive the care they need. The premiums for their plans are not listed on their website.
Medihelp emphasizes the importance of joining a medical aid before you become pregnant. They regard pregnancy as a pre-existing condition that is excluded from benefits if you join while already pregnant. Medihelp offers a range of benefits for expecting moms, including free registration on their HealthPrint Maternity and Baby programme, 10 antenatal and post-natal consultations with a midwife/GP/gynaecologist, 2 antenatal and post-natal consultations at a dietician/breastfeeding specialist/antenatal classes, and two 2D ultrasound scans. Certain Medihelp options also offer a separate additional benefit for 9 months’ antenatal iron supplements and 9 months’ antenatal folic acid supplements. Babies under 2 years receive 2 additional visits to a GP, paediatrician or ear, nose and throat specialist, and standard child immunisations for children up to 7 years at network pharmacy clinics.
Bonitas offers a comprehensive Maternity Programme that provides targeted support during each trimester of pregnancy. The programme includes a 24/7 Maternity Health Advice line, dedicated clinical care advisors, online antenatal classes, weekly stage-appropriate SMSs, pregnancy education emails, and a Bonitas baby bag packed with goodies for you and your newborn. They also offer maternity care benefits including up to 12 consultations during pregnancy, 2 x 2D ultrasound scans, 1 amniocentesis, antenatal classes, 4 consultations with a midwife after delivery (1 of these can be with a lactation specialist), and new born hearing screening.
Sizwe Medical Fund offers a Bambino Programme designed to assist expecting moms and their partners to navigate through pregnancy with ease. The programme is packed with valuable resources, support, and benefits to assist mom and dad throughout their pregnancy. They also offer a Disease Risk Programme focused on an integrated approach to improve your general health, well-being and quality of life, and a Back and Neck Programme designed to help members living with chronic back and neck pain to manage this condition and improve their quality of life.
Medshield provides a detailed guide on what to do when you find out you’re pregnant. They emphasize the importance of choosing a doctor or midwife, sharing your big news, looking after your health, planning your finances, and establishing a plan for your job. They also recommend chatting to your Medshield Medical Scheme Broker to understand what your private healthcare plan covers.
Conclusion
It’s recommended to contact these medical aids directly for the most accurate and up-to-date information.
Remember, when choosing a medical aid, it’s important to consider not only the cost but also the level of cover provided. Make sure to read the fine print and understand what is and isn’t covered under each plan. If you’re unsure, don’t hesitate to ask for clarification or seek advice from a healthcare professional or financial advisor.
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