15 questions to ask your medical aid before you fall pregnant

accreditation
Also note that you have to join a medical aid BEFORE you fall pregnant, otherwise you pregnancy may not be covered at all.
Also note that you have to join a medical aid BEFORE you fall pregnant, otherwise you pregnancy may not be covered at all.

Don't assume that because you have a medical aid, that your pregnancy, birth and aftercare will all be covered.

Also read: Which medical aid is the best one for you?

Whether you're shopping around for a medical fund or already have one, ensure you ask the following questions:

  • Do I have to use a specific hospital or doctor?
  • What happens if I want to use a hospital or doctor that's not in the scheme's network?
  • Are my maternity benefits additional or subject to my family's overall limits?
  • What happens if my out-of-hospital benefits run out before my pregnancy is over?
  • Am I covered for delivery by a midwife?
  • Am I covered for a specialist (obstetrician or gynaecologist), or only a GP?
  • What type of scans am I covered for? (For example 2D or 3D scans)
  • What type of screenings am I covered for? (For example noninvasive prenatal testing and amniocentesis)
  • Am I covered for antenatal classes?
  • How am I covered for my confinement and delivery? (For example full cover or 100% medical scheme rates)
  • Am I covered for a caesarian?
  • Am I covered for a home birth?
  • Am I covered for a water birth? 
  • Am I covered for any post-natal consultations?
  • What benefits are there for my baby's first year?

Also note that you have to join a medical aid BEFORE you fall pregnant, otherwise you pregnancy may not be covered at all. 

Also read: 10 weeks pregnant? Things to know 

Also read: Family finance

Chat back:

Share your story with us, and we could publish your mail. Anonymous contributions are welcome.

Sign up for Parent24's newsletters.
We live in a world where facts and fiction get blurred
In times of uncertainty you need journalism you can trust. For 14 free days, you can have access to a world of in-depth analyses, investigative journalism, top opinions and a range of features. Journalism strengthens democracy. Invest in the future today. Thereafter you will be billed R75 per month. You can cancel anytime and if you cancel within 14 days you won't be billed. 
Subscribe to News24
Voting Booth
A Section 89 panel headed by former chief justice Sandile Ngcobo found President Cyril Ramaphosa has an impeachable case to answer on the Phala Phala scandal.
Please select an option Oops! Something went wrong, please try again later.
Results
Ramaphosa should do the honourable thing and immediately resign.
24% - 1190 votes
Ramaphosa should follow due process and submit himself to an impeachment hearing.
29% - 1465 votes
Ramaphosa should fight the findings in court and keep his job at all costs
47% - 2341 votes
Vote
Rand - Dollar
17.49
+0.4%
Rand - Pound
21.48
+0.5%
Rand - Euro
18.42
+0.5%
Rand - Aus dollar
11.87
+0.5%
Rand - Yen
0.13
+0.4%
Gold
1,797.91
0.0%
Silver
23.15
0.0%
Palladium
1,900.00
0.0%
Platinum
1,020.00
0.0%
Brent Crude
85.57
-1.5%
Top 40
68,238
-0.9%
All Share
74,323
-0.9%
Resource 10
74,020
-2.7%
Industrial 25
91,592
-0.6%
Financial 15
15,398
+0.8%
All JSE data delayed by at least 15 minutes Iress logo
Editorial feedback and complaints

Contact the public editor with feedback for our journalists, complaints, queries or suggestions about articles on News24.

LEARN MORE