Before Planning a Family Join a Good Medical Aid

Starting a family is probably one of the most exciting times of couples’ lives. Amid all the excitement and tension some people tend to forget one of the most important decisions they need to make before falling pregnant, namely which medical aid to join. Those that decide to wait until the pregnancy is confirmed before joining a medical aid are in for a rude awakening.

When joining a medical aid all pre-existing health conditions are usually excluded for cover by medical aids. This unfortunately applies to pregnancy as well and almost all medical aids will not cover any procedures or delivery costs if you join a medical aid when once you are already pregnant, irrespective of what stage of pregnancy you are in.

When joining a medical aid all pre-existing health conditions are usually excluded for cover by medical aids. This unfortunately applies to pregnancy as well and almost all medical aids will not cover any procedures or delivery costs if you join a medical aid when once you are already pregnant, irrespective of what stage of pregnancy you are in.

Childbirth is a costly affair even without any complications. The cost of giving natural birth at a private South African Hospital represents a huge cash outlay and C-section births are almost double the cost. If your baby should require after birth care such as neonatal ICU this would place additional strain on your budget over and above the costs of a gynaecologist, paediatrician and the hospital costs.

Private hospitals charge patients that have no medical aid up to R5000 deposit that must be paid upfront when being admitted to hospital for childbirth. Most of these hospitals expect private patients to settle their accounts on discharge although some may allow you up to 90 days to pay-off the balance of the account.

Being a member of a medical aid ensures that not only will the costs of the pregnancy and childbirth be covered, but your new baby will be covered immediately after birth.

The majority of medical specialists’ rates are above those stipulated on the National Health Reference Price list, some as much as 300% of the NHRPL. A cheap medical aid will not cover anywhere near this rate. When selecting a medical aid it is important to determine exactly what percentage of the NHRPL they cover. Many of the good medical aids cover over 100% of the NHRPL whereas the cheaper schemes often only pay out the rates as set out in the NHRPL and the difference will be for your own account.

One of the leading Medical Aids in South Africa, Momentum Health offers one of the best maternity benefits in the market. Members of Momentum Health who register for Maternity benefits when they are between 8 and 12 weeks pregnant will qualify for up to twelve antenatal visits to a gynaecologist, a general practitioner or a midwife and will also be able to have two pregnancy or growth scans free of charge. The first free scan will be before the 24th week and the second in the period following the 24th week.

With the exception of Momentum Health’s Ingwe and Access Options all other Momentum options cover 2 paediatrician visits in your child’s first year under the Scheme’s Health Platform benefit. All members who register on the maternity programme receive a free book by Tina Ottes, “The pregnancy and birth book”.

Momentum Health members who are also members of Momentum’s wellness programme, Multiply will also receive the following:

  • A free 12-month subscription to Living & Loving
  • A Baby-on-Board suction sign
  • A Tiny Love developmental toy
  • Free informative articles every week
  • A Caboodle backpack
  • A number of Pigeon products
  • A R100 Virgin Spa voucher for Mommy-me-time
  • A Baby City discount voucher booklet for various items including Huggies
  • A R100 discount voucher off the cost of a Baby Love routine and sleep training for babies’ workshop
  • 25% off the cost of Preggi bellies classes

As with all other medical schemes you will not be covered for the full costs of your pregnancy if you are already pregnant when you join Momentum Health. Make sure that part of your family planning includes choosing the right medical aid for you and your family.