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