Maternity Cover Benefits
Expecting a baby? Your maternity journey deserves the right support. Whether you’re a first-time parent or preparing for another addition to your family, understanding how medical aid covers pregnancy-related expenses is key to planning ahead.
Comparative Overview of Medical Aid Providers
Compare top medical aid plans by monthly premium, antenatal and delivery benefits, network restrictions, and neonatal care support.
Provider | Plan Name | Monthly Premium (± 2024) | Antenatal Consultations & Ultrasounds | Delivery Costs | NICU & Postnatal Care |
Discovery | Classic Comprehensive | ±R6,100 | 12 visits + 2 scans | Full private hospital | Covered up to 100% |
Fedhealth | flexiFED 3 | ±R4,800 | 8 visits | C-section co-pay may apply | Limited NICU |
Momentum | Ingwe Option | ±R2,300 | 6 visits | Only network hospitals | Basic cover |
Best Plans for Different Profiles
Recommended Plan:
Discovery Classic Comprehensive Why?Offers complete antenatal and delivery benefits, private hospital access, and NICU care.
Recommended Plan:
Fedhealth flexiFED 4
Why? Includes specialist access and additional scans, with emergency NICU benefits.
Recommended Plan:
Momentum Ingwe Option
Why? Network-restricted, but affordable with basic pregnancy support and delivery access.
Key Considerations Before Choosing a Plan
- Are there waiting periods before maternity cover activates?
- Does the plan cover both natural and C-section deliveries?
- Are lactation consultations and postnatal checkups included?
- What neonatal ICU (NICU) support is offered for newborns?
FAQs
Most basic plans do not. Some comprehensive options offer limited fertility assistance.
Only if medically required and authorised. Some plans apply co-payments otherwise.
Waiting periods of 10–12 months are standard before pregnancy benefits activate.