Medical Aid Options for Couples Planning a Family
Thinking about having kids? The maternity benefit becomes important, and there's usually a 12-month waiting period to consider. Here's what to look at when comparing plans.
Household
couple
Budget Range
R 5 000 - R 10 000/mo
Chronic Cover
Standard PMB
Also Looking At
maternity
Closest matches for this scenario
5 of the published 2026 options whose brochure figures fit this household and budget. Ordered by how closely the published benefits match the requirements listed above — not by our opinion of the scheme.
Fedhealth: flexiFED 1Elect Savings
Savings option — 2026
R 2 490
per month, main member
R 4 437 for two adults
What the 2026 brochure publishes
- R 4 437 a month for two adults on the 2026 rates.
- Unlimited hospital cover — any private hospital.
- 27 chronic conditions listed (27 PMB + 0 additional).
- Maternity benefit publishes 12 antenatal consultations and 2 ultrasound scans.
Hospital cover
- • Unlimited
- • Any private hospital
- • R 15 950 co-payment per admission
Chronic & day-to-day
- • 27 chronic conditions
- • No day-to-day pool on this option
- • Maternity benefit published
Fedhealth: flexiFED 1 Savings
Savings option — 2026
R 3 062
per month, main member
R 5 463 for two adults
What the 2026 brochure publishes
- R 5 463 a month for two adults on the 2026 rates.
- Unlimited hospital cover — any private hospital.
- 27 chronic conditions listed (27 PMB + 0 additional).
- Maternity benefit publishes 12 antenatal consultations and 2 ultrasound scans.
Hospital cover
- • Unlimited
- • Any private hospital
- • No per-admission co-payment published
Chronic & day-to-day
- • 27 chronic conditions
- • No day-to-day pool on this option
- • Maternity benefit published
Fedhealth: flexiFED 2Elect Savings
Savings option — 2026
R 3 810
per month, main member
R 7 213 for two adults
What the 2026 brochure publishes
- R 7 213 a month for two adults on the 2026 rates.
- Unlimited hospital cover — any private hospital.
- 35 chronic conditions listed (27 PMB + 8 additional).
- Maternity benefit publishes 12 antenatal consultations and 2 ultrasound scans.
Hospital cover
- • Unlimited
- • Any private hospital
- • R 15 950 co-payment per admission
Chronic & day-to-day
- • 35 chronic conditions
- • No day-to-day pool on this option
- • Maternity benefit published
Medihelp: MedAdd
Savings option — 2026
R 4 038
per month, main member
R 7 440 for two adults
What the 2026 brochure publishes
- R 7 440 a month for two adults on the 2026 rates.
- Unlimited hospital cover — any private hospital.
- 27 chronic conditions listed (27 PMB + 0 additional).
- Maternity benefit publishes 10 antenatal consultations and 2 ultrasound scans.
Hospital cover
- • Unlimited
- • Any private hospital
- • No per-admission co-payment published
Chronic & day-to-day
- • 27 chronic conditions
- • No day-to-day pool on this option
- • Maternity benefit published
Medihelp: MedSaver
Savings option — 2026
R 4 260
per month, main member
R 7 764 for two adults
What the 2026 brochure publishes
- R 7 764 a month for two adults on the 2026 rates.
- Unlimited hospital cover — any private hospital.
- 27 chronic conditions listed (27 PMB + 0 additional).
- Maternity benefit publishes 10 antenatal consultations and 2 ultrasound scans.
Hospital cover
- • Unlimited
- • Any private hospital
- • No per-admission co-payment published
Chronic & day-to-day
- • 27 chronic conditions
- • No day-to-day pool on this option
- • Maternity benefit published