20 | AUGUST 2019 | L&L
Important questions to ask your
medical aid before you fall pregnant
Whether you’re shopping around
for a medical aid, or are already
a member of 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
on 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?● What type of scans
am I covered for?
● What type of
screenings am I
covered for? For
example, non-invasive
prenatal testing
and amniocentesis.
● Am I covered for
antenatal classes?
● How am I covered for my hospital
stay and delivery? (Full cover or
100% medical scheme rates)
● Which kinds of births
am I covered for?
● What benefits are there for
my baby’s first year?Before
you choose
The medical aid landscape
can be tricky to navigate, so it’s
important to compare all the available
options and schemes to make sure
you find a medical aid that works for
you and your family, and is within your
budget. Also, take the time to read
the information sent to you by the
scheme or your broker to ensure
you understand what’s
being offered.