5 Best Medical Aids for Pregnant Women in South Africa
The 5 Best Medical Aids for Pregnant Women in South Africa revealed.
We tested them side by side and verified their medical aid plans.
This is a complete guide to the best medical aid for pregnant women in South Africa.
In this in-depth guide you’ll learn:
- What is a Medical Aid?
- Which medical aids cover pregnancy immediately?
- Which medical aid provides the best care after birth?
- How to compare medical aids against each other to find the right fit for your family?
- What is the average waiting period when joining a medical aid while pregnant?
- Which medical aids cover pre-existing pregnancies?
So if you’re ready to go “all in” with the best medical aid for pregnant women in South Africa, this guide is for you.
Let’s dive right in…
Best Medical Aids for Pregnant Women (2025)
| 🩺 Medical Aid | ✔️ Offer Plans for Pregnant Women? | ⚕️ Plan Offered | 💵 Premiums Per Month | 👉 Sign Up |
| 1. Discovery Health | Yes | KeyCare Series | R1,184 | 👉 Apply Now |
| 2. Bonitas | Yes | BonEssential Plan | R2,509 | 👉 Apply Now |
| 3. BestMed | Yes | BestMed Beat1 Network Hospital Plan | R2,111 | 👉 Apply Now |
| 4. Momentum Health | Yes | Evolve Option | R1,847 | 👉 Apply Now |
| 5. Fedhealth | Yes | myFED | R1,278 | 👉 Apply Now |
Best Medical Aids for Pregnant Women Summary
- Discovery Health – Overall, Best Medical Aid for Pregnant Women
- Bonitas – Best for Bargaining for Cost Reductions
- BestMed – Top Insurance Coverage Possibilities
- Momentum Health – Offers 24/7 Medical Advice Line
- Fedhealth – Retains AA- Global Credit Rating for the Past 15 Years
How medical aid for pregnant women works
👉 Prenatal care is expensive, even with medical aid cover. Medical Aid may provide benefits for diagnostic procedures including ultrasounds, blood work, and pregnancy tests, in addition to covering consultations with a gynaecologist, general practitioner, or midwife (at medical aid rates).
👉 Check the fine print of your health insurance policy. Expectant mothers should choose a comprehensive health care plan that either pays for all of their medical costs or prioritises hospitalisation (complicated or not).
👉 A medical aid plan that provides comprehensive coverage would pay for all of your prenatal care visits and your hospital birth. Also included are prenatal visits (again, at Medical Aid rates).
👉 If you have a comprehensive health insurance plan, your health savings account should cover most of your out-of-pocket medical expenses. If the costs of seeing a hospital-based specialist exceed the limits of your health insurance, you may want to look into purchasing additional coverage.
👉 If the mother so chooses, her medical insurance company will cover the costs of a home birth with a certified nurse midwife.
👉 Even normal pregnancies usually necessitate 10–12 visits to the doctor for various screenings and tests. But, if you and your unborn child are having complications, your visits to the OB and the amount of routine tests you do may need to be increased.
👉 Complications or the need for further precautions might arise from a number of different sources, and a wide variety of additional treatments may be required.
👉 If your pregnancy is complicated by diabetes or hypothyroidism (an underactive thyroid) due to your weight or other health conditions, you may want to see a nutritionist to make sure you’re getting the nutrients you need.
👉 Remember that a hospital plan is created with the explicit intention of being used in hospitals. It’s highly improbable that your health insurance will cover a home birth.
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How to choose a medical aid for pregnant women
👉 Despite its physiological normality, childbirth can have major financial repercussions. In addition to the costs associated with giving delivery, you may also have to pay for antenatal consultations, scans, and follow-up appointments.
👉 The average cost of giving birth in South Africa is estimated at R33,500, although complications during labour that require further surgeries like a C-section or episiotomy, or neonatal intensive care for the new-born, can significantly increase this figure.
👉 Having medical insurance will alleviate a lot of financial pressure.
👉 Most health insurance policies treat pregnancy as a pre-existing illness. So, the first year of your membership in the scheme will not include coverage for pregnancy and delivery.
👉 Even if you’ve been a member of a medical aid plan for more than a year, you may still have to pay the difference between what your plan will pay and what health care providers in South Africa really charge.
👉 Speciality doctors’ rates are often much higher than those on the NHRPL, including obstetricians, anaesthesiologists, and paediatricians.
👉 The amount you have to pay out of pocket during your pregnancy will be determined by the maternity coverage provisions of your medical aid plan.
Choosing a medical aid if you are planning on falling pregnant
👉 Any pregnant woman who applies for coverage under a medical aid plan must be accepted, but that doesn’t guarantee instant coverage.
👉 If you are pregnant and apply for medical aid, you may have to wait anywhere from three months to a year before obtaining any benefits, depending on your coverage history.
👉 That’s why it’s a good idea to enrol in a health plan that provides coverage for your regular medical expenses, not just emergencies.
👉 Choose the best cost-effective solution that satisfies your requirements if you want to have a family quickly.
👉 It’s crucial to evaluate the many features available within your budget range so that you can choose a cost-effective plan that doesn’t stint on quality. This is why it is beneficial to compare medical aid costs across different programmes.
Read more about the 5 Best Medical Aid / Insurance for Pregnancy in South Africa reviewed
5 of the Best Known Medical Aids in South Africa For Pregnant Women
👉 There are a variety of leading medical aid schemes that offer comprehensive plans suited to pregnancy. We explore these options in more detail below.
1. Discovery Health
Maternity Benefits Overview
👉 Maternity benefits are essential because they provide specialized healthcare during pregnancy, childbirth, and the postnatal period, addressing the unique needs of mothers and newborns. These benefits are not just about medical support; they are about providing peace of mind.
👉 Knowing that many of the financial aspects of prenatal visits, delivery, and postnatal care are covered, allows you to focus more on your health and preparing for the arrival of your baby. Discovery Health Medical Aid understands the importance of comprehensive maternity care and offers a range of benefits tailored to support you from conception through to the postnatal phase.
👉 We explore all the details of your maternity coverage from Discovery Health as well as how to activate maternity benefits on Discovery Health. : Discovery Health Maternity Benefits
Discovery Medical Aid Option Plans Suitable for Pregnant Women
👉 The Discovery option gives you a choice between high-priced, all-inclusive private medical aid and lower-priced, all-inclusive private medical aid through a more limited network of providers.
Discovery Health maternity benefit
👉 Discovery Health provides comprehensive coverage, including prenatal care, delivery, and paediatrics. Prenatal care, including doctor visits, bloodwork, and ultrasounds, are all paid for by the government.
👉 The whole cost of a private room and any necessary medical equipment is covered for all top option members and their beneficiaries.
👉 The first two years of a baby’s life are very generous, including everything from visits to the paediatrician or family doctor to postpartum visits with a midwife or gynaecologist and advice on breastfeeding, mental health, and lactose intolerance.
👉 New mothers can get help whenever they need it, and the number of paid visits they get is flexible according on the plan they select.
How Much Are Discovery Medical Aid Monthly Premiums?
| 🔎 Plan | 💴 Contributions Range (Main) ZAR | 💵 Contributions Range (+ Adult) ZAR | 💶 Contributions Range (+ Child) ZAR | 💷 Medical Savings (Up to) | 💴 Annual Threshold (ZAR) | 💵 Above Threshold (ZAR) | 📈 PMB Diagnosis | 📉 Chronic Conditions |
| 🥇 Executive Plan | 11,430 | 11,430 | 2,185 | R34,284 (Main) R34,284 (+1 Adult) R6,552 (+1 Child) | R39,440 (Main) R39,440 (Adult) R7,480 (Child) | Unlimited | 271 | 27 |
| 🥈 Comprehensive Series | 7,945 – 9,298 | 7,337 – 8,793 | 1,855 – 1,856 | R27,876 (Main) R26,364 (+1 Adult) R5,568 (+1 Child) | R32,250 (Main) R32,250 (Adult) R6,160 (Child) | R35,000 (Main) R35,000 (Adult) R8,500 (Child) | 271 | 27 |
| 🥉 Priority Series | 4,981 – 5,796 | 3,917 – 4,571 | 1,989 – 2,318 | R17,376 (Main) R13,704 (+1 Adult) R6,948 (+1 Child) | R25,400 (Main) R19,090 (Adult) R8,460 (Child) | R19,370 (Main) R13,820 (Adult) R6,770 (Child) | 271 | 27 |
| 🏅 Saver Series | 2,898 – 4,535 | 2,187 – 3,577 | 1,163 – 1,817 | R10,872 (Main) R8,580 (+1 Adult) R4,344 (+1 Child) | None | None | 271 | 27 |
| 📌 Core Series | 2,507 – 3,652 | 1,887 – 2,882 | 1,006 – 1,461 | No MSA | None | None | 271 | 27 |
| 📌 Smart Series | 1,350 – 2,822 | 1,350 – 2,227 | 1,127 – 1, 350 | No MSA | None | None | 271 | 27 |
| 📌 Keycare Series | 1,184 – 3,687 | 1,184 – 3,687 | 361 – 986 | No MSA | None | None | 271 | 27 |
What Is the Waiting Period for Discovery Medical Aid’s Benefits?
👉 Discovery Health Medical Scheme’s general waiting period is 3 consecutive months and the condition-specific waiting period is 12 consecutive months.
How to Claim for Discovery Medical Aid Benefits
👉 You can submit a claim fast and easy in the following ways:
➡️ Scan and upload your claims on the website.
➡️ Scan and email your claims to [email protected].
➡️ Use the Discovery app on your smartphone. If the claim has a QR code, scan the QR code or alternatively take a photo of the claim from within the app.
➡️ You can also submit your claims by post.
Discovery Medical Aid Contact Details
Medical aid department: The Medical Aid Department at Discovery Health is responsible for administering health plans that cater to various healthcare needs, ensuring members have access to necessary medical services. This department oversees the processing of claims, ensures compliance with healthcare regulations, and facilitates communication between healthcare providers and members. Additionally, the department supports members with information and assistance regarding their health coverage.
☎️ Call:
- General queries: 0860 99 88 77
- Hospital authorisations: 0860 99 88 77/+27 11 529 6900 outside of SA
- Medical emergencies: 860 999 911/+27 11 529 6900 outside of SA
📧 Email: None
🟩 WhatsApp: Register online at https://www.discovery.co.za/corporate/whatsapp-registration-journey
📠 Fax: None
🍏 Mobile App: Available on Apple Store, Google Play and AppGallery
🌐 Website enquiry: https://www.discovery.co.za/corporate/contact-us
Discovery Health for healthcare professionals department: The Discovery Health for healthcare professionals department is designed to support healthcare providers who work with Discovery Health Medical Scheme members. This department facilitates a smooth interaction between medical professionals and the scheme, ensuring that providers can efficiently manage claims, access patient information securely, and receive timely payments for services rendered.
☎️ Call: 0860 44 55 66
📧 Email: [email protected]
🟩 WhatsApp: None
📠 Fax: None
🍏 Mobile App: Available on Apple Store, Google Play and AppGallery
🌐 Website enquiry: https://www.discovery.co.za/corporate/contact-us
2. Bonitas
Bonitas Maternity Benefits Overview
👉 The importance of maternity benefits cannot be overstated when it comes to ensuring a healthy beginning for both mothers and their newborns. As a result of these benefits, expectant mothers are better able to relax, enjoy their new journey, and bond with their newborns, as well as experience fewer difficulties throughout and after pregnancy.
👉 Expectant mothers can rely on Bonitas, one of the top medical aid schemes in South Africa, for cover during their pregnancies, deliveries, and postpartum recovery. Discover all the maternity perks that Bonitas has to offer with this comprehensive guide. From prenatal checkups and birth options to postnatal care and more, we’ve got you covered.
Bonitas Medical Aid Option Plans Suitable for Pregnant Women
👉 Bonitas offers excellent maternity benefits suitable for pregnant women
Bonitas maternity and childcare benefit
👉 Bonitas will cover all medical costs incurred throughout pregnancy, including doctor visits, 2D ultrasounds, and amniocentesis. A private hospital room may even be covered by some policies.
👉 Vaccinations, paediatrician visits, and new-born screenings for conditions including congenital hypothyroidism and hearing impairments are all covered by the Children’s Health Insurance Program.
👉 The hospital benefit will pay for everything related to the actual birth.
How Much Are Bonitas Medical Aid Monthly Premiums?
| 🔎 Plan | 💴 Contributions Range (Main) ZAR | 💵 Contributions Range (+ Adult) ZAR | 💶 Contributions Range (+ Child) ZAR | 💷 Medical Savings (Up to) | 📌 Chronic Conditions |
| 🥇 BonStart | 1,498 | 1,498 | 1,498 | None | 27 |
| 🥈 BonStart Plus | 1,907 | 1,813 | 840 | None | 27 |
| 🥉 Standard | 5,439 | 4,715 | 1,596 | None | 45 |
| 🏅 Standard Select | 4,915 | 4,253 | 1,439 | None | 45 |
| 🥇 Primary | 3,307 | 2,587 | 1,052 | None | 27 |
| 🥈 Primary Select | 2,946 | 2,304 | 936 | None | 27 |
| 🥉 BonFit Select | 2,524 | 1,890 | 849 | R4,536 (Main) R3,396 (+1 Adult) R1,524 (+1 Child) | 27 |
| 🏅 BonSave | 3,782 | 2,859 | 1,132 | R11,352 (Main) R8,580 (+1 Adult) R3,396 (+1 Child) | 27 |
| 🥇 BonComplete | 6,040 | 4,838 | 1,639 | R10,848 (Main) R8,688 (+1 Adult) R2,940 (+1 Child) | 31 |
| 🥈 BonClassic | 7,453 | 6,398 | 1,840 | R12,636 (Main) R10,848 (+1 Adult) R3,120 (+1 Child) | 47 |
| 🥉 BonComprehensive | 11,321 | 10,676 | 2,306 | R25,632 (Main) R24,168 (+1 Adult) R5,220 (+1 Child) | 60 |
| 🏅 Hospital Standard | 3,252 | 2,739 | 1,236 | None | 27 |
| 🥇 BonEssential | 2,509 | 1,854 | 811 | None | 27 |
| 🥈 BonEssential Select | 2,192 | 1,606 | 723 | None | 27 |
| 🥉 BonCap | 1,154 | 1,154 | 732 | None | 27 |
What Is the Waiting Period for Bonitas Medical Aid Benefits?
👉 The minimum general waiting period for Bonitas medical aid is three months for all benefits. Some plans, however, have a waiting period of 12 months, especially regarding a pre-existing condition.
How to Claim for Breast Reduction Benefits from Bonitas
👉 You can send in your claim in the following ways:
➡️ Email your claims to [email protected].
➡️ Post your claims to Bonitas Claims Department, PO Box 74, Vereeniging, 1930.
➡️ Submit your claims in person at one of the walk-in centres.
👉 Follow these simple steps to get your claims paid quickly:
➡️ Ensure your banking details are correct for refunds by electronic transfer (EFT) into your bank account
➡️ Make sure that your account and receipt show your name and initials, membership number, treatment date, the name of the patient as shown on your membership card, amount charged and ICD-10 code.
Bonitas Contact Details
34 Melrose Blvd, Birnam
Johannesburg
2196
Phone for General Queries: 0860002108
Email: [email protected]
Email: [email protected]
3. BestMed
Overview
👉 BestMed is one of the largest private medical aid companies in South Africa, providing coverage to around a million people.
👉 BestMed’s vision is to operate a company that is large enough to have a meaningful impact on the lives of its customers, but still intimate enough to know its customers by name and to react quickly to their suggestions.
👉 Because of differences in age, marital status, family size, health, preferences, and financial resources, BestMed recognises that each individual’s healthcare requirements will be unique.
👉 There are three primary care plans available from BestMed, each with its own set of benefits and insurance coverage possibilities.
👉 Plans from BestMed range from comprehensive health insurance to those that simply cover inpatient stays.
BestMed Medical Aid Option Plans Suitable for Pregnant Women
👉 BestMed offers excellent maternity benefits suitable for pregnancy and the journey through childcare.
RHYTHM1 Maternity Benefits
Consultations:
- 💙 6 antenatal consultations at a FP OR gynaecologist OR midwife
Ultrasounds:
- 💙 1 x 2D ultrasound scan at 1st trimester (between 10 to 12 weeks) at a FP OR gynaecologist OR radiologist
- 💙 1 x 2D ultrasound scan at 2nd trimester (between 20 to 24 weeks) at a FP OR gynaecologist OR radiologist
BEAT1 AND BEAT2 Maternity Benefits
Consultations:
- 💙 6 antenatal consultations at a FP OR gynaecologist OR midwife
Ultrasounds:
- 💙 1 x 2D ultrasound scan at 1st trimester (between 10 to 12 weeks) at a FP OR gynaecologist OR radiologist
- 💙 1 x 2D ultrasound scan at 2nd trimester (between 20 to 24 weeks) at a FP OR gynaecologist OR radiologist
BEAT3, BEAT3 PLUS, BEAT4, PACE1, PACE2, PACE3, PACE4 AND RHYTHM2 Maternity benefits
Consultations:
- 💙 9 antenatal consultations at a FP OR gynaecologist OR midwife
- 💙 1 post-natal consultation at a FP OR gynaecologist OR midwife
Ultrasounds:
- 💙 1 x 2D ultrasound scan at 1st trimester (between 10 to 12 weeks) at a FP OR gynaecologist OR radiologist
- 💙 1 x 2D ultrasound scan at 2nd trimester (between 20 to 24 weeks) at a FP OR gynaecologist OR radiologist
Supplements:
- 💙 Any item categorised as a maternity supplement can be claimed up to a maximum of R133 per claim, once a month, for a maximum of 9 months
Please consult the Managed Care Guide for the full paediatric vaccine schedule for all options, excluding Beat1 and Beat1 Network.
BestMed maternity and childcare benefit
👉 The joy of becoming a parent for the first time is matched only by the drive to provide adequately for one’s growing family. That’s why BestMed gives new parents the best possible care and benefits, so they can kick back and enjoy this thrilling new chapter.
👉 BestMed’s maternity care plan includes all 12 options. Depending on the specifics of your chosen plan, these maternity benefits may include:
- ➡️ Consultations with your gynaecologist, GP, or midwife
- ➡️ 2D ultrasound scan at 1st trimester with your gynaecologist, GP, midwife, or radiologist
- ➡️ 2D ultrasound scan at 2nd trimester with your gynaecologist, GP, midwife, or radiologist
- ➡️ Nine fills of antenatal iron and folic acid supplements
- ➡️ Access to postnatal care, including a postnatal consultation within six weeks after birth
What Is the Waiting Period for BestMed Medical Aid’s Benefits?
👉 There can be a general waiting period of three months or a specific waiting period of 12 months for a certain condition.
👉 BestMed Medical Scheme will sometimes only pay a claim if it is a PMB. This can happen if you are in a waiting period or if you are getting treatment for a condition that your plan doesn’t cover.
4. Momentum Health
Overview
👉 Momentum Medical Scheme is run by a business widely regarded as a pioneer in the healthcare industry, and is one of the top three open medical schemes in South Africa.
👉 To ensure the scheme’s continued success while providing exceptional value to members, Momentum Health has made this its top priority.
👉 Momentum Health Solutions will help you get in touch with a network of qualified medical professionals who charge reasonable rates.
👉 In addition to providing members with access to a 24/7 medical advice line called Hello Doctor, Momentum has worked with a number of different doctor networks to provide members with discounted care.
👉 Momentum’s actuarial services can be used to design and cost incentive and reward programmes that motivate members to lead healthier lifestyles.
👉 By utilising care cohorts to provide individualised support through advocacy activities, Momentum’s ground-breaking health coaching model empowers members to make informed healthcare decisions while reducing costs.
Momentum Medical Aid Option Plans Suitable for Pregnant Women
👉 Momentum offers excellent maternity benefits suitable for pregnant women.
Momentum Medical Aid Option Plans Suitable for Pregnant Women
👉 The comprehensive maternity plan offered by Momentum Medical Scheme is intended to provide pregnant women with the support and care they deserve.
👉 Prenatal check-ups, ultrasounds, nurse home visits, and new-born immunisations are some of the benefits of the specialised, high-quality care.
👉 Momentum Medical Plan has partnered with BabyYumYum, South Africa’s leading parenting online, to provide comprehensive pre- and post-natal care to its members.
👉 When you call to enrol in the maternity benefit, Momentum will ask for your consent to enrol you in the MyMomentum BabyYumYum programme. In the mail you should find detailed instructions for using BabyYumYum’s services.
👉 In-home nursing care, up-to-date parenting information, a home-cooked meal for the first night after returning from the hospital, and a designer nappy bag stocked with luxurious treats for mother and child are just some of the perks that will be provided to new mothers by Momentum Health Solutions and BabyYumYum, South Africa’s most popular parenting website.
👉 Members of Momentum Health and Momentum Health4Me can get immunisations without leaving the comfort of their own homes and have access to medical advice whenever they need it.
👉 Months of research into postpartum moms’ needs and preferences informed the enhancements to the maternity benefits programme.
👉 According to a survey of BabyYumYum’s more than 150,00 followers, the top five things respondents wanted from their medical insurance were midwife homecare visits, father support, at-home immunisations, access to assistance at all hours, and reliable postnatal information.
How Much Are Momentum Health Monthly Premiums?
| 🔎 Plan | 💴 Contributions Range (Main) | 💵 Contributions Range (2x Adult) | 💶 Contributions Range (1 Adult + 1 Child) | 💷 Contributions Range (2 Adults + 1 Child) | 💴 Contributions Range (2 Adults + 2 Children) | 💵 Contributions Range (2 Adult + 3 Children) | 💶 Medical Savings (% of contribution or ZAR) |
| 1️⃣ Ingwe | 589 – 4,134 ZAR | 1,178 – 8,268 ZAR | 1,178 – 5,333 ZAR | 1,767 – 9,467 ZAR | 2,356 – 10,666 ZAR | 2,945 – 11,865 ZAR | None |
| 2️⃣ Evolve | 1,847 ZAR | 3,694 ZAR | 3,694 ZAR | 5,541 ZAR | 7,388 ZAR | 9,235 ZAR | None |
| 3️⃣ Custom | 2,353 – 4,047 ZAR | 4,133 – 7,295 ZAR | 3,187 – 5,491 ZAR | 4,967– 8,739 ZAR | 5,801 – 10,183 ZAR | 6,635 – 11,627 ZAR | None |
| 4️⃣ Incentive | 3,060 – 5,457 ZAR | 5,474 – 9,891 ZAR | 4,234 – 7,585 ZAR | 6,648 – 12,019 ZAR | 7,822 – 14,147 ZAR | 8,996 – 16,275 ZAR | Fixed at 10% of total contribution |
| 5️⃣ Extender | 7,215 – 10,381 ZAR | 12,687 – 18,742 ZAR | 9,336 – 13,358 ZAR | 14,808 – 21,719 ZAR | 16,929 – 24,696 ZAR | 19,050 – 27,673 ZAR | Fixed at 25% of Total contribution |
| 6️⃣ Summit | 14,903 ZAR | 26,822 ZAR | 18,327 ZAR | 30,246 ZAR | 33,670 ZAR | 37,094 ZAR | Not applicable. You can add the HealthSaver+ |
What Is the Waiting Period for Momentum Health’s Benefits?
👉 The general waiting period is 3 months, but since pregnancy is considered a pre-existing condition, it is excluded from all benefits for the first 12 months of scheme membership.
Momentum Medical Scheme has a Momentum Multiply Rewards Program and also the following medical aid plans:
- ✅ Momentum Summit
- ✅ Momentum Ingwe
- ✅ Momentum Incentive
- ✅ Momentum Extender
- ✅ Momentum Evolve
- ✅ Momentum Custom
How to Claim for Momentum Health Benefits
👉 You can submit a claim in several ways:
➡️ Use the Momentum App
➡️ Use the web chat facility in the bottom left corner.
➡️ Send an email to [email protected] or send normal mail to PO Box 2338, Durban, 4000
👉 To make sure your claim is processed quickly and accurately, include the following information:
➡️ Membership number.
➡️ Principal member’s surname, initials, and first name.
➡️ Patient’s surname, initials, and first name.
➡️ Date of treatment.
➡️ Amount charged.
➡️ ICD–10 code (code to indicate what condition you’ve been diagnosed with), tariff code (product-specific code for procedures and claims), and NAPPI code (unique identifier for a given ethical, surgical, or consumable product).
➡️ Service provider’s name and practice number.
➡️ Proof of payment if you’ve paid the claim out of your own pocket.
Momentum Health Contact Details
There are various departments which Momentum Health members can contact to have their queries handles promptly and efficiently.
✅ Customer Care: General inquiries and support.
- Call: 0860 11 78 59
- WhatsApp: 0860 11 78 59
- Email: Not available
- Fax: Not available
- Mobile App: Not available
- Website Enquiry: Not available
5. Fedhealth
Overview
👉 Fedhealth was established in 1936 to meet the healthcare requirements of South Africans. Their dedication to offering top treatment at reasonable prices has endured through the years.
👉 Since Fedhealth is still a cooperative managed for the benefit of its members, it is always exploring new approaches to healthcare delivery in order to keep up with the evolving needs of its clientele.
👉 As a member of Fedhealth, you can tailor your healthcare coverage to meet your specific needs. Fedhealth is a membership organisation, hence it prioritises the needs of its members above all else.
👉 Because of the Scheme’s strong financial status, it has been able to retain an AA- Global Credit Rating for the past 15 years and set aside more than the minimum 25% of members’ contributions as a reserve for when times are tough.
👉 Members of Fedhealth are able to make their normal benefits stretch even further thanks to the program’s innovative Risk-based rewards system.
👉 You can see any doctor in the network as often as you like without incurring any additional costs, and you are eligible for a free upgrade once a year, provided you request it within 30 days of a significant life event.
Fedhealth Medical Aid Option Plans Suitable for Pregnant Women
👉 Fedhealth offers excellent maternity benefits suitable for pregnant women.
Fedhealth maternity benefit
👉 The goal of Fedhealth’s Baby Programme is to ensure that all pregnant women receive the highest quality prenatal care possible, including professional counselling, emotional support, and individualised medical treatment.
👉 The purpose of Fedhealth Baby is to make becoming a mother less stressful and more joyful by providing new parents with expert assistance. It has a tonne of great bonuses like free stuff, discounts, training, and support.
👉 Doula care during pregnancy and after birth is supported by Fedhealth with an R3,000 payment. A doula is a trained professional who helps mothers in many different ways, both emotionally and physically, as they give birth. Throughout the mother’s nine months of pregnancy, she would visit her often to offer both mental and physical support in preparation for the birth.
👉 Fedhealth Baby members receive phone calls on the member’s estimated due date to check on her progress, a health profile at the beginning of each trimester, financial support for a doula (labour support) during a natural birth and a new birth card, and a follow-up on the birth within a week after the due date.
👉 In addition, the Fedhealth Family Room online member portal features a Baby Bumps community where members can sign up to receive helpful information and support from other expectant mothers.
How Much Are Fedhealth Medical Scheme Monthly Premiums?
| 🔎 Plan | 💴 Contributions (Main) | 💵 Contributions for Adult) | 💶 Contributions for Child) | 💷 Medical Savings (Up to) | 📊 Annual Threshold Level | ⚕️ Chronic Conditions |
| 1️⃣ FlexiFED Savvy | 1,055 ZAR 1,476 ZAR as Savings Backup Plan | 1,055 ZAR | 775 ZAR | Hospital Plan with Day-to-day Savings Back-up Plan: 5,050 ZAR p/a. Savings Plan with Max of 6,310 ZAR p/a with Supercharged Flexible Savings | None | 27 |
| 2️⃣ MyFED | 1,570 – 3,700 ZAR (Household income based) | 1,570 – 3,700 ZAR | 711 – 1,170 ZAR | None | None | 27 |
| 3️⃣ FlexiFED 1 | R1,953 (Elect) R2,505 (Network Hospitals) | R1,526 (Elect) R1,963 (Network Hospitals) | R711 (Elect) R917 (Network Hospitals) | 6,890 ZAR (Main) 12,280 ZAR (Main + 1 Adult) 17,030 ZAR (Main + 1 Adult + 1 Child) 19,550 ZAR (M + 1 Adult + 2 Children) | 5,400 ZAR (M) 8,600 ZAR (M+A) 10,500 ZAR (M+A+1C) 12,500 ZAR (M+A+2C) | 27 |
| 4️⃣ FlexiFED 2 | R3,787 (Any Hospital) R3,396 (GRID) R2,835 (Elect) | R3,370 (Any Hospital) R3,027 (GRID) R2,534 (Elect) | R1,118 (Any Hospital) R1,003 (GRID) R842 (Elect) | 10,340 ZAR (Main) 19,560 ZAR (Main + 1 Adult) 24,310 ZAR (Main + 1 Adult + 1 Child) 27,360 ZAR (M + 1 Adult + 2 Children) | 6,200 ZAR (M) 11,300 ZAR (M+A) 12,800 ZAR (M+A+1C) 16,400 ZAR (M+A+2C) | 27 |
| 5️⃣ FlexiFED 3 | R4,320 (Any Hospital) R3,874 (GRID) R3,236 (Elect) | R3,957 (Any Hospital) R3,553 (GRID) R2,968 (Elect) | R1,531 (Any Hospital) R1,374 (GRID) R1,148 (Elect) | 11,810 ZAR (Main) 22,610 ZAR (Main + 1 Adult) 27,360 ZAR (Main + 1 Adult + 1 Child) 31,550 ZAR (M + 1 Adult + 2 Children) | 7,900 ZAR (M) 13,700 ZAR (M+A) 15,600 ZAR (M+A+1C) 18,400 ZAR (M+A+2C) | 27 |
| 6️⃣ FlexiFED 4 | R5,782 (Any Hospital) R5,180 (GRID) R4,330 (Elect) | R5,277 (Any Hospital) R4,737 (GRID) R4,035 (Elect) | R1,739 (Any Hospital) R1,561 (GRID) R1,328 (Elect) | 15,800 ZAR (Main) 30,210 ZAR (Main + 1 Adult) 34,970 ZAR (Main + 1 Adult + 1 Child) 39,720 ZAR (M + 1 Adult + 2 Children) | 21,200 ZAR (M) 36,800 ZAR (M+A) 41,700 ZAR (M+A+1C) 46,600 ZAR (M+A+2C) | 27 |
| 7️⃣ Maxima EXEC | R10,719 | R9,304 | R3,312 | 12,156 ZAR (Main) 22,704 ZAR (Main + 1 Adult) 26,448 ZAR (Main + 1 Adult + 1 Child) 30,192 ZAR (M + 1 Adult + 2 Children) | 21,200 ZAR (M) 36,800 ZAR (M+A) 41,700 ZAR (M+A+1C) 46,600 ZAR (M+A+2C) | 27 |
| 8️⃣ Maxima PLUS | R16,937 | R14,619 | R5,233 | 7,500 ZAR (Main) 13,968 ZAR (Main + 1 Adult) 16,284 ZAR (Main + 1 Adult + 1 Child) 18,600 ZAR (M + 1 Adult + 2 Children) Additional: Includes OHEB (Out-of-hospital expense benefit)* | 22,700 ZAR (M) 40,400 ZAR (M+A) 46,600 ZAR (M+A+1C) 52,800 ZAR (M+A+2C) | 27 |
What Is the Waiting Period for Fedhealth Benefits?
👉 The general waiting period for Fedhealth benefits are usually three months, depending on the medical aid scheme you join. The waiting period for pre-existing conditions is 12 months.
How to Claim for Benefits from Fedhealth Medical Scheme
👉 Members can submit claims using one of the following:
➡️ On the Fedhealth Family Room,
➡️ Through a WhatsApp service
➡️ On the Fedhealth Member phone App
➡️ You may also email, fax or post the claims to email: [email protected], fax: (011) 671 3842 or post to Private Bag X3045, Randburg, 2125.
Fedhealth Medical Scheme Contact Details
You can contact Fedhealth customer support through the following methods:
- Phone: You can call their customer support hotline at 0861 002 353.
- Email: You can email their customer support team at [email protected]
- Website: You can visit their website at www.fedhealth.co.za and use their online contact form to send a message to their customer support team. You can also contact Fedhealth using the Live Chat on the website.
- Social Media: You can also reach out to them on their social media handles like Facebook, Instagram, and Twitter for quick responses.
- In-person: You can visit one of their branches to speak with a customer support representative.
📌 Learn more about 5 Best Hospital Plans for Pregnancy Coverage in South Africa
Frequently Asked Questions
Can I join a medical aid scheme if I am already pregnant?
Yes, but you will have to undergo a waiting period before the benefits become active as per the particular medical aid scheme.
How do I choose a medical aid if I am already pregnant?
Check the fine print of your health insurance policy. Expectant mothers should choose a comprehensive health care plan that either pays for all of their medical costs or prioritises hospitalisation (complicated or not).
How do I choose a medical aid if I am planning to become pregnant?
If you are pregnant and apply for medical aid, you may have to wait anywhere from three months to a year before obtaining any benefits, depending on your coverage history.
That’s why it’s a good idea to enrol in a health plan that provides coverage for your regular medical expenses, not just emergencies.
Why do I need medical aid for pregnancy?
Prenatal care is expensive, even with medical aid cover. Medical Aid may provide benefits for diagnostic procedures including ultrasounds, blood work, and pregnancy tests, in addition to covering consultations with a gynaecologist, general practitioner, or midwife (at medical aid rates).
What will a medical aid cover for pregnancy?
A medical aid plan that provides comprehensive coverage would pay for all of your prenatal care visits and your hospital birth. Also included are prenatal visits (at Medical Aid rates).
