You’ve just discovered that you are pregnant and will expect a little bundle of joy in the next few months. Are you able to join a medical aid society and get cover for your pregnancy? This post will explore this topic to establish what is possible and what isn’t.
Pregnancy is something you would ideally want to plan beforehand but sometimes it happens when we least expect or plan for it. This situation brings with it several expenses that you may need to take care of during and after the pregnancy.
Things like visits to the gynaecologist and related things require that you spend significant amounts of money on them and medical aid cover will come in handy at such times. Complications during the course of the pregnancy are something you also need to cater for and these also tend to require a lot of money out of pocket.
Given these scenarios, it is no wonder that you and others before you will want to get cover during this time.
Can I Join Medical Aid to Cover Pregnancy Immediately?
Unfortunately, in Zimbabwe, most medical aid societies have a 9-month waiting period before your medical aid cover kicks in. So, this means that if you do not already have medical aid cover, you will not be able to join and be covered before the pregnancy goes full term.
What this means is that you need to prioritise medical aid cover prior to the pregnancy if there is a likelihood of falling pregnant. If you are not covered, you will have to wait until the baby is born before you can get cover. This means that if anything were to happen during this time, and you needed medical attention for yourself or your baby then it would be at your own expense.
Will Medical Aid Cover My New-born Baby?
Most medical aid packages on offer in Zimbabwe will cater for your baby under your cover up to 3 or more months. This means that any medical needs your baby has within this period will be taken care of.
However, once your baby has reached the age of 3 months, you will need to apply for cover for them with their own medical aid. This process is fairly straightforward. Once your child is covered, they will have full benefits until they are 18 years old.
Conclusion
It is important to consider your options when buying medical aid in Zimbabwe. The benefits vary from one provider to another and it is important that you understand exactly what each of the plans on offer will cover. You should also consider how often you will need to see a doctor and whether or not this would be covered by a particular plan before making your decision.
If you are buying medical aid for yourself, you need to consider your budget and how much cover you will require. It is important that you take into account any pre-existing conditions that you may have so that they can be covered under the policy. You should also consider how old your children are as well as whether or not they need medical aid of their own.
If you would like to know more about this subject, do not hesitate to contact us on 08677 200 200 or click here to contact us