When it comes to women’s health, prevention is much more than peace of mind. It is a proactive measure to live well and stay well. Too often the benefits of preventive care are overlooked simply because we do not know that they exist.
But did you know that depending on your South African medical aid, you could have free or subsidised screenings, contraceptives and even maternity wellness services?
So how does preventative healthcare actually benefit you and how can you ensure that you are not missing out on benefits that your medical aid already pays for?
What preventative care is included in many medical aid plans
Preventative care benefits vary from plan to plan, but many South African medical aids include a core of free or subsidised services, either as part of Prescribed Minimum Benefits (PMBs) or specific scheme benefits.
These often include:
- Annual PAP smears and mammograms (especially for women 40+)
- HIV, cholesterol, and blood sugar screenings
- Contraceptive cover — such as oral contraceptives, injectables, or IUDs
- Childhood immunisations
- Antenatal and postnatal care
- Wellness screenings through pharmacies or scheme partners
While the exact details depend on your plan, most offer these preventative care services either from your risk benefit (not affecting your day-to-day savings) or as added value services. That means they often cost you nothing extra, you just need to use them.
Why using preventative benefits saves you more in the long run
These are carried out to help in the prevention of avoidable complications, which could be debilitating and costly. A routine PAP smear could catch the early signs of cervical cancer, and yearly breast exams may be able to detect abnormalities before they require invasive treatment. Likewise, checking blood pressure or glucose regularly is the best way to prevent future and far more severe complications such as stroke or diabetes.
By using these benefits early and consistently, you reduce your risk of:
- Unexpected hospitalisations
- Costly treatments down the line
- Co-payments for avoidable chronic conditions
In other words, putting your health first today means fewer financial and emotional concerns tomorrow. It’s not merely about staying well; it’s about staying financially protected.
Maternity and contraception: What’s often included (and what’s not)
Preventative care becomes more pertinent if planning to have a baby or already expecting. Numerous medical funds offer separate maternity and contraceptive benefits designed to assist and accommodate you in every phase of your journey.
These may include:
- Antenatal consultations (up to 6–12 visits)
- Ultrasounds and blood tests
- Newborn screenings
- Access to 24/7 baby advice lines (like Bonitas’ Babyline)
- Lactation consultants or milestone check-ups
- Monthly allowances for antenatal supplements (e.g., R195/month for vitamins)
- Contraceptive benefits, including hormonal options, implants, or IUDs
However, not all plans are created equal. Some cover these from the hospital benefit only, while others include dedicated maternity programmes, even on entry-level hospital plans. Always check the fine print.
How to find out what your plan includes
Understanding your preventative healthcare benefits starts with knowing where to look. Here’s how to make sure you’re in the know:
- Log in to your member portal to view your benefits and remaining limits
- Download the scheme’s benefit guide or brochure
- Check if services are paid from your savings or the risk pool
- Confirm which provider networks are covered
- Ask if pre-authorisation is required for screenings or maternity care
If in doubt, speak directly to your medical aid or a broker who can walk you through your cover. Being informed means being empowered, especially when it comes to your health.
Prevention is powerful, and often already paid for
Your medical aid isn’t just a safety net – it’s a gateway to smarter, healthier living. Preventative care covers a wide range of benefits, including contraceptives, cancer screenings, and maternity support. Every woman’s health journey is unique and ever-changing – make sure you’re making the most of the benefits designed specifically for you.
So, next time you procrastinate when booking that check-up, or when reminders keep ringing for your respective screening, remember that prevention is not an option but a right.
Compare schemes now with MedicalAid.co.za to find a plan that puts your health first. Let’s help you make the most of your preventative healthcare benefits, because your wellbeing is worth it.