BizCommunity – 9th August 2023

Prenatal care – nurturing healthy beginnings for expectant mothers

Prenatal care is an essential part not only of a healthy pregnancy, but also for giving birth and beyond. Expectant mothers who receive quality care from the beginning of their journey can be confident that their baby will have the best start in life, with individual care and support from their healthcare providers.   However, while childbirth, including elements of pregnancy and prenatal support, are covered by medical aid, there can be significant medical-expense shortfalls, particularly when it comes to the delivery of the baby. Having an appropriate medical aid plan, complemented by the right gap cover, can help to ensure that young families do not start the next phase of their lives with added financial stress.

The benefits of proper prenatal care

Prenatal care plays a vital role in ensuring a healthy pregnancy as well as a positive outcome for both the mother and baby. During the pregnancy, healthcare professionals will monitor maternal health through regular check-ups to help identify and address any potential health issues, such as high blood pressure, gestational diabetes, infections, or anaemia.

Check-ups monitor the unborn baby, to ensure they are growing and developing properly and that any abnormalities or concerns can be detected early, and timely interventions can be made, including referrals to specialists where needed. The mother and baby are screened for any infections that may be harmful to either or both, which can then be treated quickly to prevent complications or transmission of infections to the baby during pregnancy or childbirth.

Prenatal care also helps to educate expectant mothers on various aspects of pregnancy, childbirth, and postnatal care, including information about nutrition, exercise, breastfeeding, and how to take care of their overall wellbeing. This knowledge empowers mothers to make informed decisions and take necessary steps to ensure a healthy pregnancy and a positive childbirth experience. It is also an important part of developing a supportive network of providers, where expectant mothers can discuss any concerns, ask questions, and receive emotional support throughout their pregnancy journey.

Where the gaps creep in

Comprehensive prenatal care is well recognised for helping to reduce complications with childbirth and ensure positive outcomes for the mother and baby. Many medical-aid schemes will enable their members to access a basket of care during pregnancy to ensure they look after their own health as well as the health of their unborn baby.

However, there may still be gaps in medical expenses that are not covered by medical-aid schemes, especially when it comes to specialist care as well as childbirth itself. These gaps can include co-payments and fees for certain specialised services or treatments, as well as hospital co-payments and medical-expense shortfalls from doctors, surgeons, anaesthetists and more.

Covering the gap

Gap cover can help to ensure that young families begin their journey without significant out of pocket expenses, providing additional coverage for medical expenses that may exceed the limits or reimbursement rates set by the medical aid scheme. Having gap cover can provide peace of mind for expectant parents, knowing that there is an additional layer of financial protection in case of unexpected medical expenses. This peace of mind contributes to a positive pregnancy experience.

However, it is important to understand that gap-cover providers have waiting periods and exclusions for pre-existing conditions, which includes pregnancy. As part of comprehensive financial planning, and before beginning the journey toward becoming a parent, it is important to talk to your financial advisor to select a gap cover option that best suits your needs and budget.

Prenatal care – nurturing healthy beginnings for expectant mothers (



What is Gap Cover?

Client Testimonials

We have been so impressed with Turnberry! I recently gave birth and our medical aid did not pay for quite a substantial amount of the bills. We sent through the claims to Turnberry and had impeccable service. Thanks so much to your team!     Rosie Crisafulli

It helped make the birth of my daughter far more affordable and we were able to get the care and surgeons we wanted without bearing the massive fees that medical aids don’t cover.  You can’t operate without Gap Cover Insurance if you don’t want to visit government facilities.  10 out of 10 for friendly service and support.

Turnberry’s gap cover insurance paid for the birth of my son by covering the extra costs that my medical aid would not.  Their products are affordable and they offer great service.   Great investment to cover shortfalls from medical aid.  Support when claiming is excellent – quick and efficient and they went above and beyond to keep me updated of the status and give me guidance on claims.   Kirsty

There were gap costs vs medical aid cover post the birth of our second child at a private hospital, and this gap amount was fully recovered. It is essential to have gap cover as private medical aids only pay up to a certain rate and have certain limits / exceptions. Turnberry’s claim division has very strong communication and a slick claims process. I was very happy with the service and the result, as well as the speed of refund.    Nicholas Dougherty 

We were able to use the best obstetrician in town to delivery our baby without having to worry about his rates exceeding medical aid rates. As a result my wife was able to leave hospital the day after giving birth to our son, and was able to move around freely, without much pain almost immediately upon returning home, Contrast to our first son’s delivery, where she was in a lot of pain and unable to move freely for almost a week. Our son was born during covid-19 lockdown so getting in and out of hospital quickly was vital.   It is definitely worth it. Medical costs, and in particular surgery and specialist costs can be excessive, and gap cover allows peace of mind, knowing that all costs will be taken care of.