What is the One Plan maternity waiting period? It’s something that you will be wondering about as part of the process of joining this medical aid. Most medical insurance companies that are in South Africa will not cover an existing pregnancy. Is that the case for One Plan? The great thing is that there are a lot of differences in the waiting periods from one company to the other. In this article, we are going to look at One Plan and what you can expect.
One Plan Pregnancy waiting period
The One Plan pregnancy waiting period is 7 months. That means you can join while already pregnant, but cover will only be availed to you after 8 months. Any pregnancy afterwards will only be covered after a waiting period of 4 months. Meanwhile, delivery is only covered after a 12 month waiting period.
Why are waiting periods longer for pregnancy?
That’s the One Plan maternity waiting period. But why are waiting periods in general longer for pregnant women? The reason for this is the fact that pregnancy can be very expensive to cover.
A normal pregnancy can require up to R60000 in cover. Should complications, including hospitalization, occur, then the required amount could easily rise to R1 millions.
With this in mind, it’s important for medical insurance companies to protect themselves. The do so by implementing longer waiting periods. That way, no one will simply join because they wish to get treatment.
In the case of One Plan, your delivery will only be covered if you have been with the company for at least 12 months. Before that, they will cover hospital consultations and other pregnancy related issues. But they won’t cover the delivery.
So, it’s important if you plan on getting pregnant to ensure that you join a medical aid very early on. Otherwise you will have to shoulder some of the costs out of pocket.
In this article, we showed you the One Plan maternity waiting period. It was noted that in general, waiting periods are meant to protect medical insurance companies and their customers from fraud. However, it’s notable that One Plan will allow coverage of a preexisting pregnancy, as long as 7 months have elapsed. However, delivery will only be covered after 12 months.