There isn’t usually a warning when a child has a medical emergency. An unexpected fall from a jungle gym, a high fever that won’t go away, or a breathing problem that gets worse overnight can all make a normal day into a crisis. In South Africa, where healthcare costs can be very different between the public and private sectors, whether a family has enough medical insurance can make the difference between getting treatment right away and waiting hours for an answer.
In this country, private health care is expensive. A 2019 study published in the South African Medical Journal found that intensive care services at a central public hospital cost an average of R22 870 per patient per day. The financial impact of hospitalisation extends far beyond the ICU. Research published in BMC Health Services Research in 2021, which modelled public hospital costs for COVID-19 care, estimated R75 127 per admission for treatment in a general ward only, and R103 030 per admission when a patient required both ward and ICU care. The same study calculated a public-sector ICU unit cost of R17 845 per day, underscoring the high expense of critical care in South Africa’s state hospitals. It should be noted that it is merely impossible to get one definite answer as to cost of either private or public health care as there is a lot of factors to take into account. Also, these numbers change significantly over short periods of time in certain instances.
Costs can be very high for the youngest and most at-risk patients. In South Africa, the cost of staying in a Neonatal Intensive Care Unit (NICU) is approximately R 22 013.20 per day and this is only the flat rate. It covers all equipment except certain ventilators and oxygen-related items.
According to the Gauteng Department of Health’s Uniform Patient Fee Schedule for 2024/25, the public-sector rate for neonatal intensive care is R3 418 per day for general practitioner-led care and R3 549 per day for specialist-led care. These rates apply to fee-paying patients in provincial public hospitals and provide a current benchmark for public NICU costs.
These numbers show how much the system has to spend, not necessarily how much patients have to pay directly. When families get hospital bills, they can be in for a big shock if they don’t have enough health insurance. It can still be hard on families, even when the government pays for treatment. Getting to and from appointments, missing work, and sometimes getting extra care at home all cost a lot of money.
Medical insurance is more than just a way to pay for medical care; it can also give you peace of mind. It can mean faster access to treatment when it is needed most. Most of the medical plans that are already in place in South Africa include emergency benefits that cover ambulance rides, treatment in a casualty ward, and care in a hospital for serious injuries or illnesses. In some cases, being able to get these services right away can make a big difference in how quickly a child gets better.
When choosing a plan, parents should read carefully what the hospital and emergency benefits cover. Having insurance that covers visits to specialists, diagnostic tests, and follow-up care after leaving the hospital can be very important, especially for kids with chronic conditions like asthma or diabetes. Vaccinations, hearing and vision tests, and tracking growth are just a few of the health benefits that many plans offer.
Families who live in rural or remote areas should be aware of the limits of hospital networks. Some health insurance plans only let you use certain facilities in an emergency, which could mean longer travel times in an emergency. Parents should also look for waiting periods and exclusions, especially for conditions that already exist, because these can make it harder to get some benefits.
Cost is often the most important thing to think about when choosing health insurance, but picking the cheapest plan can be a false economy if it has high co-payments or low annual benefit limits. Before making a choice, you need to carefully compare plans, benefits, and provider networks.
Public hospitals are still an important part of the country’s healthcare system, but they can take a long time to treat non-life-threatening cases when they don’t have enough space. Private care is often available more quickly for conditions that are urgent but not life-threatening right away. This lowers the risk of complications and speeds up recovery.
A lot of parents think that the peace of mind that comes from knowing their child will get good care on time is worth the monthly fee. There will always be stress during an emergency, but having the right medical coverage means that decisions are made based on what is best for the child’s health and not on what the family can afford at the time.
- Unexpected Emergencies: How the Right Medical Cover Protects Your Kids - September 17, 2025
