Unexpected Emergencies: How the Right Medical Cover Protects Your Kids

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.

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Putting together your birth plan

As you enter your third trimester you’ll have probably done a fair bit of research on the birth process (if this is your first) and may have a good idea of what you want before, during and after delivery. There are many options and opinions, from whether or not you want pain medication to how many people you would like supporting you. However, trying to keep track of your choices during labour may be tricky, which is why you’d put together a birth plan. So what exactly is it and how do you put one together?

Why should I put together a birth plan? 

Your birth plan is your choices or preferences before, during and after labour and delivery. While things may not always go according to plan, having your preferences written down and communicated means you, your midwives and doctor have a more mutual understanding. However, if your pregnancy doesn’t go accordingly, you need to be prepared to make adjustments on the day.

What should be in my birth plan?

Your birth plan is how you’d like everything would go in the best-case scenario. Your birth plan will also have to take into consideration what is available at the hospital or place where you are giving birth.

Some birth plans are very basic, just outlining a simple overview, whereas others may be far more detailed and in-depth. The choice is yours.

Typically a birth plan will include before, during and after labour and birth preferences. Such as who you want to assist you during birth, whether or not you want any pain medication,  you birthing positions, and requests for newborn care, such as skin-to-skin time.

How can I learn more about the birth process? 

If you feel like you need to top up your birthing knowledge before putting together a plan they are a few ways you can go about this. Joining antenatal classes are a good way to learn more and to meet other women in your position. Chatting to friends or family who has been through the birthing process themselves is another good way to see what would work best for you. If you and your partner are having a baby together, keep them in the loop as well. Find out what they expect during labour and you can chat about what you want, and what role you see them playing in the process.

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How to choose the right medical cover in 2026

As medical schemes unveil their 2026 product ranges, South Africans face a recurring challenge. Too many options, too much jargon and the risk of choosing a plan that doesn’t fit is a reality many medical aid seekers are all too familiar with. With contribution increases averaging between 8% and 9% across the industry, getting the right balance between affordability and protection is more important than ever.

“Medical aid should feel like a safety net, not a financial burden,” says Lee Callakoppen, Principal Officer at Bonitas Medical Fund. “The key is choosing a plan that works for your life and unique circumstances and understandably this is where most people get stuck.”

Step one: Understand your health reality

Before comparing plans, take stock of you and your family’s healthcare needs. A young, healthy individual may manage well with a hospital plan, while a family or someone living with a chronic condition may need comprehensive cover. Consider whether you rely on chronic medication, how often you see a doctor, and whether you have any upcoming procedures.

Industry trends show that schemes are tailoring their products to different life stages. For instance, Bonitas’ 2026 range introduces BonCore, a digitally enabled hospital plan with day-to-day GP funding aimed at younger members, and BonPrime, which adds a savings component to improve flexibility. These reflect a broader move towards personalisation and digital access in medical aid.

Step two: Compare hospital plans and comprehensive cover

Many South Africans still misunderstand the difference between these two main options. Hospital plans cover costs only once you are admitted, while comprehensive plans include day-to-day benefits such as GP visits, medication, dentistry and optometry.

Cheaper hospital plans might seem appealing but can lead to high out-of-pocket expenses for everyday care. Comprehensive cover, although pricier, may provide better long-term value.

Step three: Check provider networks and access to care

Not all medical aids give you access to the same hospitals, doctors, or specialists. Before signing up, confirm that your preferred healthcare providers are part of the scheme’s network, especially if you live outside major cities. Using out-of-network doctors often results in co-payments or full out-of-pocket charges.

In 2026, several schemes have expanded digital health access, allowing members to consult virtually or through telemedicine platforms. “Bonitas has strengthened its virtual care options and preventative screening network to support early detection and intervention,” says Callakoppen, an approach gaining traction across the sector.

Step four: Understand premiums, co-payments and limits

It’s tempting to focus only on the monthly premium, but every plan structures its benefits differently. Some lower-priced options carry higher co-payments or strict limits on certain treatments, such as maternity, dentistry or mental health.

Reading the benefit guide closely can help avoid unpleasant surprises later. “Out-of-pocket costs can add up quickly,” says Callakoppen. “We’ve seen how members who only compare premiums often end up paying more in the long run.”

Bonitas’ own 2026 increases average 8.8%, with certain plans kept below that to maintain accessibility, reflecting broader industry efforts to balance affordability and sustainability.

Step five: Consider additional benefits and value-added services

Wellness and preventative benefits are becoming central to private healthcare. Schemes are expanding offerings such as mental health support, maternity benefits and chronic disease programmes, with many also providing access to virtual consultations and wellness apps that reward healthy living.

One in three South Africans is likely to experience a mental health condition in their lifetime, which has driven several funds to increase cover in this area. For example, Bonitas has made depression a covered chronic condition and now offers access to mental health support via the October Health app.

While these value-added services shouldn’t replace core cover, they can make a noticeable difference in daily wellbeing and encourage proactive healthcare management.

Step six: Review your cover regularly

Life changes and your medical aid should too. Whether you’re planning to start a family, switch jobs or are managing a new condition, reviewing your plan each year ensures it still fits your needs. A registered broker can help compare plans across different schemes, and their services are free to consumers.

“Too many people stay locked into outdated plans because switching feels overwhelming,” says Callakoppen. “It’s worth taking the time to reassess to ensure your cover evolves as your circumstances do.”

As the 2026 medical aid season is in full swing, the choice can feel daunting. But a little homework and the right expert advice can turn it into an empowering process. Understanding your health needs, your budget and how benefits actually work will help you make a decision that provides real peace of mind.

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Why do children lie?

The question of why children lie begs the greater question of why any of us lie. If you think back to the last time you lied (and I’ll bet my life you can think of a time), look at what was going on internally and this will give you a good idea of why your children do it and how to avoid it in future.

Now before we get to that, let me just say that we all have all traits. We are all liars sometimes and every one of us will be pushed to lie under certain circumstances. So firstly, please never label your child as a liar. Once we apply a label to a child they are more likely (not less) to repeat this behaviour and to incorporate it into their sense of self as they grow up.

ALL children lie sometimes (as do ALL adults).

Ok, so it’s normal to lie sometimes, but why, and why do some lie more often? Going back to why we all do, lying is a fear-based behaviour. The child believes, for whatever reason, that if they tell the truth it will result in more pain than pleasure. And where do they get this message? From us, of course. We’re constantly giving kids unconscious messages that telling the truth will get you in trouble. “Who ate the sweets?” “I did” “Right, go to your room”. Sound familiar?

What we need to get into the habit of doing is praising truth-telling and taking responsibility more than we punish “bad” behaviour. If our children own up and say that they “did it” we should be actively praising this behaviour and pointing out that while the behaviour is not ok with us, we’re really impressed that they told the truth. Children will only lie if they are afraid of our reaction to the truth.

I know that many people worry that if they take this approach they will be too soft on the bad behaviour and will end up with unruly kids. One of the fundamental structures for well-behaved, compliant children is being their primary attachment (which implies complete trust, openness and closeness). If your children trust you completely and feel connected to you and loved no matter what they do they will actually be less likely to produce so called “bad” behaviours in the long run. Of course they will make mistakes along the way and present “negative” traits (like we all do) including lying, but this will not develop into any kind of delinquency if that adult-child connection is in place. And part of keeping it in place is keeping the lines of communication open and allowing your children to tell the truth and know they will be safe.

I think this is a fundamental skill to work on when your children are little and to instil a sense of open communication and acceptance BEFORE they become teenagers. Once our kids hit the teen years, if we’ve shut off honest communication, we are in for a different level of trouble with our children lying to us about things that can be life threatening, or where they really could use our adult help and guidance.

The next time your child lies to you think about why they would be afraid to tell the truth and then instead of punishing them for lying, rather address the rift in your relationship.

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