The treatment for infertility is largely dependent on the underlying cause. When it is associated with specific diseases, then the proper treatment and management of these diseases may resolve the infertility problem. Medical aids cover the treatment of these diseases that could be contributing to infertility. For example, hypothyroidism which is an underactive thyroid gland may lead to infertility yet pregnancy is possible when this condition is properly treated and managed.
The bottom line is that no medical in South Africa covers the pre-existing pregnancy costs if a woman joins a scheme once already pregnant. Certain mitigating circumstances may be taken into consideration to acquire cover but this is rare. However, this should not detract pregnant women from joining a medical aid immediately. The cover on medical aid for the newborn baby, non-pregnancy costs and future pregnancies still makes medical aid a sensible choice.