Pregnancy is a special time in every woman’s life. While there is often some degree of worry about the upcoming delivery but excitement about the new member in the family, there are many considerations that a pregnant woman has to bear in mind. Probably the most important of these is financial protection. Hospital plans are not affordable for every South African but can make a massive difference in easing the financial stress and accessing quality medical care. Women should ideally have a hospital cover before falling pregnant – both a medical aid, either full cover or hospital plan only, and a hospital cash plan. These are different products and one cannot replace the other. However, this is not always possible or affordable and it is then important to carefully consider your individual needs.