All schemes cover maternity to PMB level (basic ante-natal, delivery, post-birth complications). Higher-tier plans add: more antenatal consultations (8 vs 12), 2D/3D scans, NIPT chromosome testing, private ward cover during delivery, post-natal nurse visits, breastfeeding consultations, and 'Nurture at Home' programmes for premature or NICU babies.
SA example: Discovery Executive: 12 antenatal consultations, 2 ultrasounds, NIPT test, R2,800/day private ward, breastfeeding consult, dietitian, and Nurture at Home for NICU babies. Saver plans: 8 antenatal visits plus scans, basic post-birth, no Nurture at Home.