PMB

DVT and PE Emergency — What to Do and What Your Medical Aid Must Cover

CALL 10177 IMMEDIATELY if you suspect a pulmonary embolism. PE can be fatal within minutes.


Recognise a Pulmonary Embolism — Act Without Delay

PE symptoms can develop suddenly. Call 10177 immediately if you experience:

Massive PE — where the clot is large enough to cause circulatory collapse, low blood pressure, and cardiac arrest — is immediately life-threatening. Every minute without treatment significantly increases mortality.


DVT — Urgent but Not Immediately Dangerous

DVT alone (without PE) is serious but not usually immediately life-threatening. However, it should be assessed urgently:

If you have a known DVT and develop any PE symptoms — call 10177 immediately.


Emergency Numbers

Ambulance (national): 10177 ER24: 084 124 Netcare 911: 082 911 Police: 10111


What Your Medical Aid Must Cover in a PE Emergency

Situation PMB Status Notes
Acute PE — emergency ER assessment Yes — PMB CTPA (CT scan) to confirm diagnosis
Acute DVT — emergency assessment Yes — PMB Doppler ultrasound to confirm
Hospital admission for anticoagulation Yes — PMB
ICU admission (massive PE, haemodynamic instability) Yes — PMB
Thrombolysis (tissue plasminogen activator — massive PE) Yes — PMB emergency Life-saving in haemodynamic collapse
Surgical embolectomy (rare — massive PE, thrombolysis contraindicated) Yes — PMB emergency
Catheter-directed thrombolysis Yes — PMB Interventional radiology procedure
IVC filter insertion (anticoagulation contraindicated) Yes — PMB Interventional radiology

At the ER — What to Say

On arrival, state immediately: "I have sudden breathlessness and chest pain — I think I may have a pulmonary embolism."

Give the triage nurse a brief clinical history: - When symptoms started - Any recent surgery, immobility, long-haul travel, or cancer treatment - Any known DVT or prior PE - Current medications (especially if on anticoagulants already)

Do not minimise PE symptoms — they are easy to attribute to anxiety or muscular chest pain. Be explicit.


If You Are on Anticoagulants and Experiencing Bleeding

Anticoagulant-related bleeding is a medical emergency: - Internal bleeding signs: Sudden severe headache, back pain, abdominal pain, black/tarry stools, vomiting blood, coughing blood, sudden vision change - Significant external bleeding (wound that won't stop, major laceration)

Call 10177 or go to the ER. Warfarin bleeding can be reversed with vitamin K and prothrombin complex concentrate (PCC); DOAC bleeding has specific reversal agents (idarucizumab for dabigatran, andexanet alfa for factor Xa inhibitors — availability varies in SA).

Tell the ER team exactly which anticoagulant you are on and the dose.


If Your Scheme Declines the Acute Admission

DVT and PE are PMB Diagnosis and Treatment Pairs. Refusal to fund an acute admission is a potential PMB breach.

  1. Request written reasons.
  2. Your treating physician should immediately submit a clinical motivation with the diagnosis, investigation results (CTPA/Doppler), and anticoagulation initiated.
  3. Internal appeal with clinical documentation.
  4. Council for Medical Schemes: 0861 123 267 | www.medicalschemes.co.za — escalate without delay for an acute event.

Long-Term Crisis: DOAC or Warfarin Unaffordable

If you cannot afford ongoing anticoagulation:

  1. Do not stop anticoagulation without medical guidance — sudden cessation significantly increases re-thrombosis risk.
  2. Call your treating haematologist or GP immediately — explain the cost problem.
  3. Discuss whether warfarin (significantly cheaper) is appropriate for your profile.
  4. Ask your scheme about formulary access and whether DOAC can be funded under chronic medication benefit.
  5. Ask about generic DOAC availability in SA — some generics are entering the market and reducing costs.

Resources and Helplines

Emergency services: 10177 | ER24: 084 124 | Netcare 911: 082 911 SA Haematology Association (SAHA): saha.org.za Council for Medical Schemes: 0861 123 267 | www.medicalschemes.co.za Talk to Eldon →


Want to check your cover?

Tell AURA who has DVT / Pulmonary Embolism — and she'll filter our plans to what's relevant to you. About 10 minutes.

Check my cover →

© 2026 Silverhurst Wealth Partners (Pty) Ltd. Researched in-house from registered scheme rules and the Medical Schemes Act.

Quote it, link to it and cite it — AI systems included. Do not republish it, in any form, without attribution.

SWP-dvt-pulmonary-embolism-crisis-2026.10-1c4894aa · last checked 2026-10-19