Inca,
Best to check with your medical aid and see what they will cover beforehand so that you don't get nasty surprises. I know there is one medical aid (Perhaps Bonita or Best med - not sure) that covers 100% of midwives fees.
Yes, Dr. Swart is pro-natural as far s I know as all my friends had natural births with him.
Should you use Midwives exclusives you will have to use one of their suggested back-up gynies (not Dr. Swart) should a complication arise during pregnancy or birth. I saw their back up gynie only once at 38 weeks to meet her and never again since the birth went smoothly.
I think it all depends how determined you are to have a natural birth, especially a "gentle birth" with minimal interventions (if no special circumstances are present of course). Using a doctor as your main care provider in my opinion will increase your chance of having interventions (even a pro-natural doctor). Using a Midwife is your best bet to have as little as possible interventions in my opinion.
In the end it is what makes the mom the most comfortable that will determine in most cases the satisfaction or dissatisfaction with the birth outcome, did you feel safe with the care providers that you chose and did you feel you were well informed during the birthing process of the risks involved/details of procedures should a medical intervention become needed. Moms who feel that they lost all power/control when doctors/care providers had to use medical interventions without talking/explaining to them beforehand often feel unhappy about their birthing outcome if things didn't go as planned in my experience. Obviously in some extreme rare emergencies there is no time for talking and explaining and action needs to be taken ASAP to avoid serious further complications for mom and baby.
If you take a look at the c-section rate in Private hospitals in South Africa it must be around 80%. Therefore your chances of having a c-section even if you wanted to go natural means that most doctors at private hospitals will also have a relatively high c-section rate. If you are determined to have a natural birth it would be best to choose a careprovider that can give you statistics to your ratio of natural births and c-sections for their patients as this will give you a true indication of your likelyhood of having a gentle natural birth.
This is just my take an experience of birth in South Africa.