A medical aid is only the best if it suits most of your needs and that is a very subjective decision, as we all have different needs and wants!
If I tell you why this medical aid plan offers you much more than other schemes, would you seriously consider joining them?
Well then ...consider these benefits:
WHAT FEDHEALTH COVERS IN HOSPITAL.
Unlimited private hospital cover in any hospital you choose.
Day ward, day clinic and certain procedures done in a doctor’s room.
Trauma treatment like stitches in a casualty ward whether you’re admitted to the hospital or not.
Specialised radiology, in and out of hospital.
Unlimited accident and emergency treatment with no co-payment.
30-day post hospital benefit.
In-hospital dentistry for children under 7.
HOW FEDHEALTH PAYS OUT OF HOSPITAL BENEFITS.
Most medical aids offer a savings account with which to pay day-to-day costs. They advance you a sum of money upfront and add a monthly repayment of some of that amount to your premium – every month, from the start. Whether you use the savings or not! So, even if you don’t use the savings, your premium remains the same. This is really a compulsory loan you cannot refuse!
WHY FEDHEALTH DO IT WAY BETTER!
Fedhealth also allocate a fund of money with which you pay out of hospital costs.
But, unlike other schemes they only require you to repay what you have spent, when you spend it!
They are the only scheme in South Africa that enables you to pay for day-to-day benefits, if and when you actually use them. And then, you only pay for the portion you use!
You can substantially reduce your premium this way!
If you don’t need to pay day-to-day costs, you don't use your savings and your premium is lower. In fact it is that of the best hospital only benefit plan! No other medical aid allows you to do this!
Yes, now you can really control your medical aid premium!
If you do need to pay out of hospital costs, you can immediately access your savings and pay them.
It is only now that you repay what you spend, over the next 12-months - interest free. Your premiums will increase by 1/12th of that spend (as you are repaying it over 12-months) until it is paid back. Then your premium reduces again!
Remember, that with other medical aids, you have to immediately start repaying savings - even if you have not spent them!
HOW FEDHEALTH HELPS YOU!
If you are healthy with minimal needs for day-to-day benefits, you are really only joining a hospital only plan – BUT have the security of a day-to-day savings fund should you need it.
And only paying a hospital plan premium, until you use your savings!
Fedhealth also give you the highest amount of savings allocation of most medical aids.
They offer a safety net should you run out of savings during the year. With unlimited network GP visits, preventative and basic dentistry and certain other expenses paid by the scheme, you can feel confident you will not run out of cover!
If you want the familiarity and simplicity of a typical medical aid, you can have the identical plan, but with a traditional day-to-day savings fund!
Infant hearing screening and paediactrician visit paid!
Child rates up to the age of 27!
Only pay for 3 children, the rest are free!
Sports and hazardous pursuits cover
You can upgrade to a higher option within 30 days of a life-changing event, like a pregnancy or the diagnosis of a dread disease! Never pay high premiums for a top plan, until you need it! And that move is guaranteed!
24-hour toll-free Nurse Line for expert medical and health advice from qualified nurses.
Unlimited approved chronic medicine cover.
HOW YOU CAN GET DISCOUNTED PREMIUMS!
Fedhealth offer cheap medical aid premiums, as you can get discounted rates by using network hospitals or choosing to have a set co-payment on planned hospitalisation.
Yes, get an 11% premium discount simply by using network hospitals! Get a 25% discount by paying R 12,000 for every planned hospital event!
TIP: If you join the ELECT plan option AND you join a Top Up plan, you will still save premiums over the Any Hospital plan - and have the excess, possible fee shortfalls and procedure co-payments paid!
Emergency hospitalisation is done at ANY hospital, irrespective of your type of plan.
flexiFED is really a hospital plan, BUT with the option of having day-to-day savings should you need them! And only repaying the savings you use, when you spend them!
Fedhealth medical aid prices.
There are 4 flexiFed Flexible savings options, where you control your savings.
Single member premiums start from R 1 088 pm. with R 3,900 in savings.
OR, the same 4 flexiFed plans but with fixed savings options.
Single member Premiums start from R 1 393 pm. with R 9,528 in savings.
All plans offer:
A safety net for certain day-to-day costs when savings are used.
Preventative screenings and lifestyle assessments (glucose, cholesterol, blood pressure, BMI and physical screenings.)
Maternity Cover is a key consideration for many new medical aid members.