3 Reasons why Fedhealth is the best Private Healthcare Medical Aid in South Africa.
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It is the ONLY Medical Aid that lets you choose your savings and control your premium!
- You get unlimited in-hospital cover at any hospital you choose!
- You choose what day-to-day savings you need and can afford.
- You only repay these savings when you use them!
Fedhealth also pay more health benefits than other medical aid, making your savings last so much longer and work harder for you!
Frequently Asked Questions: 3 Reasons why this Medical Aid is Highly Recommended
1. What makes Fedhealth the best medical aid choice in South Africa?
Fedhealth is the only medical aid to give you control over your day-to-day savings and therefore your total premium.
You can also upgrade your plan at any time, should you suffer a life-changing event. There is no need to join an expensive plan if you are concerned about future illnesses, like cancer. They also pay more from risk (so extending your savings) than any other scheme.
2. What does Fedhealth cover in hospital?
Fedhealth offers no overall annual limit hospitalisation that includes, hospital accounts, specialists and GPs, x-rays, pathology, take-home medication, specialised radiology, trauma casualty treatment, chronic illness, in-hospital dentistry for children under 7 and much more.
3. How does Fedhealth pay for out-of-hospital costs?
Fedhealth offer a choice of 3 savings structures. You can self-pay and have an in-hospital only plan, a traditional savings plan with a allocated fund that you repay every month or a Hospital and savings fund that you repay only when you spend from it - this is unique for medical aids.
4. What are the premiums for Fedhealth medical aid?
Fedhealth offers Hospital and and affordable flexiFED plans. Premiums from R 1,055 per month for single members, and R 3,660 per month for a family of 4.
5. What maternity benefits does Fedhealth provide?
Fedhealth understands the importance of comprehensive maternity care. With generous benefits including natural deliveries, private ward cover, rental of water baths, epidurals and C-sections, 2x 2D antenatal scans, 8 ante/postnatal consults with midwife, network GP or gynae; Doula benefit; Postnatal midwifery benefit. Join the Baby Programme for exclusive perks and round-the-clock support from expert teams.
(All benefits are plan dependent)
What does Fedhealth cover in hospital?
All Fedhealth options have an unlimited in-hospital benefit.It covers hospital costs and accounts from doctors, specialists e.g. the anaesthetist and the X-ray department.
Specialised radiology MRI/CT scans paid by the scheme
It also covers selected procedures in day wards, day clinics and doctor’s rooms.
Listed Specialists and GPs are covered in full. and others at the Fedhealth rate.
Follow-up treatment for 30 days once you get discharged from hospital, like physio, x-rays and pathology paid by the scheme!
Trauma treatment like stitches in a casualty ward whether you’re admitted to the hospital or not!
In-hospital dentistry for children under 7 years old!
Certain procedures will be paid from the in-hospital benefit if performed in a doctor’s room or suitably equipped procedure room.
How will Fedhealth pay out of hospital costs?
While most providers offer a savings account coupled with your premium, Fedhealth takes it to the next level with a smarter, more Hospital and system.Only Fedhealth gives you 3 different ways to structure your day-to-day benefits.
- Hospital plan only.
Lowest premiums. Cover the area of your greatest medical financial risk - private hospitalisation. You get more hospital benefits from Fedhealth - please see below....much more than other hospital plans! - Hospital plan with backup savings.
Access day-to-day savings even while on a hospital plan and only repay them when you spend them.
The amount of savings you spend will be divided by 12 and added to your monthly contribution.
Do not spend and you have the best hospital plan - at a low premium - but with a safety net of savings should you need them. Unique! - Comprehensive medical aid with Savings.
An added pool of funds from which you pay day-to-day costs.
A safety net once your savings spent covering unlimited GP consults, dentist benefits, MRI/CT scans, trauma casualty, take home medicine, 30-day post hospital benefits, female contraceptives.
Fedhealth does it way better!
Fedhealth are the only scheme in South Africa that allows you to pay for day-to-day benefits only when you use them.You only pay for the savings you spend - not a those that remain unspent in your medical aid - like you do with other medical aids.
All Fedhealth plans are basically hospital plans, which are cheaper than comprehensive plans.
They all have a day-to-day savings fund as a benefit, but they only charge you for that savings fund, when you spend from it.
So, if you don't need to pay for day-to-day costs or you can keep them at a minimum, your savings remain untouched and that results in a lower premium.
No other medical aid plan permits such flexibility!
When you need to pay out-of-hospital costs, you can immediately use your savings.
You then repay the amount you spent - over the next 12 months, interest-free. That repayment is automatically added to your next and subsequent premiums.
Your future premiums will increase by just 1/12th of the spend, making the repayment process hassle-free.
And once it's paid, your premium decreases again!
Unlike other medical aids where you're required to start repaying savings immediately, Fedhealth members enjoy the benefits of a hospital-only plan while having the safety net of accessing (and repaying) a day-to-day savings fund when necessary.
Fedhealth give you the highest allocation of savings of most medical aids.
You choose your day-to-day savings.
You choose the way you want your savings to work with one of Fedhealth's range of flexiFED plans.Life is unpredictable, but with Fedhealth, you can choose a plan that will meet your needs and protect you into the future.
Only Fedhealth gives you 3 ways to use and pay for day-to-day savings.
1. 
HOSPITAL PLAN and self fund day to day costs.
The best in-hospital cover with many added benefits that are not paid by most other medical aids.
2. HOSPITAL PLAN with optional savings - pay-as-you-go use of savings, only repaying what you have spent.
Repay only what savings you use when you spend it, (not like other medical aids who add a monthly repayment amount,even when you do not spend savings)
Why pay for something you haven’t used?
3. COMPREHENSIVE MEDICAL AID, just like any other medical aid.
Medical aid as you’ve always known it. Savings fund is paid upfront, and you spend it as you need.
A single premium that includes risk benefits and savings repayment, irrespective of savings spend.
With Fedhealth, your peace of mind is top priority.
All the plans come with an safety net, protecting you if you run out of savings during the year.
Unlimited network GP visits, preventative and basic dentistry with listed providers.
But that's not all as you can also switch plans should you have used your savings on a Comprehensive plan!
You switch to a Hospital and plan, which comes with a higher savings allocation, at any time.
No other medical aid offers this ability to "extend" the buying power of your savings!
Say goodbye to rigid, one-size-fits-all medical aid savings plans and join a plan that you control.
How the savings work ...
Fedhealth really does pay more than other schemes.
- Unlimited Network GP consultations!
- Follow-up treatment for 30 days once you get discharged from hospital, like physio, x-rays and pathology paid by the scheme!
- Specialised radiology MRI/CT scans paid by the scheme, in and out of hospital!
- Trauma treatment like stitches in a casualty ward whether you’re admitted to the hospital or not!
- Female contraception benefits!
- In-hospital dentistry for children under 7 years old!
- Excellent maternity cover – like Doula, scans, amniocentesis, network GP, antenatal classes etc benefits!
- Infant hearing screening and paediactrician visit paid!
- Child rates up to the age of 27!
- Only pay for 3 children, the rest are free!
- Certain procedures will be paid from the in-hospital benefit if performed in a doctor’s room or suitably equipped procedure room
- 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.
- Hospital at Home to bring all the essential elements of in-patient care to your home, including real-time patient monitoring.
- Unlimited approved chronic medicine cover.
Discounted premiums
Agree to a set co-payment on planned hospitalisation and you get a premium discount.
Get an 10% premium discount simply by using network hospitals!
OR, get a 25% discount by paying R 15,470 for every planned hospital admission!
(Not in an emergency)
TIP: Use the saved premium to join a top-up plan. You now have a hospital plan paying 5 times medical aid rates, with excesses and procedure co-payment cover.
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!
How much is Fedhealth medical aid?
There are 5 flexiFed Hospital and savings options.Single member premiums start from R 1,055 pm. with R 6,310 in savings.
OR, the same 5 flexiFed plans but with Comprehensive medical aid options. (Like any comprehensive medical aid with savings)
Single member Premiums start from R 1,475 pm with R 5,050 in savings.
Fedhealth offers comprehensive maternity benefits.
If you're planning a family (not yet pregnant) and not on medical aid, now is the perfect time to consider Fedhealth.
Generous maternity and childhood benefits with flexFED 2 and 3 plans provide the best care possible, at an affordable premium.
Many pregnancy-related costs are covered from risk, conserving your savings for other essential expenses.
Join the Baby Programme, and receive a Fedhealth baby bag filled with delightful goodies. Furthermore, a team of experts is available 24/7 to provide you with valuable advice and support, giving you all the information you need to make the correct decisions for your baby's well-being.
Register on the Fedhealth Family Room, the user-friendly online member portal, and you can join a vibrant Baby Bumps community, connecting with other parents and accessing a wealth of interesting reads and rewarding experiences.
Maternity Cover is a key consideration for many new medical aid members.
Pregnancy and your medical aid cover
Private healthcare providers can charge up to 500% of medical scheme rates.Medical aids add procedure co-payments as well.
These are significant concerns for medical aid members.
Protect yourself against these potential threats, by joining Cura's GAP or top-up insurance plan.
OR Zest GAP or top-up insurance plan.
This separate insurance will cover most in-hospital claim shortfalls and any co-payments. It is a vital safety net, ensuring you have adequate benefits for medical treatments without bearing the full burden of unexpected costs.
Protect yourself from soaring medical expenses by bridging the gap between medical scheme rates and the charges imposed by private providers.
Specialised Dental treatments can be extremely expensive!The costs of braces, root canal, implants and so on, can run into thousands of rand. Most treatments are done out of hospital, so are funded from your savings. That can result in less money available for other medical needs and family limits being used on one member only!
Dental treatment is something we all need and it is vital you consider the Best Dental Insurance Plan OR Most Affordable Dental Planin South Africa.
No Medical Aid or have a Hospital Plan only? This plan will help you meet the high costs of both normal and specialised dentistry!
Fedhealth has over 80 years of excellent medical scheme experience in South Africa.
They pride themselves on being "run by members - for members" and have had a AA- Global Credit Rating with reserves well-over the legislated 25%
They are a very innovative medical scheme and the flexiFed range of plans has revolutionised the medical aid market.
You owe it to yourself and certainly your loved ones to seriously join Fedhealth Medical Aid as your healthcare solution.
Send me your questions and concerns. I'll answer them for you.
You must consult the schemes/company product brochures and rules for comprehensive benefit descriptions.
083 655 2164
You must consult the schemes/company product brochures and rules for comprehensive benefit descriptions.
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YOUR TRUSTED, QUALIFIED ADVISOR:
Peter Pyburn - Authorised Financial Services Provider, fully licensed to render financial services since 1991. Death and Disability Planning; Retirement Planning; Investment Planning; Healthcare and Estate Planning.
FSP Licence 2995 and Medical Aid Accreditation BR 7428
Based in Sandton.
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Last update: May 15, 2024