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 pays more health benefits than other medical aid.
This makes your savings last so much longer and work so much 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 should youn be concerned about future illnesses, like cancer. They also pay more from risk (extending your savings) than any other scheme.
2. What does Fedhealth cover in hospital?
Fedhealth offers no overall annual limit hospitalisation. They include 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 range from R 1,055 per month for single members, to 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 hop,ital?
All Fedhealth options offer:
- unlimited hospital benefits that cover all associated costs, including specialists, anaesthetist and X-rays, doctors and various medical procedures.
- specialised radiology like MRI/CT scans is paid by the scheme
- selected procedures in day wards, day clinics, and doctors' rooms covered.
- listed Specialists and GPs covered in full. Others at the Fedhealth rate.
- follow-up, post hospital treatment like physio, x-rays, and pathology paid by the scheme!
- trauma casualty treatment like stitches - whether you’re admitted to the hospital or not!
- in-hospital dentistry for children under 7 years old!
- certain procedures performed in a doctor’s room or suitably equipped procedure room.
You get more hospital benefits from Fedhealth - (please see below).
Way more than other hospital plans!
How will Fedhealth pay out-of-hospital costs?
Most medical aids have a savings account, which is paid as an added amount to your premium, whether you spend those savings or not.
Fedhealth has a unique feature allowing members to customise their day-to-day savings, directly influencing their monthly premiums!
Members can choose from two plan options:
1. Hospital plan with backup savings.
The lowest premium to cover your greatest medical financial risk - private hospitalisation costs.It also gives you a safety net fund for high, unexpected day-to-day costs.
You have a fund for day-to-day costs (even on a hospital plan) that you only repay when you spend them.
The amount you spend is divided by 12 and added to your next monthly contribution.
If you do not spend the savings, you will have the best hospital plan - at a low premium - and a safety net of savings should you need them.
That's unique!
2. Comprehensive medical aid with day-to-day savings, just like any medical aid.
Comes with a safety net where, once your savings are spent and your claims add up to a pre-deterimed amount, Fedhealth pays unlimited listed GP consults and essential dental benefits.MRI/CT scans - in and out-of-hospital, trauma casualty, take home medicine, 30-day post hospital benefits and female contraceptives are included.
Fedhealth truly does it way better!
See: How to Create Your Ideal Fedhealth Medical Aid
Fedhealth is the only scheme in South Africa that allows you to repay your savings - only when you spend them!
Yes, you only pay for the savings that you spend - not a those that remain in your fund.
Other medical aids make you pay these savings even if they are unspent!
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.
All Fedhealth plans are hospital plans, which are cheaper than comprehensive plans.
No other medical aid plan permits such flexibility!
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.There are 2 ways to use and pay for day-to-day savings.
1. 
HOSPITAL PLAN with optional savings - pay-as-you-go use of savings, only repaying what you have spent, when you spend it.
Why pay for something you haven’t used?
2. 
COMPREHENSIVE MEDICAL AID, just like any other medical aid.
Medical aid as you’ve always known it.
A savings fund is given to you, upfront and you spend it as you need to.
A single premium that includes risk benefits and savings repayment, irrespective of savings spend.
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 after being discharged from hospital Physio, x-rays and pathology paid by the scheme!
- Specialised radiology MRI/CT scans paid by the scheme, whether in or 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 – benefits like Doula, scans, amniocentesis, network GP, antenatal classes etc!
- 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 are paid from the in-hospital benefit, if performed in a doctor's room or suitably equipped procedure room.
- 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 a 10% premium discount when using network hospitals!
OR, get a 25% discount when paying R 15,470 for every planned hospital admission!
(Not payable in an emergency)
TIP: Use the saved premium to join a Top-up/Gap plan.
You now have a hospital plan paying 5 times medical aid rates, with excesses and procedure co-payment covered.
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 1,476 pm with R 5,050 in savings.
Fedhealth offers comprehensive maternity benefits.
If you're planning a family (but you are 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 paid from risk, conserving your savings for other essential expenses.
Join the Baby Programme, and receive a Fedhealth baby bag. A team of experts is available 24/7 to provide 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), or 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 costs you must consider.
Protect yourself by joining Zest's 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 enough to cover medical treatments, without having to pay for 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, and are paid 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 Plan in 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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