Why You Should Choose Fedhealth Medical Aid
Your need to join a medical aid is unique to your circumstances. A "one-size-fits-all" medical aid is not what you want.Fedhealth has joined with Sanlam to offer a bigger, financially stable medical aid.
They give you more control over your premium through more choice on how you structure your plan.
You pay only for what matters to you.
- Flexibility and Customisation
All Fedhealth plans are hospital plans, and are cheaper than comprehensive plans.
You have the option of adding a savings fund for out of hospital costs, where you only repay what you spent - when you spend it.
Not like other schemes where you repay savings even if you have not used them.
Fedhealth is the only medical aid which allows you to control how much you spend on day-to-day claims.
You create a plan with a savings fund that meets your needs and budget.This can give you significant savings on your premium.
- Unique Benefits Paid from Risk
Unlike other schemes, Fedhealth offers several day-to-day benefits paid directly from risk pool and not your savings.
Benefits like unlimited network GP visits, casualty cover, post-hospitalisation benefits, and the ability to upgrade your plan at any time after a major life event—without having to wait for annual review periods.You do not have to join a high-cost plan as "what if" protection against potential high medical costs, because Fedhealth allows members to upgrade their plan at anytime, within 30 days of a major life event.
- Comprehensive Hospital and Chronic Cover
Fedhealth offers unlimited private hospital cover for emergencies and planned procedures well as additional support such as trauma treatment, maternity benefits, and specialised radiology.
They do pay more from risk than most medical aids.
Fedhealth covers a wide range of chronic conditions, including chronic illness support programmes. - Affordable Plan Options
Fedhealth offer several affordable plans, from entry-level for individuals and families just starting out, to fully comprehensive plans for those needing more comprehensive cover.
Coupled with their unique “pay-as-you-use” savings approach, you can join a plan with real benefits s for lower monthly premiums than many other schemes.
Fedhealth medical scheme is different to any other scheme, offering the following answers to some of the biggest medical aid problems we face:
Fedhealth really does pay more than other schemes.
In addition to the hospital benefits above:- Unlimited Network GP consultations!
- Female contraception benefits!
- 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!
- 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.
1. Fedhealth in hospital benefits:
All Fedhealth plan 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 will get more hospital benefits from Fedhealth than other hospital plans!
2. Fedhealth has created a completely unique day-to-day repayment structure for their members
Most medical aids have a savings account, (paid as an added amount to your premium), whether you spend those savings or not.
However, Fedhealth has a unique feature allowing members to manage their Day-to-Day Savings, which directly affects their monthly premium!
You can choose from:
- Hospital plan with optional out-of-hospital savings as a safety net.
Unique to Fedhealth, you have a predetermined amount of savings available, but until you start spending it, you do not pay for it!
This is unlike any other medical aid where you immediately repay the savings whether you spend them or not!When you spend from your savings account, you only repay the amount that you spend over the next 12 interest-free months.
That portion is added to your next and following premiums until it is repaid, whereupon your premium drops down to that of a hospital plan. - Comprehensive medical aid - works exactly like any other medical aid with in and out-of-hospital benefits.
You have an annual amount in a savings fund to help pay for expenses and you repay a portion of those savings monthly, as part of your premium, whether you spend it or not.
You have a safety net should you spend all your savings.
Fedhealth gives you unrivalled control, choice, and flexibility over what you use and what you pay.
How the savings work ...
3. Spent all your savings?
Some (more expensive) plans have a safety net (known as an Above Threshold Benefit), whereby, once your claims add up to a pre-determined amount, the medical aid pays certain costs to the end of that yearIf you do not spend all your savings, although they roll over to the following year, and are locked into your medical aid, so cannot be used for other needs.
No other medical aid plan permits such flexibility!
And Fedhealth give you the highest allocation of savings of most medical aids.4. Discounted premiums
If you are prepared to use network hospitals and providers, you can secure a 10% premium discount with Fedhealth's GRID plans, and still get identical benefits to the more expensive options.
There are over 120 world-class network hospitals and extensive GPs and specialists available.
Or, agree to a set co-payment of R 15,470 for every planned hospital admission and you get a 25% discount premium discount.
(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!
Are You Joining the Right Plan?
Most medical aids only allow upgrades of a plan at year-end, however what if you need higher benefits than what your plan offers, today?
No one knows what medical conditions may happen tomorrow, let alone in a year’s time.
Most members then choose a plan based upon a "what if" situation, and that is always more expensive.
Only Fedhealth allows you to upgrade at any time of the year, within 30 days of a life-changing event like pregnancy or a serious illness diagnosis.
Now you can join a lower benefit (and cheaper) plan that meets your needs today, secure in the knowledge that you can upgrade to a higher plan, with better benefits, at any time of the year!How to Create Your Ideal Fedhealth Medical Aid
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!
Application to Join Fedhealth Medical Aid
Frequently Asked Questions: 4 Reasons to Consider Fedhealth Medical Aid
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 you 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)
Talk to me .... I am here to help you - at no charge!
bestmedicalaid.co.za is a fully licenced healthcare advisor and provides free expert help when choosing the best plan for your needs.
Send me your questions and concerns. I'll answer them for you.
Get Your Free Quote
083 655 2164
You must consult the schemes/company product brochures and rules for comprehensive benefit descriptions.
We will offer you the best help at no cost!
Easy-to-understand articles on medical aid.
Medical aid pays healthcare costs.
What if a disability stops your income?
Peter Pyburn - Authorised Financial Services Provider has been fully licensed to provide expert financial services since 1991.Based in Sandton, Johannesburg, Gauteng, we specialise in comprehensive financial planning including: Death and Disability Cover, Retirement Planning, Investment Strategies, Medical Aid, Estate Planning
FSP Licence 2995 and Medical Aid Accreditation BR 7428.
Why Choose Peter Pyburn?
Over 30 ears of experience in financial services - Fully Licensed and Accredited for medical aid and other Personalised financial advice.
Council of Medical Schemes
Disclaimer, Medical Disclosure
By submitting an enquiry you agree to us collecting the information in the fields above. Please refer to our POPI Manual.
Your data will be processed according to the Protection of Personal Information Act (POPIA) guidelines.
Important Disclaimer: This content is for informational purposes only and does not constitute financial or healthcare advice.
Medical aid benefits are subject to change. Please consult the medical aid brochure and speak to me before making any decisions.
South African rights reserved.
Last verified:November 1, 2025