4 Reasons to Consider Fedhealth Medical Aid
Reasons why this is the Best Medical Aid
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Why Choose Fedhealth Medical Aid
The medical aid you join should offer benefits to meet your needs and want. A "one-size-fits-all" medical aid is not ideal.And Fedhealth medical aid stands is such a scheme.
With Sanlam as a partner for stability, they offer affordability, inclusivity, and cutting-edge benefits.
You have way more control over premiums and more choice on how you structure your plan. than with any other scheme.
You pay only for what matters to you.
- Flexibility and Customisation
All Fedhealth plans are hospital plans, and cost less than comprehensive plans.You have access to a day-to-day savings you can activate at any time you need, (without waiting for year-end option changes) and you don’t pay a cent extra for this unless you spend from it.
Not like other schemes where you repay savings even if you have not used them.Fedhealth is the only medical aid that 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 and this can give you significant savings on your premium. - Unique Benefits Paid from Risk
Fedhealth pays several day-to-day benefits directly and not your savings, like unlimited network GP visits, essential network dentistry, and post-hospitalisation benefits.You have the ability to upgrade your plan at any time after a major life event, without having to wait for annual review periods.
This means you do not have to join a high-cost/high benefit plan as "what if" protection against potential high medical costs.Fedhealth introduces D2D+ benefit in 2026 which rewards you with up to R4,500 in extra day-to-day benefits to use for GP, specialists, prescribed medicines, basic dentistry, pathology and general radiology.
- 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 cover a wide range of chronic conditions, and include 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.Cover for the digital generation.
At just R1,155 a month, flexiFED Savvy is South Africa’s most affordable medical aid for the young and Tel-savvy generation.
With unlimited virtual GP consults and 3 in-person GP visits, built-in day-to-day savings that you do not pay for unless you spend it, extra mental-health benefits, and Sanlam Rewards the plan is designed to be more affordable.
Coupled with their unique “pay-as-you-use” savings approach, you can now join a plan with real benefits for lower monthly premiums than many other schemes.
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 backup 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.
3. Spent all your savings?
Both plans have a safety net (known as an Above Threshold Benefit) where, once your claims add up to a pre-determined amount, Fedhealth pays certain costs to the end of that yearOn the Comprehensive plan, if you do not spend all your savings, they roll over to the following year.
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, 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 15,950 for every planned hospital admission and get a 25% discount premium discount with Fedhealth's GRID plans.
(Not payable in an accident or 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.Joining a hospital plan with Gap Cover remains the most affordable way for families to protect against rising costs in 2026.
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 a hospital plan with optional day-to-day savings that you repay only when you spend from it or a traditional savings plan with a allocated fund that you repay every month.
4. What are the premiums for Fedhealth medical aid?
Fedhealth offers Hospital and and affordable flexiFED plans. Premiums range from R 1,155 per month for single members, to R 4,008 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)
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