Buy the Most Affordable Medical Aid
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Joining a good medical aid can be a very expensive process. Private care is a non-negotiable in South Africa, but the cost of treatment is frightening!Is it possible to find a medical aid that is affordable, but with good benefits?
Absolutely and The Fedhealth FlexiFed 1 plan is your answer!
Medical aids typically have 2 parts: in-hospital benefits (risk) and day-to-day savings from which you pay all out-of-hospital costs.However, not all day-to-day savings funds work the same way.
Fedhealth offers a unique approach to medical aid savings that gives you control and flexibility.
A medical aid advances you a year's worth of savings upfront in your savings account, repaid by a monthly amount added to your premium. This happens whether you spend those savings or not!
Fedhealth do not do this. They advance you a amount in a savings fund, but you only repay what you spend - when you spend it!
You repay it over the next year, interest free. 1/12th of your spend is added to your next, and subsequent premiums, until the spent money is repaid.
Then your premium reduces back to that of a hospital plan.
If you do not spend the savings, your premium remains that of a hospital plan - lower than that of a comprehensive medical aid.
No other medical aid does this!
Frequently Asked Questions: Buy the Most Affordable Medical Aid
1. Is it possible to find affordable medical aid with good benefits in South Africa?Absolutely! Fedhealth's FlexiFed 1 plan offers a unique approach to medical aid savings, providing control and flexibility while keeping costs manageable. Excellent hospital, chronic illness benefits and a savings fund from which to pay your day-to-day expenses - that is only repaid once you spend from the fund - you can join a low premium medical aid at a very affordable premium.
2. How does Fedhealth's day-to-day savings plan work?
Like traditional schemes, Fedhealth advances you a savings fund upfront. But, you only repay what you spend from the fund, when you actually spend it. The “loan” is repaid over the next 12-months interest-free by adding a portion to your premium until it is paid off. The premium then reduces to that of a hospital plan, until you spend further savings when the same process begins again.
3. What benefits does Fedhealth offer with its medical aid plans?
Fedhealth provides extensive in-hospital and day-to-day benefits, including unlimited any hospital cover, trauma casualty, chronic illness treatment, lifestyle benefits, and preventative wellness programs. You can upgrade your plans at any time should you suffer a life-threatening illness.
Does Fedhealth offer discounted premiums, without compromising on benefits?
Yes, Fedhealth offers a 10% premium discount when you use listed hospitals (except in an emergency) and a 25% premium discount if you accept a
R 15,470 admission excess (except in an emergency).
There are 3 options for your day-to-day savings.
- Hospital plan only:
If you are in good health and can self-fund your day-to-day costs, the hospital plan offers unlimited private hospital cover. It includes essential out-of-hospital GP and dentist visits. - Comprehensive medical aid:
This option is like any traditional medical aid, with a savings fund, repaid monthly as part of your premium, irrespective of your savings spend.
- Hospital plan with Hospital and Saving plan:
Has a savings fund amount allocated at the beginning of the year. You repay that fund only once you spend those savings (read about this above).
This freedom ensures you have the best hospital plan coupled with a safety net for unforeseen expenses.
Don't be trapped by schemes that force you into repaying savings you haven't used.
How the savings work ...
You choose the plan you want.
Consider this plan – for R 2,505 pm (single member) you get:
Listed hospital benefits
- Unlimited accident and emergency treatment at any listed private hospital.
- Unlimited listed hospital cover for planned procedures.
- Doctors and Specialists (like anaesthetists) covered
- X-rays
- Casualty trauma treatment paid.
- Post-hospitalisation benefits like physio, x-rays, and pathology paid - that other schemes pay from your savings!
- Take home medicines.
- Specialised radiology like MRI and CT scans paid.
- Maternity benefits pay for a Doula, post-midwifery consults
- Dentistry for children under 7 years of age.
- Oncology with preferred ICON provider.
- Listed Day Clinic and Doctor’s room procedures paid.
27 chronic illnesses cover including treatments.
Lifestyle benefits
- Female contraception.
- Child rates for financially dependent children up to age 27.
- Only pay for 3 children.
Day-to-day benefits
- Unlimited listed GP visits and preventative dentistry, once claims add up to a pre-determined amount.
- Specialised radiology like MRI and CT scans paid.
- Optional access to R 6,890 worth of savings for day-to-day costs if you want them. Pay back what you spend – interest-free – over 12 months when you spend it.
- Mental health PMB benefits paid by scheme.
- Hospital at Home benefits - real-time patient monitoring and active treatment at home.
Preventative and Wellness benefits
- Health Risk Assessment for those who are at risk of developing a lifestyle disease paid.
Help to prevent or manage such a condition. - Conservative Back and Neck Rehabilitation Programme paid.
- Weight, HIV, and Diabetes management Programmes.
- Stop Smoking Programme.
- 24/7 telephone advisory support for parents with children under 14 years of age.
- Infant hearing screening.
- Screening benefit pays for men’s, women’s, and children’s health, cardiac health, and over 45’s screenings.
- Full lipogram for cholesterol, Pneumococcal and flu vaccines, Pap smear, PSA prostate, mammogram colorectal cancer screening.
24-hour nurse advice through toll-free calls.
Europe Assist emergency response and transport.
MediTaxi for post-hospital transport where you cannot drive to appointments.
Best of all …with Fedhealth you can upgrade to a higher option at any time of the year if you are diagnosed with a severe illness, get married, or fall pregnant.
Why pay for a top plan “just in case” you need the higher benefits?You can reduce your premium even more!
Choose:
- to use listed private hospitals or planned hospitalisation – NOT accident or emergency – and get an 10% premium discount!
- to pay an R 15,470 excess for planned hospitalisation – NOT accident or emergency – and get a 25% premium discount!
Now only pay from R 1,953 pm and get everything above!
You are really joining the finest in-hospital plan (at a lower hospital plan premium) but with the safety net of having (and only repaying), day-to-day savings should you need them.
No other medical aid offers this choice!
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!
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083 655 2164
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Last verified: July 9, 2025