How do you Create Your Ideal Fedhealth Medical Aid?

flexiFED 1 - For young people who are single, in a relationship or just married. An affordable hospital plan with day-to-day savings that gives you solid medical aid cover at a great price.

• Unlimited network hospitalisation.
• Unlimited maternity cover at cost with network GPs and specialists.
• Network GPs and specialists are covered unlimited at cost.
• Non-network GPs, specialists and other healthcare providers are covered up to 100% of the Fedhealth Rate.
• Unlimited cover for 26 chronic diseases as listed on the Chronic Disease List (CDL).
• Includes the tests and healthcare assessments that ensure that your health is on the right track.
• Savings for day-to-day costs.
• Safety net when savings used and claims add up to a certain amount of unlimited GP visits at nominated network GPs and preventative dentistry benefit at a contracted dentist including x-rays, scaling and polishing.

flexiFED 2 - Perfect family hospital plan and savings option if you’re just starting your parenting journey, with generous maternity and childhood benefits to give you extra peace of mind.

• Unlimited network hospitalisation.
• Unlimited maternity cover at cost with network GPs and specialists.
• Network GPs and specialists are covered unlimited at cost.
• Non-network GPs, specialists and other healthcare providers are covered up to 100% of the Fedhealth Rate.
• Oncology benefit of R290 400.
• Childhood illness specialised drug benefit for children up to 18.
• Unlimited cover for 26 chronic diseases as listed on the Chronic Disease List (CDL).
• Includes the tests and healthcare assessments that ensure that your health is on the right track.
• Savings for day-to-day costs.
• Safety net when savings used and claims add up to a certain amount of unlimited GP visits at nominated network GPs and preventative dentistry benefit at a contracted dentist including x-rays, scaling and polishing.

flexiFED 3 - Ideal for growing families, with generous maternity and comprehensive childhood benefits to take care of your precious bunch.

• Unlimited network hospitalisation.
• Unlimited maternity cover at cost with network GPs and specialists.
• Private ward for delivery.
• Network GPs and specialists are covered unlimited at cost.
• Non-network GPs, specialists and other healthcare providers are covered up to 100% of the Fedhealth Rate.
• Oncology benefit of R290 400.
• Childhood illness specialised drug benefit for children up to 18.
• Unlimited cover for 26 chronic diseases as listed on the Chronic Disease List (CDL). Includes attention deficit hyperactivity disorder, depression, generalised anxiety disorder and post-traumatic stress disorder as well as Eczema, acne, allergic rhinitis for children up to the age of 18.
• Includes the tests and healthcare assessments that ensure that your health is on the right track.
• Savings for day-to-day costs.
• Safety net when savings used and claims add up to a certain amount. Comprises of unlimited GP visits at nominated network GPs and preventative dentistry benefit at a contracted dentist including x-rays, scaling and polishing.

flexiFED 4 - Provides solid medical aid cover for more mature families whose kids are no longer toddling about.

• Unlimited network hospitalisation.
• Unlimited maternity cover at cost with network GPs and specialists.
• Network GPs and specialists are covered unlimited at cost.
• Non-network GPs, specialists and other healthcare providers are covered up to 100% of the Fedhealth Rate.
• Oncology benefit of R464 700.
• Childhood illness specialised drug benefit for children up to 18.
• Unlimited cover for 26 chronic diseases PLUS an additional 16 as listed on the Chronic Disease List (CDL) including eczema and acne for children.
• Includes the tests and healthcare assessments that ensure that your health is on the right track.
• Savings for day-to-day costs.
• Safety net when savings used and claims add up to a certain amount. Claims will be paid, with a 20% co-payment except claims for network specialists.
• You’ll enjoy unlimited GP visits from R1 on this option!

Medical aids have a fund from which you pay all day-to-day costs.

They provide a pre-determined amount of money, for you to pay your out of hospital costs and you immediately start repaying that over 12-months. A portion is added to your premium.

So, the savings account within a medical aid is really a “compulsory loan”, as from the start and you are forced to repay savings whether you use them or not! You have no choice.

Fedhealth feel this is wrong and offer you a revolutionary way to pay for your day-to-day benefits!

Like all medical aids, you are allocated an amount of money for your day-to-day medical expenses.
BUT, only when you pay costs from this fund do you start to repay those amounts, interest-free, over 12 months or less if you want to!

Now that you have the ability to pay back only what day-to-day savings you have used, (and not a full repayment of the amount as with other medical aids), you will reduce your total medical aid costs.
It is that simple.

This is what makes the Fedhealth a game changer.
Why should you pay for something you haven’t used yet?

The total premium you pay every month, is made up of two parts - your hospital/risk cover and your contribution for day-to-day benefits.

Medical aids do NOT allow you to reduce your premiums - EXCEPT FEDHEALTH!

With flexiFED, the amount of savings you spend and repay, is voluntary and at your discretion! This is the only way you can control a medical aid premium!

You have the ability to decide just how much you want to spend on your medical aid.
You choose the amount of day-to-day funds you want to use and only repay that portion, over 12-months interest-free, when you spend it.

If you do not use your savings, you reduce your premium!
Yet you can keep savings there for when you do need it!
Again, why keep on paying for a benefit that you don’t immediately need?

Fedhealth makes your medical aid an affordable hospital plan, (the most important reason to have a medical aid in the first place), but with the safety net of day-to-day savings - that you control - in case of unforeseen treatments.

If you are prepared to have control, run your savings account as you wish and have the opportunity of reduced premiums, then the FLEXIBLE repayment structure is for you!

If you want a traditional medical aid, then the FIXED repayment structure is for you.

The FLEXIBLE repayment option.

You don’t pay for day-to-day benefits until you use them.

When you pay costs from your savings, you then repay that amount spent - over the next 12-months (or less if you want to) - until the amount you spend is repaid.

That small payment is added to your next premium and once the amount is repaid, your premium then drops down to only paying for the “risk” portion of your plan!

YOU don’t pay for day-to-day benefits until you use them. This could save you thousands over a year!

• You pay less without compromising the quality of your cover.
• You are in full control over how much you pay for your medical aid.
• You will have one debit order each month – made up of your Risk/Hospital cover contribution and your MediVault repayments.

Concerns:

• Your monthly premium can change with your use of the savings.
• You have to make the transfer of funds when you need them.
• Unused funds do transfer to your next year.

The FIXED repayment option.

If you prefer the simplicity and familiarity of the traditional medical aid.

This works the same way as all South African medical aid savings funds work.

• Your full annual saving allocation is ready for use from the start.
• Your premium, remains the same throughout the year.
• You know how much you have in your fund for the year.
• You will have one debit order each month.

Concerns:

• Your initial monthly premium is higher, because you immediately start repaying the savings.
• You have to repay the entire savings amount allocated to you, whether you use it or not.
• Unused funds do transfer to your next year.