Understanding how Fedhealth Medical Aid Plans work.
All Fedhealth medical aid plans offer unlimited private hospitalisation, coupled with a unique savings benefit.Unlike other schemes, Fedhealth allows you to join a lower-cost hospital-only plan and add optional day-to-day savings that you repay only when spent.
The lees savings you spend, the lower your premium.
Fedhealth also has discounted premium plans called GRID (10% premium discount) and ELECT (25% premium discount).
They also allow for plan upgrades at any time of the year, which no other medical aid does. Now you do not have to join an expensive plan on a "what if" basis.
Choosing which medical aid to join is a complicated decision.
There are so many options available that you really need professional help when investigating schemes.
This guide will help you understand how flexiFED plans work and let you create a plan that perfectly meets your needs and pocket.
Your 2 greatest areas of high medical expenses are private hospitalisation and dentistry.
Only a medical aid will effectively shield you against these financial threats.
However, not all medical aids are created equal.
The Fedhealth Advantage
By offering a Hospital and medical aid plan that puts you in control, Fedhealth is unique.The one-size-fits-all approach of other medical aids leads to unused money sitting in a savings account.
Money which is repaid through an amount added to your premium.
Medical aids add a portion of the savings fund repayment to your monthly premium, whether you spend savings or not. Why pay for benefits you seldom use?
Fedhealth do not do this!
They allow you to create a plan that meets your unique health requirements.
If you have the ability to self pay your out-of-hospital costs, you can join a hospital only plan at a much lower premium.
However, what if you are concerned about unexpected, high out-of-hospital expense happening in the future?
Lowering Your Premiums
Fedhealth allow you to join a hospital only plan (at a lower premium), and then add an optional day-to-day savings fund - that you repay only when you spend from it.
When you do not need to pay day-to-day costs, your premium remains that of a lower cost hospital plan, but with the safety net of a day-to-day savings fund. It is a game-changer in that you can now control your medical aid cost!
Day-to-Day Savings
Most medical aids have a day-to-day savings fund, but they demand a monthly repayment of that fund - whether you spend from it or not.
This means you're paying for savings you're not spending.
Is your hard-earned money tied up in a medical aid plan, where you have limited control over how it's used?
Choose Your Ideal Plan
1. The right hospital plan for you.
Hospital cover is the foundation of any medical aid option.
It is your protection against the big expenses that can financially hurt you.
There are 5 core hospital plans to choose from, providing you with in-hospital, chronic illness, screening and other benefits.
All core benefit bundles come pre-packed with value-added benefits paid from Risk (the scheme), not from savings. You can chooses to join any of the plans.
2. An additional discount.
All plans cover hospitalisation at any hospital (except SAVVY and flexiFED 1 which use listed hospitals).
GRID plans offer full cover using listed hospitals.
Use any hospital in an emergency.
There is an 10% premium discount for joining this option.
ELECT plans offer full cover at any private hospital with a R 15,470 excess for planned procedures.
No excess for emergencies.
There is a 25% discount when joining this option!
TIP: Consider joining a GRID or ELECT plan as well as a Top-up/GAP plan.
It is very possible that the premium discount saving, will fund the Top Up!
You will save premiums over the standard plan and have the excess, possible fee shortfalls and procedure co-payments paid by the top up!
It is unlikely you will find a better deal anywhere else!
3. How you want to use your day-to-day savings.
Hospital plan.
You may only want an in-hospital plan, and to self pay you day-to-day benefits. This plan is ideal because - even though you join an in-hospital only plan you get:
- unlimited network GP visits.
- preventative/basic dentistry.
- trauma treatment at a casualty ward.
- 7 days of take-home medicine.
- post-hospitalisation treatment.
- specialised radiology, for example MRI and CT scans.
- Female contraceptives.
Single member Premiums start from
R 1,055 pm. with R 6,310 in savings.
It’s so much more than your average hospital plan!
flexiFED Hospital and - Hospital plan and pay-as-you-go day-to-day savings.
The Fedhealth game changer . . . a hospital plan, with the option of day-to-day savings in case you need them.
Medical aid savings funds are like a compulsory loan. Many plans require you to contribute to a day-to-day savings fund from day one, regardless of whether you use them or not.
This fund is automatically factored into your premium, essentially making it a non-negotiable expense.
Fedhealth is a refreshing alternative. Unlike other providers, Fedhealth doesn't impose a compulsory savings repayment .
Instead, you only repay what you've actually spent from your savings.
With no interest, and it's spread over a 12-months.
Single member Premiums start from R 1,055 pm. with R 6,310 in savings.
flexiFED Comprehensive - Comprehensive medical aid.
This is medical aid as you’ve known it for years with traditional, upfront day-to-day savings allocated to you at the beginning of the year.
Single member Premiums start from R 1,475 pm. with R 5,050 in savings.
How the savings work ...
The amount of savings in the Hospital and option is greater than that in the Comprehensive option.
This is especially important for those who run out of the “traditional” savings during the year, as you can switch to the Hospital and plan (with its higher savings allocation) at anytime!
No other medical aid offers this ability to "extend" the buying power of your savings!
Only Fedhealth allows you to upgrade your plan at any time!
You don’t have to join an expensive, high benefit plan today, just because you think you may need it in the future.
With Fedhealth, join a lower option - safe in the knowledge that should you suffer a life-changing event, you can immediately upgrade to a plan that will help you when you need it.
Buy the cover you need now, not on a “what if in the future” basis like with other schemes!
No other medical aid offers that benefit!
The 5 flexiFED plans
These are significant costs you must consider.
Gap cover helps bridge the gap between what your medical scheme pays and the actual cost of in-hospital treatment.
GAP or top-up insurance plan. is a separate insurance that 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.
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!
Ask Yourself “WHY?”
- other medical schemes make you take a more expensive option “just in case”, instead of letting you upgrade if something actually happens.
- other medical schemes make you take a "compulsory loan" for your savings account - even if you seldom or never use it!
- other medical schemes make you pay for so much from your savings?
- other medical schemes do not allow you to control your costs?
Talk to me .... I am here to help you - at no charge!
Send me your questions and concerns. I'll answer them for you.
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083 655 2164
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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.
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Over 30 ears of experience in financial services - Fully Licensed and Accredited for medical aid and other Personalised financial advice.
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Last verified: September 6, 2025