Now you have CHOICE and FLEXIBILITY when choosing a healthcare Plan!
Yes, you can SAVE on medical aid that's made for only you!
Why be forced into broad categories and have to join complex options, where you pay for day–to–day benefits upfront - even before you have spent a cent?
They don't meet your needs anyway.
Medical aids take 25% of your monthly contribution and place it in a medical savings account which is used to pay for day-to-day benefits. Whether you claim or not!
Fedhealth has turned this model around!
FlexiFED allows you to begin paying for day-to-day benefits only when you need them.
Only when you need your out of hospital savings to pay claims, do you then have 12 months - interest-free - in which to pay them back!
Here’s the saving for you ... normally members are charged for day-to-day savings from the beginning of the year, regardless of whether they have claims or not!
Fedhealth is now the only medical aid to offer members a significantly reduced monthly rate by introducing the MediVault and Wallet way of paying out of hospital costs.
The flexiFED range gives you more control, flexibility and choice over your medical aid plan.
And the chance to save on your monthly contributions!
Join the 2019 Medical Aid Revolution with Fedhealth!
1. You select a CORE benefit to meet your family size. Obviously, a young single member has different needs to a retired couple, so there are 4 benefit options to consider. – See the Brochure.
These CORE benefit bundles come pre-packed with value-added benefits paid by Fedhealth, not from your day-to-day savings fund!
The basic cover you enjoy – includes in-hospital, chronic, screening and day-to-day, with additional benefits.
It includes a safety net, should you use your savings.
2. You can save 11% of your monthly contribution by selecting the Network Hospital Option (GRID)
- or you can save 25% by limiting yourself to a smaller hospital network
- or just by paying an R11 500 excess for planned procedures at a hospital of your choice.
In the event of an emergency or accident, you can still use a private hospital of your choice.
3. All plans offer Day-to-day benefits.
Based on your unique profile and the core benefit bundle you choose, a pre-approved amount is then placed in your individual savings fund or MediVault at the beginning of the year.
You then transfer amounts from this MediValult to your Wallet you when you need them.
The amount is not pro-rated - even if you only join in August you’ll have the same amount available as you would have in January - and it works the same as a traditional savings account, except that you only repay what you use, once you transfer to your Wallet and spend that money.
Your repayments are interest-free over a 12-month rolling period, from the date you first access them. So, if you don’t use it – you don’t pay for it!
Fedhealth Also, offers a Benefit Maximizer, to boost your savings.
On flexiFED 1, 2 and 3 you have unlimited network GP visits and defined dentistry benefits - even after your day-to-day savings have been used.
flexiFED4 has a standard threshold-level benefit and once your claims add up to this limit, they pay certain claims (with a small copayment) for the rest of that year.
THE maxiFED RANGE gives you peace of mind that most of your healthcare needs will be met.
Recommended for those of a more mature age.
High in-hospital, chronic, screening, day-to-day cover covered by the core benefit.From R 5,336 pm with R 9,024 for out of hospital costs.
High in-hospital, chronic, screening, day-to-day cover covered by the core benefit.From R 8,354 pm with R 14,243 for out of hospital costs.
If you do NOT use a Fedhealth-linked provider, you could have in-hospital shortfalls. There are Also, copayments for certain in-hospital procedures!
This means your private hospital bill can be significantly shortpaid.
Consider this excellent TOP UP and GAP COVER plan to prevent you from having to pay these costs!
P.S. If you work for a company, pass the Fedhealth Medical Scheme onto your HR I'm sure that Fedhealth can save your company substantial money.
And won't that look good for you!
You must consult the schemes/company product brochures and rules for comprehensive benefit descriptions.