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fedhealth

Affordable Fedhealth Medical Aid.

Fedhealth Medical Aid is truly an exceptional medical aid because, they really do offer the best, affordable, unique, value-added benefits of any medical scheme in South Africa!
Their healthcare plans will meet all your needs!

This is the only medical aid that allows you to control your premium, while giving you the best benefits available!

The finest, unlimited, any hospital cover, with the option of a day-to-day savings account that you repay - ONLY WHEN YOU SPEND FUNDS!
medical aid and covid19What Fedhealth Is doing for their members with COVID-19 vaccines.

Because the primary role is the funding of medical services and medication for members, Fedhealth will ensure that all members and dependents will be covered by the vaccine once available. It is presumed costs of this will be paid by the scheme and subject to the government roll-out plan.


WHY FEDHEALTH IS BETTER THAN OTHER MEDICAL AIDS.

fedhealth flexible medical aid plan

Most Medical aids offer in-hospital benefits, paid by the scheme and out of hospital costs (paid by you through a savings account in the plan. You are advanced a year’s worth of savings when you start with them and they immediately take a monthly re-payment of that amount, whether you use the savings or not!
It is really a compulsory loan you cannot refuse to pay!

Fedhealth DON’T DO THIS!

By joining Fedhealth, you are not restricted to a one-size-fits-all medical aid. - because you can personalise your plan to suit your needs!

All plans offer:

  1. Unlimited hospitalisation.
  2. A safety net for certain day-to-day costs when savings are used.
  3. Preventative screenings and lifestyle assessments (glucose, cholesterol, blood pressure, BMI and physical screenings.)
You choose between 2 types of plan, with the difference being the way the savings fund works.

The Flexible plan allows you to control your savings spend and therefore, your premium.
The Fixed plan is just like any medical aid, with a day-to-day savings.

fedhealth flexible medical aid plan1. How The Flexible plan works.

You don't pay for your day-to-day savings until you spend them! This lowers your premium and keeps your costs down!

Depending on the size of your family and the flexiFED plan you choose, an amount of savings is allocated to you. When you need to pay for costs, like GP visits, you spend from your savings.

Here is the key - you only start repaying that money spent, once you spend it!

You repay it over the next 12-months, interest free. A monthly portion is added to your next premium until it is repaid. Once paid, your premium reduces again.
If you don’t use it, you don’t pay for it!

If you delay using your day-to-day savings or, never use it at all, (but have the confidence money is available if you do need it), your premium will always be at the lowest rate!

This is the same as having the best hospital only benefit plan, (which is already a cheaper option), but with a safety net of easily accessible money for out of hospital costs.

It is surely the best way to control your medical aid cost because:

  • You do not pay for day-to-day benefits until you use them. This can save you thousands of rand monthly!
  • Repayments are interest-free!
  • You pay less, yet get the same quality of benefits as the traditional plan!
  • You are in full control over your medical aid premium!
  • You have 1 debit order a month, made up of both benefits!
  • You do not lose money you have not spent as it transfers to your next year of cover!

Single member Premiums start from
R 1 693 pm. with R 3,828 in savings.

fedhealth fixed medical aid plan2. How the The Fixed plan works.

This plan works just like any medical aid, Fedhealth taking care of the day-to-day administration.

This plan:

  • Is simple and secure and you know upfront how much of the savings fund you have for the year!
  • Starts repaying savings from the start, so your monthly premium never changes!
  • Has no added admin. They manage your funds automatically!
  • Transfers any left over savings to your next year of cover!

Single member Premiums start from
R 1 393 pm. with R 9,528 in savings.


fedhealth medical aid savings

Do I get a safety net should all my savings be spent?

Yes, once you spend a pre-defined amount of your savings, claims for further certain treatments are paid by the scheme and not from your savings!

Fedhealth will pay for:

Consider this ... A single member in 2021, with the leading medical aid can get a comprehensive plan for R 3,290 pm.
It has a R 9,864 savings account for out of hospital costs.

BUT, Fedhealth has a comprehensive benefit plan for R 2,500 pm that includes savings of R 10,224 for out of hospital costs!
That’s over R 9,000 per year cheaper! With very similar benefits!

If you spend savings, your following premiums will increase, as you then start to pay back the savings you have used.
But with your good management in reducing your savings spend, just look at what you could save - up to R 9,000!

However, if you prefer a traditional medical aid, you can join an identical plan that 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 and you have no added admin responsibility.

Can I get discounted premiums?

Yes, Fedhealth offer discounted premiums as well!

If you are prepared to use listed hospitals (except in an emergency when you can use any facility), you can get an 11% discounted premium!

If you are prepared to have a R 12,500 co-payment on admission to any hospital (except in an emergency) you can get an 25% discounted premium!

Now when you compare certain other medical aid premiums, Fedhealth is a mighty R 17,000 per year less!

Why not use some of these savings to join a Top Up plan and the hospital excess and co-payments are paid for!

You can then use any hospital, safe in the knowledge that the Top Up will pay that co-payment and you will still be paying less than with other medical aids!

fedhealth pay savingsWith careful management and Fedhealth, you have a huge opportunity to reduce your medical aid costs over a year!

No doubt about it, this is a truly exceptional value-for-money medical aid!

Fedhealth Medical Aid is the ONLY scheme where, if you do not need to use your day-to-day savings, your premium is reduced!


FEDHEALTH PAYS MORE THAN OTHER MEDICAL AIDS!

Compare their HOSPITAL BENEFITS.

  1. No overall annual limit private hospital cover, for emergencies and planned procedures.
  2. Unlimited network GP and Specialist covered at cost in-hospital.
  3. Treatment for selected procedures in a day ward, day clinic or doctors’ rooms.
  4. Unlimited Specialised radiology.
  5. Unlimited accident and emergency treatment at any hospital.
  6. Emergency treatment at a trauma unit of a clinic or hospital, like stitches and broken bones – whether you’re admitted to the hospital or not.
  7. Costs paid for treatment at a clinic or hospital with a life- threatening condition where you are admitted immediately for further treatment.
  8. If medicines are not readily available Fedhealth will arrange for medicine or blood products to be delivered to the facility where you are being treated.
  9. Unlimited maternity covered at cost with network GPs and specialists.
  10. Specialised radiology, like MRI/ CT scans done in or out of hospital, is paid by the scheme and not you!

Now compare at their out of hospital (day-to-day) benefits ...

  1. Fedhealth offer the highest allocation of saving funds of medical aids.
  2. Unlimited network GP visits once your savings are used. With over 4,600 network GP’s there is sure to be one near you.
  3. Cover for 30 days follow-up treatment (physiotherapy, occupational therapy, speech therapy, ultrasounds, general radiology and pathology) after discharge from hospital.
  4. Upgrade to a higher option within 30 days of a life-changing event, like a pregnancy or the diagnosis of a dread disease.
  5. Only pay for up to three children, the rest are covered for free!
  6. Child rates up to age 27.
  7. Additional chronic benefit for children up to the age of 18 for kids with asthma and eczema.
  8. 24-hour toll-free Nurse Line.
  9. Four consultations with a midwife in- and out-of-hospital.
  10. Doula up to R3 000 per delivery.
  11. Paediatric consultations without referral up to 12 months old.
  12. One test with an audiologist per infant.
  13. Access to Paed-IQ advice line for paediatric questions.
  14. Childhood immunisations.
  15. Fedhealth Baby Programme.
  16. Female contraception.
  17. Taxi service transports you to follow-up medical treatments after a hospital stay (only certain regions).
  18. Emotional Wellbeing Programme support line.
  19. Childhood illness specialised drug benefit for children up to 18.
  20. In-hospital dentistry for children under 7.
  21. Screening benefit – pays for many screening tests, preventative benefits and wellness assessments, ensuring your health is on the right track.

(Please note, benefits depend on the plan you join.)


Other Benefits

  1. 24-hour medical advice and evacuation from Europ Assistance.
  2. Qualified nurses will give telephonic advice in any emergency situation - get information that may save a life while the medical team is on its way to the scene of the incident.
  3. Emergency road or air response: vehicles and aircraft are manned by professional healthcare personnel and are equipped with the most appropriate equipment needed for medical emergency treatment.
  4. Initially you’ll be transferred to the nearest, most appropriate medical facility for treatment. When you are well enough to transfer to a medical care facility closer to home, this will be arranged.
  5. Delivery of medication/blood in an emergency.
  6. Patient monitoring.
  7. Care for stranded minors or frail companions.

Managed Care Programmes

  1. Aid for AIDS (AfA) unlimited cover for HIV/Aids treatment and preventative medicine.
  2. Oncology Disease Management an oncology benefit supported by highly skilled healthcare professionals who work in conjunction with your doctor to ensure that the treatment you receive is both clinically appropriate and cost-effective consultations and visits. Terminal care and private nursing,
  3. Conservative Back and Neck Rehabilitation. intervention for qualifying members suffering from back and neck problems. Principle of active muscle reconditioning, supported by scientific clinical studies showing that exercise reduces pain and can normalise function in many instances.
  4. Mental Health.
  5. Emotional Wellbeing.
  6. Weight Management.
Maybe it is time YOU join the Medical Aid Revolution with Fedhealth?

3 Simple Steps to Create a Your Personal Fedhealth Medical Aid!

quote I want a quote.

THE FLEXIFED RANGE OF PLANS.

flexiFED1 is for young people who are single, in a relationship or just married.

  • Unlimited hospital cover in network hospitals.
  • Unlimited network GP and Specialist at cost in-hospital.
  • Treatment for selected procedures in a day ward, day clinic or doctors’ rooms.
  • Unlimited cover for listed Chronic conditions at any provider, subject to basic medicine list.
  • Women’s, children’s, cardiac and general health risk assessments and screenings.
  • Safety net with unlimited network GP visits and preventative dentistry.
  • Proactive screening benefits.
  • Upgrade plan any time of the year, 24-hour Nurse Line, emotional well-being programme etc.
  • Recommended for its affordable hospital cover.

From R 1,393 pm with R 9,520 for out of hospital costs.

flexiFED2 is for young families who are just starting up.

  • Unlimited hospitalisation at ANY private hospital.
  • Treatment for selected procedures in a day ward, day clinic or doctors’ rooms.
  • 8 pre- and postnatal consultations with a midwife, network GP or gynaecologist.
  • 2 x 2D scans; amniocentesis, Elective C-section.
  • Good basic dentistry benefits.
  • Unlimited nominated network GP consults.
  • Proactive screening benefits.
  • Recommended for its maternity benefits.

From R 1,871 pm with R 10,140 for out of hospital costs.

flexiFED3 is for young still growing families.

  • Unlimited hospitalisation at ANY private hospital.
  • Treatment for selected procedures in a day ward, day clinic or doctors’ rooms.
  • Added chronic medicines for Eczema, acne, allergic rhinitis for children
  • 2 x 2D scans; antenatal classes, amniocentesis 12 pre- and postnatal consultations with a midwife, network GP or gynaecologist.
  • Unlimited nominated network GP consults.
  • Recommended for its maternity and basic dentistry benefits.
  • Proactive screening benefits.

From R 12,117 pm with R 11,352 for out of hospital costs.

flexiFED4 is for mature families.

  • Unlimited hospitalisation at ANY private hospital.
  • Specialised radiology, trauma treatment in a casualty ward.
  • Treatment for selected procedures in a day ward, day clinic or doctors’ rooms.
  • Unlimited nominated network GP consults.
  • PMB chronic plus 14 additional conditions like eczema for children up to the age of 18, and medicine for acne up to the age of 21 at a provider of choice.
  • Recommended for its threshold benefit.
  • Proactive screening benefits.

From R 3,806 pm with R 12,252 for out of hospital costs.

THE MAXIFED RANGE OF PLANS IS RECOMMENDED FOR THOSE OF A MORE MATURE AGE AND GIVES PEACE OF MIND THAT MOST OF YOUR HEALTHCARE NEEDS WILL BE MET.

maxiEXEC Comprehensive option.

High in-hospital, chronic, screening, day-to-day cover covered by the core benefit.

  • Unlimited GP visits at Network GPs once savings are depleted.
  • Unlimited specialised radiology, with a co-payment.
  • Trauma treatment at a casualty ward, with a co-payment.
  • Treatment for selected procedures in a day ward, day clinic or doctors’ rooms.
  • A Medical Savings Account for day-to-day expenses and a Threshold benefit (with co-payment) should you run out of funds.
  • 51 chronic conditions from a pharmacy of your choice.
  • Professional and extreme sports cover for injuries sustained during sporting activities.
  • Proactive screening benefits.

From R 6,816 pm with R 10,560 for out of hospital costs.

maxiPLUS Comprehensive option with even higher day-to-day savings.

High in-hospital, chronic, screening, day-to-day cover covered by the core benefit.

  • Unlimited GP visits at Network GPs paid from risk never from savings!
  • Unlimited specialised radiology paid.
  • No procedure co-payments.
  • Unlimited specialised radiology.
  • Treatment for selected procedures in a day ward, day clinic or doctors’ rooms.
  • 65 chronic conditions from a pharmacy of your choice.
  • A Medical Savings Account for day-to-day expenses and a Threshold benefit should you run out of funds.
  • Proactive screening benefits.

From R 10,772 pm with R 15,942 for out of hospital costs.

Fedhealth pay more from Risk than other schemes, meaning your day-to-day medical savings last longer.

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Highly recommended Gap and Top up plan

If you do NOT use a Fedhealth-linked provider, you could have in-hospital shortfalls.

There are also, co-payments for certain in-hospital procedures!
This means your private hospital bill can be significantly short paid.

Consider this excellent Top Up and Gap cover plan to prevent you from having to pay these costs!


Sanlam Reality

A lifestyle, wellness, rewards and financial education programme available to all Fedhealth medical aid members.
Free membership of the Sanlam Reality Access option, with benefits like free international travel insurance and accident cover for your pets.

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Last update: April 7, 2021

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