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

Why they pay more than other schemes?


Fedhealth pays more than other medical aids because they offer and pay for:

  1. Unlimited network GP visits
  2. You can upgrade a plan at any time
  3. Child rates up to age 27
  4. 24 hour nurse line
  5. 30 days post hospital treatment
  6. Specialised radiology like MRI/ CT scans, in or out of hospital
  7. Trauma treatment at a casualty ward
  8. Cover for female contraception

How do Fedhealth lead the way in controlling medical aid savings accounts?

Most medical aids have 2 basic parts:

  1. In-hospital costs paid by the scheme and
  2. Day-to-day benefits paid from a savings account that you fund.

It is through this saving fund, that you can effect a significant cost saving!

Medical aids deduct up to 25% of your monthly contribution and place it in a medical savings account, which is used to pay for day-to-day benefits.
You are allocated a year's worth of funds at the beginning of a year.
Whether you use money from this fund or not, the amount is still added to your premium every month!

You cannot use your money outside of what the medical aid dictates and can only realise these funds if you terminate your cover!
The medical aid does not pay interest on your monies.

Is it fair, that you are forced into various plans and have to join complex options - where you pay for day–to–day benefits upfront - before you have even spent a cent on treatments?
Not with Fedhealth!

Fedhealth leads the way in giving you control over your medical aid savings account, because the flexiFED range of plans, allows you to only begin re-paying money used for day-to-day benefits (interest-free over the next 12-months), once you start using it!

You will then have a lower premium, until you start using your savings!

Now that makes sense!

Maybe it time to join the Medical Aid Revolution with Fedhealth?

3 Simple Steps to Create a Your Personal Medical Aid!

create your plan1. You select a Core benefit to meet your family size.

These Core benefit bundles all include: hospitalisation, chronic illness, extended benefits if savings used and prevention and screening benefits paid by Fedhealth, not from your day-to-day savings!

A young single member has different needs to a retired couple, so there are 4 different benefit options to consider. – See the Brochure.

The basic cover includes in-hospital, chronic, screening and day-to-day savings.

network2. Grid Option - You can save up to 11% of your monthly contribution by committing to only use Fedhealth’s network of more than 100 world-class private hospitals.

You can use any hospital in an emergency.

These network hospitals are only for planned hospitalisation.


create your plan3. Elect Option - if you agree to an R 11 500 excess for all hospital admissions (except for emergencies), you can get up to a 25% premium discount!




All plans offer large savings for day-to-day costs.

Based on your unique profile and the core benefit bundle you choose, a pre-approved amount is automatically placed in your individual savings fund (MediVault) at the beginning of the year. You then transfer amounts from this MediValult to your Wallet, as and when you need them.

Only when you start spending these funds do you start paying back the amount you used - over 12-months, interest free.

If you do not use the savings, you don’t pay for them! The funds remain on offer and you pay a lower premium!

Unlike most medical aid savings funds, the amount is not pro-rated - even if you only join in August you’ll have the same amount available as you would have had in January!

Should you use all your savings, Fedhealth offer a safety net benefit for essential medical services, like unlimited network GP visits and defined dentistry benefits!

What if you use all your savings?

As you spend from your savings, you submit those claims.
Fedhealth add them up and when they accumulate to a pre-defined threshold amount, certain benefits, like unlimited network GP visits and dentistry - paid by the scheme - then become available!

If you want only in-hospital benefits, then never use the savings!

You then have a hospital plan, but with the safety of having funds for high out of hospital costs - should you ever need them!

Now you really do have the full flexibility to control your own premiums by personalising your option and creating a package of benefits you need - at a price you can afford!

The flexiFED Range of plans.


flexifed1flexiFED1 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 1,341 pm with R 9,000 for out of hospital costs.



    flexifed2flexiFED2 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 1,703 pm with R 9,600 for out of hospital costs.



    flexifed3flexiFED3 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 1,907 pm with R 10,800 for out of hospital costs.



    flexifed4flexiFED 4 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 2,521 pm with R 14,400 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 5,992 pm with R 9,288 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 9,470 pm with R 14,852 for out of hospital costs.


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


    quote I want a quote


    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!

    FEDHEALTH 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.


    FEDHEALTH BROCHURE

    application
    JOIN NOW DOWNLOAD FEDHEALTH APPLICATION


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    Last update: January 14, 2020

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