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Comprehensive, in and out of hospital benefits OR where you self-pay out of hospital costs and join only a hospital plan (with a way cheaper premium), either way, Fedhealth has a plan for you.
You can design your plan as:
A Supercharged Hospital plan: providing excellent hospital benefits, while you pay day-to-day costs yourself. This results in a lower premium compared to comprehensive plans.
OR
A Traditional Comprehensive Medical Aid Plan: covering a wide range of medical expenses both in and out of hospital.
OR
A Pay-as-You-Go Savings: a unique option where you only repay the savings, when you actually spend them.
This is what makes Fedhealth a game-changer!
Unlike other medical aids that require re-payment of savings every month, even if you don't use them - Fedhealth lets you only pay for what you use- when you spend it.
This results in a lower premiums, as you do not have to repay a "forced" loan.
Most medical aids force you to pay for your savings monthly-irrespective of not spending them! And that means a higher premium - always.
Not so with Fedhealth, as you have total control over how you structure and use your plan.
You are not restricted to a one-size-fits-all medical aid - because you can personalise your plan to suit your needs!
The cost of private hospitalisation is huge.
That makes having some sort of medical aid or hospital plan so important.
Fedhealth offers 4 plans for you to choose from, each sharing several essential benefits:
Fedhealth also offers Managed care programmes for various conditions like HIV, Cancer, Conservative Back and Neck Rehabilitation, Mental Health, Emotional Well-being, and Weight Management.
FIXED Savings plans - are traditional type medical aid plans. where your full annual saving allocation is ready for use from the start and you have no added admin responsibility.
Your premium does not change with the use of savings.
FLEXIBLE Savings plans (Pay-as-you-go) – where all the plans are hospital plans, but with the option of day-to-day savings should you require them.
AND you only payback the savings when you spend them.
So, you pay a hospital plan premium, until you use your savings.
Fedhealth will then ask you to repay that money over the next 12-months (interest-free)
They divide your spending of R 1,200 by 12-months = 100 pm which is added to your next premium.
You then pay your premium of R 1,500, plus R 100 as a savings repayment = R 1,600 pm until the savings are repaid.
Then the premium drops back to R 1,500 pm if you have no other claims.
How the savings work ...
For More Information see:
3 Simple Steps to Create a Your Personal Fedhealth Medical Aid
Why day-to-day savings with Fedhealth are so superior.
All plans offer:
flexiFED1 is for young people who are single, in a relationship or just married.
Single, healthy and just starting out your adult life? Here is an affordable hospital plan that gives you solid medical aid cover at a great price. Get access to a savings fund to help cover unexpected day-to-day medical bills and a valuable safety net once your claims have reached a certain level.
This is the perfect entry-level hospital plan if you’re young and healthy
From R 2,201 pm with R 6,540 in FLEXIBLE savings.
or
From R 2,513 pm with R 3,744 in FIXED savings.
flexiFED2 for young, start-up families.
The ideal family hospital plan option if you’re just starting a family. Generous maternity and childhood benefits, with access to a savings fund to help cover unexpected day-to-day medical bills and a valuable safety net once your claims have reached a certain level.
Exceptional value for your money!
From R 3,328 pm with R 9,828 in FLEXIBLE savings.
or
From R 3,743 with R 4,980 in FIXED savings.
flexiFED3 deal plan for young, growing families, with great benefits for pregnancy, birth and early childhood years.
The ideal plan for young, growing families, with cover for pregnancy, birth and those early childhood years. Unlimited maternity cover with network GPs and specialists and unlimited cover for network GPs and specialists. Access to a savings fund to help cover unexpected day-to-day medical bills and a valuable safety net once your claims have reached a certain level.
Good, all-round cover.
From R 3,796 pm with R 11,220 in FLEXIBLE savings.
or
From R 4,420 with R 7,488 in FIXED savings.
flexiFED4 is for mature families.
Provides solid cover for mature families with older dependents. Comprehensive in-hospital benefits, with access to a savings fund to help cover unexpected day-to-day medical bills and a valuable safety net once your claims have reached a certain level.
Peace of mind from a medical aid plan you can trust.
From R 5,081 pm with R 15,012 in FLEXIBLE savings.
or
From R 6,120 with R 12,468 in FIXED savings.
flexiFED Savvy is for digitally savvy, under 35 year olds!Young, healthy, part of the digitally savvy generation, and just started your first job. Hip and knee replacements are definitely not a concern!
Join one of the most personalised, customised and affordable hospital plans with a day-to-day back-up plan.
From R 965 pm with R 6,000 in FLEXIBLE savings.
or
From R 1,365 with R 4,800 in FIXED savings.
Please contact me with any concerns.
Do not use any of your day-to-day savings, and you have a hospital only benefit plan (with a lower premium than a comprehensive plan) and a safety net that gives you access to instant funds to pay for unforeseen, day-to-day costs!
If however, you want the familiarity and simplicity of a typical medical aid, you can have the identical plan, but with a traditional day-to-day savings fund!
Still undecided?
A single member in 2024, with the leading medical aid can get a comprehensive plan for R 4,531 pm with R 8,133 savings for out of hospital costs.
The flexiFED3 plan requires R 3,796pm (R 735 pm less) and has R 11,220 (3,087 more) in savings.
That’s R 8,820 per year cheaper!
With very similar in hospital benefits and access to more in savings!
(Yes, if you spend savings, your subsequent premiums will increase, as you start to pay back 1/12 of the savings you have used. Once savings are repaid, the premium reverts to that of a hospital plan.
But, with good health management and reducing your savings spend, you could save - up to R 735 pm!
And remember, if you suffer a life-changing event (from pregnancy to an illness) you can upgrade within 30-days of a diagnosis/occurrence at any time of the year!
You no longer have to join an expensive plan "in case" something unforeseen happens.
Fedhealth offer discounted premiums as well!
Use listed hospitals (except in an emergency), and get a 10% discounted premium!
OR
Accept a R 14,700 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, your Fedhealth plan could be a mighty R 20,244 per year less!
TIP: Use these savings and join a Top-Up plan, from R 350 pm and any possible hospital excess, or provider shortfall and co-payments are paid for!
Fedhealth Medical Aid is the ONLY scheme where, if you do not need to use your day-to-day savings, your premium is reduced!
(Please note, benefits depend on the plan you join.)
Maybe it is time YOU join the Medical Aid Revolution with Fedhealth?
From only R 9,419 pm with R 11,556 for out of hospital costs.
From only R 14,883 pm with R 16,922 for out of hospital costs.
Protect yourself against these potential threats, by joining a GAP or top-up insurance plan.
This separate insurance will cover most in-hospital claim shortfalls and any co-payments. It is a vital safety net, ensuring you have adequate benefits for medical treatments without bearing the full burden of unexpected costs.
Protect yourself from soaring medical expenses by bridging the gap between medical scheme rates and the charges imposed by private providers.
Dental treatment is something we all need and it is vital you consider the Best Dental Insurance Plan OR Most Affordable Dental Planin 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!
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.
083 655 2164
You must consult the schemes/company product brochures and rules for comprehensive benefit descriptions.
We will offer you the best help at no cost!
Medical aid pays healthcare costs.
What if a disability stops your income?
YOUR TRUSTED, QUALIFIED ADVISOR:
Peter Pyburn - Authorised Financial Services Provider, fully licensed to render financial services since 1991. Death and Disability Planning; Retirement Planning; Investment Planning; Healthcare and Estate Planning.
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Last October 31, 2024