Is Fedhealth Really a Good,
Affordable Medical Aid scheme?

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fedhealthFedhealth really is an exceptional medical aid!

Their approach to medical aid cover - giving you benefits (and a price) that meets your needs - is unique.
Plans are designed to meet various life stages and can be customised to meet your specific needs.
You truly can manage and control your healthcare expenses.

fedhealth medical aid pays moreWhat type of cover do you need?

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!


fedhealth medical aid pays moreUnlike 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!

Read here on how it works

The Benefits from Fedhealth

fedhealth medical aid pays more;

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.

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

Two ways to structure your day-to-day savings and influence your premium.

fedhealth flexible medical aid planYou choose to join a traditional type plan (FIXED) or the dynamic (FLEXIBLE) type plan, depending on how you want to control your savings fund.

fedhealth fixed medical aid planFIXED 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.


fedhealth flexible medical aid planFLEXIBLE 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.


Example:
Say your premium is R 1,500 pm for the base hospital plan and you have R 10,000 in savings available.
You then see a GP at R 700 and get R 500 medicines at a chemist.
A total of R 1,200 is spent from 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.

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

The amount of savings in the FLEXIBLE option is greater than that in the FIXED option.
An excellent benefit for those who run out of the “traditional” savings during the year, as you can switch to the Flexible plan (with its higher savings allocation) at anytime! No other medical aid offers this ability to "extend" the buying power of your savings!

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.

The 5 flexiFED plans

All plans offer:

  1. Full cover for hospitalisation.
  2. Savings for day-to-day costs.
  3. A safety net for certain day-to-day costs when savings are used.
  4. Chronic medication.
  5. Preventative screenings and lifestyle assessments (glucose, cholesterol, blood pressure, BMI and physical screenings.)

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.

fedhealth medical aidAll of these benefits really do make Fedhealth a game changer!

Why should you pay for something you haven’t used?

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!


What is the cost?


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.

Discounted premiums?

fedhealth medical aid

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!

And you will still be paying less than with other medical aids!

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!

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

Maybe it is time YOU join the Medical Aid Revolution with Fedhealth?

maxiFED Traditional comprehensive plans

Recommended for those of a more mature age by giving peace of mind that most of your healthcare needs will be met.

maximaEXEC - Comprehensive option that offers good all-round cover for more mature members. In-hospital, chronic medicine, screening and additional benefits, savings for day-to-day medical bills, with a safety net should your claims reach certain levels.

From only R 9,419 pm with R 11,556 for out of hospital costs.

maximaPLUS - Extensive medical cover that covers every aspect of your healthcare. In-hospital cover, chronic medicine, screening and additional benefits, savings for day-to-day medical bills, with a safety net should your claims reach certain levels.

From only R 14,883 pm with R 16,922 for out of hospital costs.

What is the cost?

top-upPrivate healthcare providers can charge up to 500% of medical scheme rates.
Medical aids add procedure co-payments as well.
These are significant concerns for medical aid members.

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.

dentalSpecialised 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, so are funded 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 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!

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.

Join Fedhealth Medical Aid

Talk to me .... I am here to help you - at no charge!
Send me your questions and concerns. I'll answer them for you.

I agree to receiving medical aid and insurance product marketing by electronic means.


whatsapp083 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!

income protectionMedical aid pays healthcare costs.
What if a disability stops your income?


YOUR TRUSTED, QUALIFIED ADVISOR:
peter pyburnPeter 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