Medical Aid Fedhealth
Best Benefits with a Unique Savings Fund
Why Fedhealth is an Excellent Medical Aid
Fedhealth Medical Aid is an Excellent Choice for Medical Aid in 2026
Fedhealth, with a proud 89-year history, has entered a strategic partnership with Sanlam, emphasising affordability, customisation, inclusivity, simplicity, and trust.This strengthens Fedhealth's financial position and introduces integrated health-wealth benefits like Sanlam Gap Cover, Primary Care, Wealth Bonus, and Health Boost.
All Fedhealth Medical Aid plans offer unlimited private hospitalisation and a unique day-to-day savings fund that allows you to control your monthly premium.
Savings are repaid only when they are spent, unlike any other medical aid who add a repayment portion of savings to every premium, whether you spend them or not.
There are unlimited network GP visits and basic dentistry benefits should you spend your savings.
Fedhealth pays more from risk than many competitors, like unlimited network GP visits and basic dentistry once savings are spent and threshold is reached, trauma casualty treatments, post hospital benefits, and plan upgrades within 30 days of life-changing events (like pregnancy or serious illness) without underwriting.
These ensure your savings last longer.
Fedhealth is financially strong having merged with Sanlam and are a leading scheme in South Africa.
Their approach to medical aid cover, giving you plans that can be customised to meet various life stages and your specific needs, is unique.
You truly can manage and control your healthcare expenses.
What type of cover do you need?
Comprehensive, in and out-of-hospital benefits OR a hospital plan plan with a way cheaper premium, where you self-pay out-of-hospital costs.
Either way, Fedhealth has a plan for you.
You can design your plan as:
- A Supercharged Hospital plan with comprehensive in-hospital benefits and lower premiums.
You can add a savings fund for day-to-day costs, where you only repay the savings, when you actually spend them.
Fedhealth will add 1/12th of your spend (as it is repayable over a year, interest-free) to your next, and subsequent premiums until it is repaid. - A Comprehensive Medical Aid Plan: covering a wide range of medical expenses both in and out-of-hospital.
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, with Fedhealth, you only pay for what you spend, 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!
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 Hospital and option is greater than that in the Comprehensive option.An excellent benefit for those who run out of the "traditional" savings during the year, as you can switch to the Hospital and plan (with its higher savings allocation) at anytime! No other medical aid offers this ability to "extend" the buying power of your savings!
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 Benefits from Fedhealth
Fedhealth offers 5 plans for you to choose from, each sharing several essential benefits:
- Unlimited Private Hospital Cover: Use any hospital and have unlimited access to private hospital care.
- Upgrade Flexibility: Within 30 days of a life-changing event such as pregnancy or the diagnosis of a serious illness, you can upgrade to a higher plan. This means you don't have to commit to an expensive plan based on future uncertainties.
- Hospital Plan with Savings Fund: includes a savings fund for day-to-day medical expenses, that you only repay once you spend money. This unique feature sets Fedhealth apart from other schemes.
- Traditional Savings Option: You can also choose a traditional savings plan where you receive your full savings upfront at the beginning of the year, and your premium remains consistent throughout the year.
- Safety Net Benefits: once savings are spent, and your claims have added up to a pre-determined amount, you have a safety net paying unlimited network GP visits and basic dentistry.
- Several procedures performed in day clinics, doctor's rooms, day wards, or outpatient sections of hospitals are paid.
- 30-Day Follow-Up Treatment: including physiotherapy, occupational therapy, speech therapy, ultrasounds, general radiology, and pathology after being discharged from the hospital.
- Specialised Radiology: like MRI/CT scans performed in or out of the hospital, paid by the scheme.
- Trauma Unit Treatment: for issues like stitches and broken bones is paid, whether you're admitted to the hospital or not.
- Hospital at Home: service lets you receive active treatment at home for a specified period, maintaining the quality of care without being in a general hospital ward.
- Unlimited Maternity Benefits.
- Childhood Illness and Specialised Drug Benefit: Children up to 18 are covered for childhood illnesses and specialised drugs.
- Mental Health Benefits.
- Discounted Premiums: using listed hospitals or agreeing to an admission co-payment (except for emergencies) secures discounted premiums - from 10% to 25%
- Child Rates: apply up to age 27.
- Female Contraception.
- Screening Benefit: for tests and healthcare assessments aimed at illness prevention or managing existing conditions.
- New D2D+ Benefit: Up to R4,500 extra annual family day-to-day cover (unlocked via Health Risk Assessment on the Fedhealth app; covers GP/specialist consults, basic dentistry, medication, pathology, radiology.
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.
The 5 flexiFED plans
All plans offer:
- Full cover for hospitalisation.
- Savings for day-to-day costs.
- A safety net for certain day-to-day costs when savings are used.
- Chronic medication.
- Preventative screenings and lifestyle assessments (glucose, cholesterol, blood pressure, BMI and physical screenings.)
flexiFED1 is the perfect customisable and affordable hospital plan with optional day-to-day savings. This option offers excellent cover for young, single people at the start of their careers with good screening benefits, and a preventative dentistry benefit once in ThresholdUnlimited private network hospitalisation using a very extensive hospital network so you're always covered.
Unlimited in-hospital cover for network GPs and specialists
Unlimited network GP visits once threshold is reached.
27 chronic diseases as listed on the Chronic Disease List.
From R 2,630 pm with
R 7,488 in Hospital and optional savings.
or
From R 3,602 pm with
R 5,508 in Comprehensive medical aid
flexiFED2 perfect hospital plan for young families, with generous maternity and
childhood cover
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.
27 chronic diseases as listed on the Chronic Disease List
From R 4,147 pm with
R 12,012 in Hospital and optional savings.
or
From R 4,845 with R 8,724 in Comprehensive medical aid
flexiFED3 ideal plan for young, growing families, with great benefits for pregnancy, birth and early childhood years.
No overall annual limit for hospitalisation, so you can rest easy knowing you're always covered. Unlimited maternity cover with network GPs and specialists. Network GPs and specialists are covered unlimited at cost. 30 chronic diseases as listed on the Chronic Disease List.
From R 4,946 pm with
R 14,400 in Hospital and optional savings.
or
From R 5,785 with
R 10,416 in Comprehensive medical aid
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. 45 chronic diseases as listed on the Chronic Disease List.
From R 6,620 pm with
R 21,960 in Hospital and optional savings.
or
From R 7,941 with
R 16,200 in Comprehensive medical aid
flexiFED Savvy is for digitally savvy, under 35 year olds! Unlimited private hospitalisation at a network hospital up to PMB level of care. Unlimited in-hospital cover for network GPs and specialists. Unlimited virtual GP consults and 3 in-person consults. 27 chronic diseases as listed on the Chronic Disease List. Savings fund to help cover unexpected day-to-day medical bills.
From R 1,155 pm with
R 6,528 in Hospital and optional savings.
or
From R 1,604 with R 5,388 in Comprehensive medical aid
Please contact me with any concerns.
All 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!
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 offer discounted premiums as well!
Use listed hospitals (except in an emergency), and get a 10% discounted premium!
OR
Accept a R 15,950 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 591 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 12,273 pm with R 12,528 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 18,749 pm with R 19,393 for out-of-hospital costs.
Private healthcare providers can charge up to 500% of medical scheme rates.Medical aids add procedure co-payments as well.
These are significant costs you must consider.
Protect yourself by joining Zest's 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 enough to cover medical treatments, without having to pay for unexpected costs.Joining a hospital plan with Gap Cover remains the most affordable way for families to protect against rising costs in 2026.
Specialised 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, and are paid 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 Plan in 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.
Talk to me .... I am here to help you - at no charge!
Send me your questions and concerns. I'll answer them for you.
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083 655 2164
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Peter Pyburn - Authorised Financial Services Provider has been fully licensed to provide expert financial services since 1991.Based in Sandton, Johannesburg, Gauteng, we specialise in comprehensive financial planning including: Death and Disability Cover, Retirement Planning, Investment Strategies, Medical Aid, Estate Planning
FSP Licence 2995 and Medical Aid Accreditation BR 7428.
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