6 Reasons why Fedhealth has the best day-to-day savings.
Most South African medical aids pay out-of-hospital costs (day to day) from a savings fund which is part of your plan.
Medical Aid plans have 3 main benefit categories:
1. In hospital2. Day to day
3. Chronic
Looking at day to day savings…
Out of hospital expenses are paid from a medical aid savings fund as part of a comprehensive plan.A portion of the medical aid premium is a repayment of that savings fund, advanced to you.
You pay amount this every month, whether you spend savings or not.
It is like a compulsory loan, as you have no choice in repaying it.
However, Fedhealth do not do this!
Why pay a savings loan, when you do not use it?
Fedhealth only requires a repayment of savings when you spend it.
They are the ONLY scheme to do this, and it allows you to control your premium.
If you do not spend savings, your premium remains at a lower hospital plan amount.
Fedhealth offer you 3 plan options to consider:
1. A Hospital plan.
An in-hospital only benefit plan that has a lower premium that a comprehensive plan.
It covers your greatest threat of high medical coats - private hospital.
Fedhealth hospital plans offer you the finest, no overall limit, private hospital cover.
And more:
- Post-hospitalisation treatment for up to 30 days after discharge from hospital (such as physiotherapy, x-rays, pathology) – i.e. follow-up treatment for a full 30- day period is paid by Fedhealth, preserving your day-to-day savings!
- 7 days of paid for take-home medication after discharge from hospital.
- Specialised radiology like MRI/ CT scans, paid by Fedhealth, whether done in- or out-of-hospital.
- Trauma treatment at a casualty ward – whether admitted to hospital or not, emergency treatment, like stitches, is always paid by Fedhealth and never from your savings.
- You can upgrade to a higher option at any time of the year, within 30 days of diagnosis of a dread disease or other life-changing event.
- On flexiFED 4, your GP visits will always be paid by Fedhealth, never from your savings.
- Receive active treatment for a specified period at home instead of a general hospital ward, without compromising on the quality of your care.
- Unlimited cover for female contraceptives.
- Certain plans offer even more built in day-to-day benefits for things like optometry, maternity, childhood benefits and mental health… all at no additional cost to you.
Rich in-hospital cover PLUS built in day-to-day benefits…Fedhealth is so much more than your average hospital plan!
2. A traditional Hospital and savings plan
Like any other medical aid where you have savings allocated at the beginning of a year and you spend those on out-of-hospital costs.
Your premium remains the sane all year.
All this for one premium amount.
Other schemes have savings plans however, they don’t come close to the value for money offered by Fedhealth’s Savings Plans!
3. A Hospital with Hospital and savings plan
This is the Fedhealth game-changer - an excellent hospital plan, but with the option of a savings fund to spend on unexpected day-to-day costs.And you only repay what you spend, when you spend it, unlike other schemes who add a savings fund repayment to every premium!
You choose what you want to spend from your savings and control your monthly premium!
The ideal day-to-day safety net.
The funds are there for you in case you need them, but you only pay for money that you spend. No other medical aid does this!
How the savings work ...
4. Two Discount premium options:
10% if you use listed hospitals,
25% if you accept a R 15,470 admission co-payment (except in an emergency)
All Fedhealth plans have a safety net.
When your savings are spent, and your claims add up to a pre-determined amount, they will continue to pay for unlimited listed GP consults and essential dental benefits.
Only Fedhealth gives you the ability to structure your medical aid, have excellent benefits and control how much you pay.
Do you have any questions I can answer?
Go here for more Fedhealth information.
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.Protect yourself from soaring medical expenses by bridging the gap between medical scheme rates and the charges imposed by private providers.
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!
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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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Last verified: September 3, 2025