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Peter Pyburn - Authorised Financial Services Provider fully licensed to provide expert financial services since 1991.
The Most Affordable Hospital Plan in South Africa
flexiFED SAVVY
Are You Missing Out on This Affordable Medical Aid?
Consider the FlexiFED Savvy Plan, the most affordable hospital plan designed for the digitally savvy generation.
Living in South Africa you need a good medical aid, as state healthcare is so poor.
However, finding an affordable option can be difficult, with so many plans on offer.
It is perfect for the Gen Z generation, aged 35 and younger. As a young and healthy individual, you might think you're invincible.
It is unlikely that you'll need hip or knee replacements anytime soon, but that does not make you invincible!
Sudden illness or injury can happen to anyone at any time, and that's why having medical aid or at least a hospital only plan is an absolute necessity.
And with FlexiFED Savvy, you're covered without breaking the bank.
This is a first-world medical aid plan available for less than R1,700 per month.
Here's what you get:
In-Hospital Benefits:
- Unlimited private hospitalisation using an extensive hospital network.
- Unlimited network GPs and specialist benefits.
- Unlimited trauma treatment in a casualty ward.
- Unlimited network maternity cover.
- 7 days of take-home medicine after a hospital stay.
- 30-day post-hospitalisation treatment for services like physio, x-rays, and pathology.
- Unlimited physiotherapy.
- Upgrade to a higher plan within 30 days of a life-changing event such as pregnancy or the diagnosis of a serious illness.
Day-to-Day Benefits:
- 3 face-to-face GP consultations during the year (2 listed GP and 1 any GP).
- Unlimited virtual (video call) GP consultations, perfect for the technological world we live in.
- The option to add a savings fund for unexpected out-of-hospital costs.
- Unlimited cover for listed chronic illnesses at Clicks, Dis-Chem, Medirite, and Pharmacy Direct.
Choose Your Plan:
Choose one of 2 ways to fund your day-to-day benefits:
1. Hospital Plan
Unlimited private hospitalisation, including virtual GP visits and 3 face-to-face GP visits, gives you the best in-hospital benefits and GP backup at an accessible premium.
You pay all other out-of-hospital expenses for complete peace of mind.
Premiums range from R 1,155 pm.
2. Hospital and Savings Plan
The Fedhealth game changer: Unlimited private hospital plan with a savings fund for day-to-day costs.
You choose how much of your savings you want, and only pay for the portion you spend — interest-free over 12 months.
You don't pay for day-to-day benefits until you spend them, unlike other medical aids that add loan repayments to every monthly premium regardless of usage.
You pay less in premiums without compromising on the quality of your benefits. You are in full control of how much you pay.
Premiums range from R 1,604 pm with R 5,388 day-to-day savings.
Unique Benefits with FlexiFED Savvy
Gives you unique benefits that you won't find with other medical aid plans.
Here are some of them:
- Female oral and certain injectable contraceptives (prescribed by a GP or gynaecologist, not for acne).
- A screening benefit that includes cervical cancer screening (Pap smear), flu immunisation, HIV test, smoking cessation program, and health risk assessments.
- Mental health, offering virtual mental wellness support to members, including 2 stress and anxiety consultations via Panda.
- Annual free flu vaccination and 1 HIV finger-prick test.
- Unlike other medical aid schemes, Fedhealth allows you to upgrade your plan during the year, not just in December. If something life-changing like pregnancy or a dread disease strikes, you can upgrade as needed.
- Access to a 24-hour toll-free Nurse Line providing expert medical and health advice from qualified nurses around the clock.
- Cover for the GoSmokeFree Smoking Cessation Programme designed to support quitting smoking.
Unmatched Flexibility:
You can structure your flexiFED Hospital/Risk cover to fit your budget and needs perfectly.
Say goodbye to stress over medical expenses and hello to savings and peace of mind.
From just R1,155 per month.
flexiFED Savvy brings you, and employers looking to offer entry-level employees affordable healthcare, one of the most cost-effective hospital plans on the market.
Now, consider this excellent idea… add an in-hospital GAP cover plan from R 475 pm.
This is an unbeatable medical aid plan to seriously consider joining!
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.
A Gap or Top-Up plan is a separate insurance that covers 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 is the most affordable way for families to protect against rising costs in 2026.
Protect yourself by joining Zest's GAP/Top-up insurance plan.
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!
Get hold of me today!
Get Your Free Quote
Talk to me — I am here to help you, at no charge.
Send me your questions and concerns. I'll answer them for you.
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!
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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.
Why Choose Peter Pyburn?
- ✔ FSCA Registered Financial Services Provider
- ✔ Over three decades of hands-on experience
- ✔ Independent advice across multiple schemes like Discovery, Momentum, Bonitas, Fedhealth, Genesis, CompCare and Medshield.
- ✔ Focused on your long-term outcomes
- ✔ No Broker fee as the medical aid pays us.
Council for Medical Schemes
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Medical aid benefits are subject to change. Please consult the medical aid brochure and speak to bestmedicalaid.co.za before making any decisions.
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Last updated: September 4, 2026