Upgrade Your Medical Aid

Yes, with Fedhealth you can upgrade, within 30 days of a life-changing event!

Many medical aid members are scared of experiencing the “ what if ” scenario of unexpectedly high medical aid costs and not having the right healthcare plan at that time. So, they then tend to over insure themselves by buying benefits they may never use in their lifetimes, or, (what is becoming more and more prevalent) buying on affordability and not benefits.

This exposes them to great risk if they are later diagnosed with a dreaded illness or fall pregnant etc., because other schemes only allow option changes at the end of a year.

fedhealth medical aid pays more;

Fedhealth however, is the only scheme that allows upgrades any time during the year within 30 days of a life changing event!

What this means his that you have peace of mind in knowing that you are not paying for benefits you don’t (or may never) need.
Instead, you have instant access to comprehensive benefits should you need them, that are just an upgrade away!
This saves you hundreds if not thousands every month that you would have paid on the basis of “what if something happens!“

This benefit allows you to safely join a lower cost Fedhealth plan from the start knowing you can upgrade in the case of marriage of the main member, pregnancy or the diagnosis of a dread disease.

Here are other, impressive and unique benefits that set Fedhealth apart from other schemes:

Unlimited network GP visits once your savings are spent and you have reached your threshold level!
Other schemes limit this benefit to a number of consultations and most have a co-payment at point of use.
Post-hospitalisation treatment for up to 30 days after discharge from hospital is paid from risk.
Your savings last longer, unlike other schemes who use savings for these costs.
Specialised radiology like MRI/ CT scans are paid for from risk no matter what option you’re on, or whether they are performed in or out-of-hospital.
Other schemes may use your savings for some or all of these out of hospital treatments.
Trauma treatment in a casualty ward. Whether you’re admitted to hospital or not, emergency treatment such as stitches are always paid from risk and never from savings.
Other schemes pay these costs from your savings as they are not part of hospital admission.
Hospital and savings. The unique way to use your savings and control your premium. You don’t have to pay for your day-to-day savings before you’ve even spent them (as with all other medical aid savings).
This can save you up to 25% of your monthly premium!
Hospital and savings are higher than savings with other medical aids.
Child rates for financially dependent children and you only pay for three children up to the age of 27.

All Fedhealth plans are hospital plans with the option of day-to-day savings should you require them.

You only pay for the savings when you spend them.

What is the cost?

Fedhealth application

Private 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 Cura's GAP or top-up insurance plan.
OR Zest 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.

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, 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!

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!

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.

Council of Medical Schemes

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Last update: January 18, 2025