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Peter Pyburn - Authorised Financial Services Provider fully licensed to provide expert financial services since 1991.
Upgrade Your Medical Aid with Fedhealth
Fedhealth, the only scheme allowing upgrades during the year
Yes, with Fedhealth you can upgrade your plan within 30 days of a life-changing event!
Upgrading your medical aid in South Africa ensures your healthcare cover keeps pace with changing needs, life stages, and increasing medical costs.
- Who: Individuals and families whose current cover no longer meets their healthcare requirements.
- What: Moving to a higher-tier plan with better hospital cover, chronic benefits, and savings options.
- When/Where: Apply during annual scheme changes or special events, available across South Africa.
- Why: Gains access to better private hospitals, reduces co-payments, and covers new health conditions.
- How: Compare plans, consider underwriting and waiting periods, and get expert broker guidance.
Upgrade your medical aid and get your free expert comparison today.
Many medical aid members fear experiencing unexpectedly high medical costs without the right healthcare plan. Consequently, they tend to over-insure themselves by buying benefits they may never use, or (more commonly) buying based on affordability rather than clinical benefits.
This exposes them to great risk if they are later diagnosed with a serious illness or fall pregnant, because most schemes only allow option changes at year-end.
Fedhealth is the only scheme that allows upgrades any time during the year within 30 days of a life-changing event!
This means you have peace of mind knowing you aren't paying for unneeded benefits.
Instead, you have instant access to comprehensive benefits should your circumstances change, which are just an upgrade away!
This saves you money every month that you would otherwise have spent "just in case."
This benefit allows you to safely join a lower-cost Fedhealth plan from the start, knowing you can upgrade following events like marriage, pregnancy, or the diagnosis of a dread disease.
Other impressive and unique benefits that set Fedhealth apart from other schemes include:
- Unlimited network GP visits once savings are exhausted and you reach your threshold level.
Other schemes limit this to a fixed number of consultations and enforce co-payments. - Post-hospitalisation treatment for up to 30 days after discharge is paid from risk. Your savings last longer, unlike schemes that deplete savings for these costs.
- Specialised radiology like MRI/CT scans are paid from risk regardless of your plan option, whether performed in or out-of-hospital.
- Trauma treatment in a casualty ward: Whether admitted or not, emergency care like stitches is always paid from risk rather than savings.
- Hospital and Savings: A unique model where you don't pay upfront for savings before spending them. This can save up to 25% on your monthly premium!
- Higher savings allocations compared to other medical schemes.
- Child rates for financially dependent children, and you only pay for up to three children up to age 27.
All Fedhealth plans are hospital plans with the option of day-to-day savings should you require them.
You only pay for savings when you actually spend them.
Why Fedhealth's savings are superior
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 unexpected expenses.
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 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 scheme's 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.
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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 6, 2026