Yes, with Fedhealth you can upgrade your plan, within 30 days of a life-changing event!
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 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.
Why Fedhealth's savings are superior
These are significant costs you must consider.
Gap cover helps bridge the gap between what your medical scheme pays and the actual cost of in-hospital treatment.
GAP or top-up insurance plan. is a separate insurance that 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.
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
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Important Disclaimer: This content is for informational purposes only and does not constitute financial or healthcare advice.
Medical aid benefits are subject to change. Please consult the medical aid brochure and speak to me before making any decisions.
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Last verified: August 28, 2025