Why Fedhealth Savings are so Superior
10 Reasons why Fedhealth offer the best savings.
Fedhealth savings are superior because you only pay for day-to-day cover when you need it, unlike traditional medical aids that force upfront payments.
- Who: South Africans wanting flexible, affordable day-to-day cover without paying for unused benefits.
- What: Unique back-up Fedhealth Savings that you activate only when needed, plus the only scheme allowing mid-year upgrades after life-changing events.
- When/Where: Activate savings anytime via the Fedhealth app or USSD, available across South Africa.
- Why: Saves money by paying only for cover you use, avoids unnecessary premiums, and ensures flexibility.
- How: Choose a flexiFED plan, activate savings when required, and get expert broker advice at no cost.
Compare Fedhealth plans and get your free quote today.
You have either set benefits and limits OR a savings fund.
1. Traditional Set benefits.
You have pre-defined amounts for different treatments, which are not interchangeable.
Benefits do not roll over to the next year - these are a "use it, or lose it" type benefit.
2. Savings fund.
You are allocated a set amount of funds from which you pay costs.
You can spend the funds as you wish.
Any balances roll over to the following year.
Here is the problem ...
1/12 of the savings fund is automatically added to your premium as a repayment of that amount over a year - whether you spend the savings or not!
This is really like a forced loan.
Fedhealth don't do this, enabling you to control how you use your savings.
And that puts Fedhealth in a league of their own!
With both options, once the benefits or funds are spent and depending upon your plan, you may have access to a safety net (Threshold Benefit) where, once expenses add up to a pre-determined amount, the scheme pay certain further costs for that year.
The 10 reasons why Fedhealth savings are so superior.
- You choose if you want savings with your plan or if you prefer to have a hospital only plan and self-fund day-to-day costs.
If you don't spend savings - your premium remains that of a hospital only plan! - You have significantly higher amounts of savings than the average medical aid savings account.
- Unlike traditional medical aid,funds not spent roll over to the next year, so you never lose them!
- You can use savings to pay for any PMB (Prescribed Minimum Benefit) treatment shortfalls.
Fedhealth is the only scheme to allow for this! - There are no benefit sub-limits. You can use all your funds to pay for one expensive treatment, should you wish.
- There is an income tax benefit allowed on your savings. No other savings plan allows this!
- You can spend your savings on any healthcare-related cost. Other schemes have restrictions and/or set benefits and sub limits on savings.
- You can top-up your savings at any time.
No other scheme allows for this! - You can use savings to fund medical costs that are not normally covered by medical aid, like in-hospital procedure co-payments. Traditional plans do not allow for this.
- You only pay for what you spend.
No other medical aid savings plan offers this!
That's not all, because Fedhealth pay more from the plan than any other scheme!
The scheme pays for treatments like trauma casualty, 7 days of take-home medicine, 30-days post hospital, specialised radiography (MRI/CT scans), female contraceptives and you can upgrade to a higher option with more comprehensive benefits anytime of the year.
They offer a safety net should you spend your savings you have access to unlimited listed GP visits and basic dentistry, paid by the scheme.
There are child rates for financially dependent children up to age 27, and you only pay for three children.
Preventative screenings and healthcare assessments like lifestyle screenings, wellness screenings (includes finger prick glucose and cholesterol, blood pressure, waist circumference and body mass index (BMI) and physical screenings are covered from this benefit.
Additional benefits for all members;
- SOS call me.
- Weight management programme.
- Smoking cessation programme.
- Fedhealth Baby Programme
- Paed-IQ advice line for parents.
- 24-hour Nurse Line.
Hospital at Home brings essential elements of in-patient care to your home, including real-time patient monitoring in certain areas.
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?Fedhealth pay me a fee to help you join.
Let's see just what you can save on your medical aid costs.
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 or 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!
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Send me your questions and concerns. I'll answer them for you.
083 655 2164
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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?
Over 30 years of experience in financial services - Fully Licensed and Accredited for medical aid and other Personalised financial advice.
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