FlexiFED 1
About this plan
🥇 Best suited for individuals and young families wanting affordable network hospital cover.
Principal Member
From
R3,062
per month
Adult Dependant
From
R2,401
per month
Child Dependant
From
R1,122
per month
What's covered
Hospital cover
Savings account
Day-to-day
Chronic cover
Dental
Optical
Maternity
Mental health
Waiting periods
- General
- 3 months
- Pre-existing conditions
- 12 months
FlexiFED 1
Fedhealth FlexiFED 1 Plan (🇿🇦 2026)
Overall, the Fedhealth FlexiFED 1 Medical Aid Plan is a trustworthy and comprehensive medical aid plan that offers 24/7 medical emergency assistance . The Fedhealth FlexiFED 1 Hospital Plan starts from R2,630 ZAR and the FlexiFED 1 Elect Hospital Plan starts at R2,051 ZAR.| 🟩 FlexiFed 1 Hospital Plan | |
| 👤 Main Member Contribution Flexi FED 1 | R2,630 |
| 👥 Adult Dependent Contribution | R2,061 |
| 🍼 Child Dependent Contribution | R963 |
| 🟨 FlexiFED 1 Elect (network) | |
| 👤 Main Member Contribution Flexi FED 1 Elect | R2,051 |
| 👥 Adult Dependent Contribution Elect option | R1,602 |
| 🍼 Child Dependent Contribution Elect option | R747 |
| 📉 Annual Limit | Unlimited Hospital Cover |
| 🏥 Hospital Cover | Unlimited |
| 💶 Prescribed Minimum Benefits | ☑️ Yes |
| ➡️ Screening and Prevention | ☑️ Yes |
| 🔍 Medical Savings Account | ☑️ Yes |
| 🤰 Maternity Benefits | ☑️ Yes |
| 🔁 Gap Cover | Optional at additional cost |
Fedhealth FlexiFED 1 Plan - 8 Key Point Quick Overview
- ☑️ Fedhealth FlexiFED 1 Plan Overview
- ☑️ Fedhealth FlexiFED 1 Plan Contributions and Medical Savings
- ☑️ Fedhealth FlexiFED 1 Plan Benefits and Cover Comprehensive Breakdown
- ☑️ FlexiFED 1 Programs and Wellness Initiatives
- ☑️ Fedhealth FlexiFED 1 Plan Exclusions and Waiting Periods
- ☑️ Fedhealth FlexiFED 1 Plan vs. Similar Plans from other Medical Schemes
- ☑️ Our Verdict on the Fedhealth FlexiFED 1 Plan
- ☑️ Fedhealth FlexiFED 1 Plan Frequently Asked Questions
Fedhealth FlexiFED 1 Plan Overview
The Fedhealth FlexiFED 1 Hospital plan is one of 8, starting from R2,051 (Elect) and includes access to Fedhealth Savings with a beneficial Threshold Benefit that kicks in once your claims reach a certain threshold, and more.
Gap Cover is not included on the Fedhealth FlexiFED 1 Plan. Fedhealth offers 24/7 medical emergency assistance. According to the Trust Index, Fedhealth has a trust rating of 4.5.
Fedhealth FlexiFed 1 also have a Savings plan. You can download the brochure here.
Fedhealth offers 8 medical aid plans.
- ✅ FlexiFED Savvy
- ✅ MyFED
- ✅ Maxima PLUS
- ✅ Maxima EXEC
- ✅ FlexiFED 4
- ✅ FlexiFED 3
- ✅ FlexiFED 2
- ✅ FlexiFED 1
FlexiFed 1 Savings Plan Contribution
Fedhealth FlexiFED 1 Hospital Plan Contributions and Medical Savings
Contributions
| 👤 Main Member (flexiFed 1) | 👥Adult Dependent | 👥 Child Dependent |
| R2,630 | R2,061 | R963 |
| 👤 Main Member (flexiFed 1 Elect) Network option | 👥Adult Dependent | 👥1 Child Dependent |
| R2,051 | R1,602 | R747 |
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Annual Threshold Level
| 🔍 Medical Plan | 👤 Principal member | 👥 Adult dependant | 🍼 Child |
| 1️⃣ FlexiFED 1 | R5,508 | R4,320 | R2,016 |
| 2️⃣ FlexiFED1 Elect | R5,508 | R4,320 | R2,016 |
Annual day-to-day Savings Plan
| 🔍 Medical Plan | 👤 Principal member | 👥 Adult dependant | 🍼 Child |
| 1️⃣ FlexiFED 1 | R324 | R240 | R108 |
| 2️⃣ FlexiFED1 Elect | R240 | R180 | R72 |
Annual maximum Back-up Savings that a member can add to their day-to-day cover
| 🔍 Medical Plan | 👤 Principal member | 👥 Adult dependant | 🍼 Child |
| 1️⃣ FlexiFED 1 | R7,488 | R5,880 | R2,760 |
| 2️⃣ FlexiFED1 Elect | R7,572 | R5,940 | R2,796 |
Fedhealth FlexiFED 1 Plan Benefits and Cover Comprehensive Breakdown
FlexiFED 1 Hospital Plan and In-hospital benefits
- All hospitalization-required treatments and procedures included in the flexiFED plans are covered under this benefit.
- Unless otherwise specified, annual restrictions apply to an entire household.
- At network hospitals, there is no limit.
- 30% co-payment on voluntary use of non-network hospitals.
- Co-payment of R2,710 for voluntary using a non-network day surgery facility.
- On flexiFED 1Elect, there is a R15 950 excess on all hospital admissions except emergency admissions.
| 👨⚕️ Fedhealth Network GPs and Specialists | Unlimited cover. Accounts will be paid in full. |
| 👩⚕️ Non-network GPs | Covered up to the Fedhealth Rate. |
| 📈 Non-Network Specialists | Covered up to the Fedhealth Rate. |
| 📉 PMBs treatment | You must use Fedhealth Network Doctors and specialists to receive complete coverage for PMB conditions. If you choose not to use network providers, the Scheme will only reimburse you for treatment up to the Fedhealth Rate for non-network GPs and specialists. If the healthcare practitioner charges extra, you will have a shortfall. |
| 💶 Hospitalization Costs | The unlimited cover is according to the negotiated tariff. |
| 🚑 Additional medical services | Paid from Fedhealth savings or must be self-funded. The benefit will accumulate at cost towards the Threshold level. |
| 👩⚕️ Nursing services Private nurse practitioners Nursing agencies | Unlimited according to the negotiated tariff. |
| ➡️ Sub-acute facilities Physical Rehabilitation facilities | Unlimited according to PMB level of care. |
| 🩺 Appliances, external accessories, and orthotics | Paid from Fedhealth savings or must be self-funded. The benefit will accumulate at cost towards the Threshold level. |
| 🩸 Blood, Blood Equivalents, and Blood Products | Unlimited cover. |
| ☑️ Immune Deficiency relating to HIV | Unlimited cover. |
- Fedhealth Network GPs and Specialists: Subject to Savings or self-funded. Unlimited consultations at nominated Network GP, once Threshold Level is reached
- Non-network GPs and Specialists: Subject to savings at Fedhealth Rate.
- Other healthcare professionals: Subject to savings. Covered up to the Fedhealth Rate.
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Additional Benefits:| 😊 Maxillo-Facial Surgery | Unlimited cover. Subject to approval. |
| 📈 Oncology | Unlimited PMB care at a designated service provider under the Essential protocol. Non-DSP users must pay a 25% co-payment. |
| ❤️ Organ Transplants | Unlimited according to PMB level of care. |
| 📉 Pathology and Radiology (Basic) | Unlimited up to the Fedhealth Rate. |
| 📊 Physiotherapy | Pre-authorization and treatment regimens apply. Subject to referral by a medical practitioner. |
| 💙 Psychiatric Services Accommodation in a general ward Procedures ECT Materials Hospital Equipment Consultations and Visits Medicines Injectable Material | Unlimited according to PMB level of care. |
| ➡️ Renal Dialysis Consultations Visits All services, materials, and medicine associated with the cost of renal dialysis | Unlimited PMB care at Designated Service Provider (DSP). A 40% co-payment will apply if a DSP is not used. |
| ☑️ PET and PET-CT | No benefit, unless PMB level of care, DSP Network applicable or a R5 670 co-payment for non-DSP use |
| ⚕️ Spinal Surgery | No benefit unless it is according to PMB level of care. |
| 💖 Terminal Care Benefit | Limited to R35,570 per family per year. |
FlexiFED 1 Co-Payments
Members of the Fedhealth FlexiFED 1 plan must note that the following co-payments may apply according to the procedure performed. These co-payments are for the member’s account. Co-payments per event applicable on hospital or facility account:| 💴 Bunion procedures, diagnostic cystoscopy, gastritis/ dyspepsia/ heartburn, nasal procedures, skin biopsy/ excision | R8,190 per event. |
| 💵 All open hernia surgery | R8,720 per event. |
| 💶 Arthroscopic procedures - knee, shoulder, ankle | R10,930 per event. |
| 💷 Back & neck procedures | R8,190 per event. |
| 💴 Colonoscopy, upper GI endoscopy | R8,190 per event. |
| 💵 Dental admissions | No Benefit |
| 💶 Inguinal hernia surgery | R8 720 per event. |
| 💴 Laparoscopic hernia repairs (bilateral inguinal, repeated inguinal hernias & Nissen/ Toupet hernia repairs only), laparoscopic procedures | R8,190 per event. |
| 💵 Laparoscopic varicocelectomy | R8,190 per event. |
| 💶 Surgical extraction of impacted wisdom teeth | R5,910 per event. |
| 💷 Varicose vein procedures | R8,190 per event. |
- Co-payments for hysterectomies, adenoidectomies and tonsillectomies 12 years of age and over have been removed.
FlexiFED 1 Prothesis Benefits
- External Prostheses: Unlimited according to PMB level of care.
| 1️⃣ Aorta Stent Grafts | Unlimited according to PMB level of care |
| 2️⃣ Bone lengthening devices, carotid stents, embolic protection devices, and other approved spinal implantable devices and intervertebral discs, peripheral arterial stent-grafts, spinal plates, and screws | Unlimited according to PMB level of care |
| 3️⃣ Cardiac pacemakers, cardiac stents, cardiac valves | Unlimited according to PMB level of care |
| 4️⃣ Detachable platinum coils | Unlimited according to PMB level of care |
| 5️⃣ Elbow, hip, knee, and shoulder replacement | Unlimited according to PMB level of care |
| 6️⃣ Intraocular lenses (per lens) | Unlimited according to PMB level of care |
| 7️⃣ Combined benefit limit for all unlisted internal prosthesis | Unlimited according to PMB level of care |
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FlexiFED 1 Chronic Disease Benefits
- Chronic disease coverage is unlimited (CDL) according to Fedhealth formularies and guidelines.
- HIV/AIDS treatment for mother-to-child transmission, rape, and post-exposure prophylaxis is unlimited.
FlexiFED 1 Chronic Disease List (CDL)
- ☑️ Addison’s Disease
- ☑️ Asthma
- ☑️ Bipolar Mood Disorder
- ☑️ Bronchiectasis
- ☑️ Cardiac Failure
- ☑️ Cardiomyopathy
- ☑️ COPD/ Emphysema/ Chronic Bronchitis
- ☑️ Chronic Renal Disease
- ☑️ Coronary Artery Disease
- ☑️ Crohn’s Disease
FlexiFED 1 Screening and Prevention Benefits
- Women’s Health
- Cervical Cancer Screening (Pap smear): One every three years for female beneficiaries between 21 and 65.
- Men’s Health
- Prostate Specific Antigen (PSA): One every year for male beneficiaries between 45 and 69.
- Children’s Health
- Immunisation Programme according to the State EPI: Various frequencies from birth to 12 years.
- Beneficiary over 45
- Breast cancer screening with mammography: One every two years for all beneficiaries 40>
- Colorectal cancer screening via a fecal occult blood test: One every year for beneficiaries 50 to 75.
- Pneumococcal vaccines: Once per lifetime for beneficiaries 65>
- General
- Flu Vaccine: Once every year for all beneficiaries.
- HIV finger prick test: Once every year for all beneficiaries.
- Health Risk Assessment
- Wellness screening (BMI, blood pressure, finger prick cholesterol, and glucose tests): Once a year for all beneficiaries.
- Preventative screening (Waist-to-hip ratio, body fat percentage, flexibility, posture, and fitness): Once a year for all beneficiaries.
FlexiFED 1 Day-to-Day Benefits
| 💶 Tariff | Covered up to the Fedhealth rate. |
| 🩺 Appliances, External Accessories, and Orthotics: For example: Hearing Aids Wheelchairs, etc. | In and out of the hospital: Fedhealth Savings or self-funding. Accumulates at cost until it reaches the Threshold level |
| 💙 Alternative Healthcare Acupuncture Homoeopathy Naturopathy Osteopathy Phytotherapy | Covered from available savings or must be funded by the member. Will accumulate at a cost to the Threshold level. |
| ➡️ Additional Medical Services Audiology Dietetics Genetic Counselling Hearing Aid Acoustics Occupational Therapy Orthoptics Podiatry Private Nursing Psychologists Social Workers Speech Therapy | Covered from available savings or must be funded by the member. Will accumulate at the cost to the Threshold level. |
| 🦷 Advanced Dentistry Inlays Crowns Bridges Mounted Study Models Metal Base Partial Dentures Oral Surgery Orthodontic Treatment Periodontists Prosthodontists Dental Technicians | Covered from available savings or must be funded by the member. Will accumulate at the cost to the Threshold level. |
| ☑️ Osseo-integrated Implants and Orthognathic Surgery | Covered from available savings or must be funded by the member. Will accumulate at the cost to the Threshold level. |
| 📌 Basic Dentistry | Self-funded or paid from Fedhealth Savings. When you hit your Threshold level, the following advantages will be paid from your Threshold benefit and will be available to each beneficiary: Two annual visits X-rays Scaling and polishing Contract dentists must be used, and procedures, dental tariff codes, and protocols are confined to a list of approved procedures, dental tariff codes, and protocols. |
| 📍 Fedhealth Network GPs | Paid from Fedhealth Savings, then unlimited visits to a selected network Physician after the Threshold is achieved. Each beneficiary may choose up to two network doctors. Each beneficiary is only allowed two mental health visits per year. Up to two out-of-area GP consultations per recipient per year are permitted. |
| 👨⚕️ Non-network GPs | Covered from available savings or must be funded by the member. Will accumulate at the cost to the Threshold level. |
| 🍼 Maternity | Covered from available savings or must be funded by the member. Will accumulate at the cost to the Threshold level. |
| 🤓 Optometry | Covered from available savings or must be funded by the member. Will accumulate at the cost to the Threshold level. |
| 💊 Over-the-Counter Medication | Covered from available savings or must be funded by the member. Will accumulate at the cost to the Threshold level. |
| 📌 Pathology | Covered from available savings or must be funded by the member. Will accumulate at the cost to the Threshold level. |
| 📍 Physical Therapy | Covered from available savings or must be funded by the member. Will accumulate at the cost to the Threshold level. |
| 🧪 Prescribed Medication | Covered from available savings or must be funded by the member. Will accumulate at the cost to the Threshold level. |
| 📈 Basic Radiology | Covered from available savings or must be funded by the member. Will accumulate at the cost to the Threshold level. |
| 📉 Specialists (excl. Psychiatrists) | Network GP referral is required for consults, including PMB conditions. The benefit is paid from Risk benefits. |
| 📊 Fedhealth Network Specialists | Covered from available savings or must be funded by the member. Will accumulate at the cost to the Threshold level. |
| 🔍 Non-network Specialists | Covered from available savings or must be funded by the member. Will accumulate at the cost to the Threshold level. |
| 🔎 Specialists – Psychiatrists | Network GP referral is required for consults, including PMB conditions. The benefit is paid from Risk benefits. |
| 🧠 Fedhealth Network Psychiatrists | Covered from available savings or must be funded by the member. Will accumulate at the cost to the Threshold level. |
| 💖 Non-network Psychiatrists | Covered from available savings or must be funded by the member. Will accumulate at the cost to the Threshold level. |
FlexiFED 1 Programs and Wellness Initiatives
Fedhealth offers all FlexiFED 1 Member access to additional programs, benefits, and initiatives as indicated below.| 🔍 HIV Management | Fedhealth provides the AfA program to help HIV-positive members manage their illnesses. Besides paying essential drug and pathology claims, the benefits of being on the program include therapeutic and emotional assistance with strict secrecy. |
| 📉 Aligned | Fedhealth has teamed with Aligned to provide additional care to members suffering from critical illnesses such as advanced cancer. The benefit includes an initial consultation with a clinician trained in palliative care to examine their needs holistically. Counseling for the individual and their family is provided, as is establishing an advanced healthcare plan or living will. Three follow-up doctor visits and two follow-up social worker consultations are also provided yearly to ensure the member is supported throughout their treatment path. |
| 💙 Corporate Wellness Days | Corporate wellness days allow for the creation of awareness, education, prevention, screening, and targeted interventions that encourage good lifestyle changes. These days are well-received because having these services at work is convenient for Fedhealth members. In addition to the therapeutic benefits that wellness days can bring, they allow Fedhealth to market the Scheme to clients and potential clients. |
| 🍬 Diabetes Care | Fedhealth customers with diabetes can access a comprehensive program tailored to their specific needs and other chronic diseases. This involves ongoing access to a treating physician, authorized chronic medication, and blood and laboratory tests. |
| ❤️ Emergency Transport/Response | In an emergency, Fedhealth will provide emergency transportation to all members through the partner Europ Assistance. |
| ⚕️ Fedhealth Conservative Back and Neck Rehabilitation Program | Fedhealth has a well-established intervention for members experiencing back and neck pain. It is based on the notion of active muscle reconditioning and is supported by clinical research that indicates that exercise decreases discomfort and can restore function in many cases. The program offers qualifying participants customized treatment and takes a thorough and holistic approach to persistent back and neck pain. Following an initial assessment, recipients may get treatment up to twice a week for six weeks and a home-based long-term care protocol. |
| ✅ GoSmokeFree Smoke Cessation Program | Fedhealth encourages smokers to join up for GoSmokeFree at 200 pharmacies nationwide, including Dis-Chem, Clicks, and independent pharmacies. Smokers receive an annual GoSmokeFree benefit from risk benefits. Pre-quit assessment, support, and a smoking cessation strategy are included. |
| ☑️ Health Risk Assessments | This benefit identifies members at risk of lifestyle diseases. It helps them prevent or manage them with practical advice and Scheme advantages. Participating pharmacies and BASA biokinetics offer Health Risk Assessments. |
| 🏠 Hospital at Home | Fedhealth and Quro Medical’s technology-enabled Hospital at Home service offers in-patient care to patients’ homes, including real-time patient monitoring. Available in the Eastern Cape, Western Cape, Gauteng, and Bloemfontein, with further expansion planned. Fedhealth members can receive active treatment at home for a predetermined period without sacrificing care with this service. |
| 🚑 MediTaxi | Fedhealth users with hospital authorizations in Cape Town, Johannesburg, Pretoria, and Durban can use MediTaxi. If they cannot drive after a medical procedure, members can use the 24/7 MediTaxi service to get to follow-up appointments. Limited to two annual return trips per member/beneficiary. |
| ⏰ 24-Hour Nurse line | The Fedhealth toll-free 24-hour service is staffed by nurses who can advise on medical crises, symptoms, medication side effects, stress management, and teen support. |
| 🅰️ Paed-IQ | Parents of children under 14 can call Paed-IQ 24/7 for advice. This service assists parents with healthcare-related childcare difficulties. |
| 🅱️ Sisters-on-Site | Fedhealth and SOS Corporate Wellness (Sisters-on-Site) provide nursing Sisters-on-Site to members’ workplaces. |
| 📲 SOS Call Me | Fedhealth members and their dependents receive free USSD callbacks. The service offers three options, including the following: Emergency Medical Services (EMS) Nurse Line MediTaxi |
| 😊 Weight Management Program | Fedhealth members with high BMI and waist circumference can participate in the Weight Management Plan. Members reduce weight and enjoy healthier, more fulfilling lives through a 12-week biokinetics-led intervention plan with a nutritionist and psychologist. After the program, continuous assistance and advice are offered. |
Fedhealth FlexiFED 1 Plan Exclusions and Waiting Periods
FlexiFED 1 Exclusions
Fedhealth FlexiFED 1’s exclusions include, but are not limited to, the following:- Art Therapy
- Aromatherapy
- Herbalists
- Reflexology
- Therapeutic massage therapy
- Appliances, external accessories, and orthotics
- Blood, Blood Equivalents, and Blood Products
- Dentistry
- Infertility
- Maternity
- Medicine and Injectables, including,
- And more....
FlexiFED 1 Waiting Periods
Fedhealth FlexiFED 1 could have the following waiting periods:- General Waiting periods: This is often three months, depending on your chosen medical aid plan. During this period, you must pay your regular monthly payments. However, you are not eligible for benefits except for some PMB-related claims.
- A secondary waiting period: This is typically around 12 months and pertains to therapy for any pre-existing conditions you had when you joined.
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Medical Aid Comparisons : FlexiFED 1 Plan vs. Similar Plans from other Medical Schemes
| 🔎 Medical Aid | 🥇 Fedhealth FlexiFED 1 (2026) | 🥈 Bestmed Beat 2 (2026) | 🥉 Discovery Health Essential Delta Saver (2026) |
| 🌎 International Cover | N/A | Holiday and Business travel: Limited to 45 days and R1 million per family cover for travel to the USA. All other countries covered up to 90 days, with R5 million per family, i.e. member and dependants | Cover up to R5 million per beneficiary per journey for emergency hospitalisation, incl emergency evacuation & transportation. Max of 90 days from date of departure. Specific rules apply and pre-existing conditions are excluded |
| 👤 Main Member Contribution | R2,630 | R3,084 | R2,898 Delta Network Hospitals |
| 👥 Adult Dependent Contribution | R2,061 | R2,395 | R2,187 |
| 🍼 Child Dependent Contribution | R963 | R1,229 | R1,163 |
| 🏥 Hospital Cover | Unlimited | Unlimited | Unlimited |
| ➡️ Oncology Cover | Unlimited at cost at PMB level of care at DSP | 100% of the scheme tariff | R250,000 |
Our Verdict on the Fedhealth FlexiFED 1 Plan
💙 The FlexiFED 1 plan from Fedhealth is a medical aid plan that offers optional savings and a range of benefits and features designed to meet the healthcare needs of its members. One of the advantages of the FlexiFED 1 plan is that it offers comprehensive coverage for a wide range of healthcare needs, including in-hospital care, day-to-day medical expenses, and preventative care.
💙 In addition, members of the plan also have access to a range of additional benefits, such as coverage for chronic conditions, mental health, and rehabilitation services. Another advantage of the plan is that it offers a range of wellness and preventative care benefits, including coverage for diabetes care programs, conservative back and neck rehabilitation, health assessments, and lifestyle management programs.
💙 However, one potential drawback of the FlexiFED 1 plan is that it may be more expensive than other medical aid plans, particularly for individuals or families with limited healthcare needs. Members may also be subject to certain exclusions and waiting periods, depending on the terms and conditions of the plan.
💙 Overall, the FlexiFED 1 plan from Fedhealth is a good medical aid plan that offers a range of benefits and features designed to meet the healthcare needs of its members.
💙 While it may not be suitable for everyone, particularly those with limited healthcare needs, it offers a range of advantages that may be attractive to individuals and families who require healthcare coverage.
You might also consider the following options FedHealth has to offer:
- Fedhealth FlexiFED 2
- Fedhealth FlexiFED 3
- Fedhealth FlexiFED 4
- Fedhealth Maxima EXEC
- Fedhealth Maxima PLUS
- Fedhealth MyFED
- Fedhealth FlexiFED Savvy
