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Fedhealth

FlexiFED 2

About this plan

πŸ₯‡ Best suited for young families planning for pregnancy and affordable hospital cover.
Principal Member
From
R4,845
per month
Adult Dependant
From
R4,312
per month
Child Dependant
From
R1,432
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 2

  Fedhealth-FlexiFED-2-Banner 2025

Fedhealth FlexiFED 2 Medical Aid Plan (πŸ‡ΏπŸ‡¦ 2026)

  Overall, the Fedhealth FlexiFED 2 Medical Aid Plan is a trustworthy and comprehensive medical aid plan that offers 24/7 medical emergency assistance and dentistry benefits. The Fedhealth FlexiFED 2 Elect Savings Plan starts from R3,810 ZAR.  
πŸ”Ž Medical Aid PlanπŸ₯‡ Fedhealth FlexiFED 2
πŸ‘€ Main Member ContributionR3,810 - R4,845
πŸ‘₯ Adult Dependent ContributionR3,403 - R4,312
🍼 Child Dependent ContributionR1,131 - R1,432
πŸ“‰ Annual LimitUnlimited Hospital Cover
πŸ’™ Hospital CoverUnlimited
  FlexiFed 2 Plan for 2026

Fedhealth FlexiFED 2 Plan - 8 Key Point Quick Overview

  1. β˜‘οΈ Fedhealth FlexiFED 2 Plan Overview
  2. β˜‘οΈ Fedhealth FlexiFED 2 Plan Contributions, Annual Threshold, and Medical Savings
  3. β˜‘οΈ Fedhealth FlexiFED 2 Plan Benefits and Cover Comprehensive Breakdown
  4. β˜‘οΈ FlexiFED 2 Programs and Wellness Initiatives
  5. β˜‘οΈ Fedhealth FlexiFED 2 Plan Exclusions and Waiting Periods
  6. β˜‘οΈ Fedhealth FlexiFED 2 Plan vs. Similar Plans from other Medical Schemes
  7. β˜‘οΈ Our Verdict on the Fedhealth FlexiFED 2 Plan
  8. β˜‘οΈ Fedhealth FlexiFED 2 Plan Frequently Asked Questions

Fedhealth FlexiFED 2 Plan Overview

FlexiFed 2 Overview   The Fedhealth FlexiFED 2 medical aid plan is one of 8, starting from R3,810 on Elect Savings option, and includes comprehensive in-hospital cover, screening and prevention, women’s and men’s health, maternity, dentistry, and additional benefits.   Gap Cover is not included on the Fedhealth FlexiFED 2 Plan. However, Fedhealth offers 24/7 medical emergency assistance. According to the Trust Index, Fedhealth has a trust rating of 4.5.   FedhealthΒ offers 8 medical aid plans Flexifed 2 plan overview for 2025

Fedhealth FlexiFED 2 Plan Contributions, Annual Threshold, and Medical Savings

Contributions:

 
FlexiFed SAVINGSπŸ‘€ Main MemberπŸ‘₯ +1 DependentπŸ‘₯ +1 Child Dependent
🟩 flexiFed 2R4,845R4,312R1,432
🟨 flexiFed 2 GRINDR4,420R3,940R1,306
🟦 flexiFed 2 ELECTR3,810R3,403R1,131
FlexiFed HOSPITALπŸ‘€ Main MemberπŸ‘₯ +1 DependentπŸ‘₯ +1 Child Dependent
🟩 flexiFed 2R4,147R3,690R1,224
🟨 flexiFed 2 GRINDR3,719R3,315R1,098
🟦 flexiFed 2 ELECTR3,104R2,775R922
 

Annual Threshold Level

 
FlexiFed HOSPITALπŸ“‰ FlexiFed 2: Annual Threshold LevelπŸ“‰ FlexiFed 2 Grind: Annual Threshold LevelπŸ“‰ FlexiFed 2 Elect: Annual Threshold Level
πŸ‘€ Main Member OnlyR8,724R8,724R8,724
πŸ‘₯ Adult DependentR7,764R7,764R7,764
🍼 Child DependentR2,580R2,580R2,580
FlexiFed SAVINGSπŸ“‰ FlexiFed 2: Annual Threshold LevelπŸ“‰ FlexiFed 2 Grind: Annual Threshold LevelπŸ“‰ FlexiFed 2 Elect: Annual Threshold Level
πŸ‘€ Main Member OnlyR8,724R8,724R8,724
πŸ‘₯ Adult DependentR7,764R7,764R7,764
🍼 Child DependentR2,580R2,580R2,580
 

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FlexiFed 2 Savings Plan for 2026

Annual day-to-day Savings on Flexifed 2

 
πŸ”Ž Member Optionβ˜‘οΈ FlexiFED 2 β˜‘οΈ FlexiFED 2 Gridβ˜‘οΈ FlexiFED 2 (Elect)
πŸ‘€ Main Member OnlyR8,724R8,724R8,724
πŸ‘₯ Adult DependentR7,764R7,764R7,764
🍼 Child DependentR2,580R2,580R2,580
 

Annual maximum Backup Day-to-day Savings on FlexiFed 2 Hospital Plan

 
πŸ”Ž Member Optionβ˜‘οΈ FlexiFED 2 β˜‘οΈ FlexiFED 2 GRIDβ˜‘οΈ FlexiFED 2 ELECT
πŸ‘€ Main Member R12,012R12,048R12,108
πŸ‘₯ Adult DependentR10,692R10,728R10,764
🍼 Child DependentR3,564R3,564R3,576
 

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Fedhealth FlexiFED 2 Plan Contributions, Annual Threshold, and Medical Savings

Fedhealth FlexiFED 2 Plan Benefits and Cover Comprehensive Breakdown

FlexiFED 2 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.
 
πŸ’΄ Overall Annual Limit (OAL)To have the treatment for PMB conditions covered in full, you will have to use Fedhealth Network GPs, Specialists, Hospitals and DSPs where applicable. Unlimited at any hospital. R2 710 co-payment on voluntary use of non-network day surgery facilities. On flexiFED 2 GRID members must use network hospitals. On flexiFED 2 Elect there is a R15 950 excess on all hospital admissions except emergency admissions
πŸ“Œ HOSPITAL NETWORK
πŸ“ Fedhealth Network GPs and SpecialistsUnlimited cover. Accounts will be paid in full.
πŸŸ₯ Non-network GPsCovered up to the Fedhealth Rate.
🟧 Non-Network SpecialistsCovered up to the Fedhealth Rate.
πŸ‘©β€βš•οΈ Other healthcare professionalsCovered up to the Fedhealth Rate.
βœ”οΈ PMBs treatmentYou 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.
πŸ₯ Hospitalization CostsThe unlimited cover is according to the negotiated tariff.
➑️ Additional medical servicesPaid from Fedhealth savings or must be self-funded. The benefit will accumulate at cost towards the Threshold level.
πŸš‘ Hospitalisation Alternatives
πŸ‘©β€βš•οΈ Nursing services Private nurse practitioners Nursing agenciesUnlimited according to the negotiated tariff.
πŸ‘¨β€βš•οΈ Sub-acute facilities Physical Rehabilitation facilitiesUnlimited according to PMB level of care.
🩺 Appliances, external accessories, and orthoticsPaid from Fedhealth savings or must be self-funded. The benefit will accumulate at cost towards the Threshold level.
🩸 Blood, Blood Equivalents, and Blood ProductsUnlimited cover.
✳️ Immune Deficiency relating to HIVUnlimited cover.
🀰 Maternity
β˜‘οΈ Fedhealth Network GPs and SpecialistsUnlimited and fully covered.
βœ… Non-network GPs and SpecialistsCovered up to the Fedhealth Rate.
πŸ“Œ Other healthcare professionalsCovered up to the Fedhealth Rate.
🦷 Dentistry
😊 Maxillo-Facial SurgeryUnlimited cover. Subject to approval.
➑️ Surgical extraction of impacted wisdom teethA co-payment of R5,910 is required.
πŸ” In-hospital dentistry benefits for child beneficiaries <7Fedhealth covers the hospital and anesthetist costs from the in-hospital benefit. The Fedhealth savings cover the dentist account, or the member must fund it.
πŸ“Œ OncologyLimited to R321,570 at a designated service provider under the Essential protocol. Non-DSP users must pay a 25% co-payment.
❀️ Organ TransplantsLimited to R321,570.
πŸ“ˆ Pathology and Radiology (Basic)Unlimited up to the Fedhealth Rate.
πŸ“‰ PhysiotherapyPre-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 MaterialLimited to R27,220 per year. (HPT)
πŸ…°οΈ Renal Dialysis Consultations Visits All services, materials, and medicine associated with the cost of renal dialysisLimited to R321,570 up to the Fedhealth Rate at Designated Service Provider (DSP). A 40% co-payment will apply if a DSP is not used.
πŸ…±οΈ Childhood illness specialized drug benefitChildhood sickness specialized drug benefit for children under 18.
πŸ“Š Specialized RadiologyUnlimited at Fedhealth Rate. First R3 050 for non-PMB MRI/ CT scans for the member’s account Oncology PET and PET/CT scans - 2 PET scans per family per annum limited to the Oncology benefit subject to DSP network. R5 670 co-payment for use of non-DSP.
βš•οΈ Spinal SurgeryNo benefit unless it is according to PMB level of care.
πŸ’™ Terminal Care BenefitLimited to R35,570 per family per year.
 

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FlexiFED 2 Co-Payments

FlexiFed Benefits   Members of the Fedhealth FlexiFED 2 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:  
🟧 All open hernia surgeryR5,910 per event.
🟨 Arthroscopic procedures - knee, shoulder, ankle, wrist, hipR10,930 per event. Wrist and hip - No benefit Knee - No benefit unless PMB
🟩 Back & neck proceduresR8,190 per event.
🟦 Colonoscopy, upper GI endoscopyR5,540 per event.
πŸŸͺ Dental AdmissionsNo co-payment
πŸŸ₯ Hysterectomy (unless for cancer)TBA
🟧 Inguinal hernia surgeryR5,910 per event.
🟨 Joint Replacement Co-Payments-
🟩 Laparoscopic hernia repairs R8,190 per event.
🟦 Laparoscopic varicocelectomyR8,190 per event.
πŸŸͺ Surgical extraction of impacted wisdom teethR5,910 per event.
πŸŸ₯ Varicose vein proceduresR8,190 per event.
 

FlexiFED 2 Prosthesis Benefits

External Prostheses:Β  Limit of R12 480Internal Prostheses:Β  Unlimited according to PMB level of care for the following:
  1. Aorta Stent Grafts
  2. 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
  3. Cardiac pacemakers, cardiac stents, cardiac valves
  4. Detachable platinum coils
  5. Elbow, hip, knee, and shoulder replacement
  6. Intraocular lenses (per lens)
  7. Combined benefit limit for all unlisted internal prosthesis
  Total ankle replacement has no benefit.    

FlexiFED 2 Chronic Disease Benefits

  • Chronic disease coverage is unlimited (CDL) according to formularies and guidelines.
  • HIV/AIDS treatment for mother-to-child transmission, rape, and post-exposure prophylaxis is unlimited.

FlexiFED 2 CDL List

  1. Addison’s Disease
  2. Asthma
  3. Bipolar Mood Disorder
  4. Bronchiectasis
  5. Cardiac Failure
  6. Cardiomyopathy
  7. COPD/ Emphysema/ Chronic Bronchitis
  8. Chronic Renal Disease
  9. Coronary Artery Disease
  10. Crohn’s Disease
  and many more....    

FlexiFED 2 Screening and Prevention Benefits

  • βœ… Women’s Health
  • βœ… Cervical Cancer Screening (Pap smear): One every three years for female beneficiaries between 21 and 65.
  • βœ… Men’s Health
  • βœ… Prostate Specific Antigen (PSA): One every year for male beneficiaries between 45 and 69.
  • βœ… Children’s Health
  • βœ… Immunisation Programme according to the State EPI:Β  Various frequencies from birth to 12 years.
  • βœ… Cardiac Health
  • βœ… Cholesterol screening (full lipogram): Once every five years for all beneficiaries aged 20>
  • βœ… Beneficiary over 45
  • βœ… Breast cancer screening with mammography: One every two years for all beneficiaries 40>
  • βœ… Colorectal cancer screening via a fecal occult blood test: One every year for beneficiaries 50 to 75.
  • βœ… Pneumococcal vaccines: Once per lifetime for beneficiaries 65>
  • βœ… General
  • βœ… Flu Vaccine: Once every year for all beneficiaries.
  • βœ…HIV finger prick test: Once every year for all beneficiaries.
  • βœ… Health Risk Assessment
  • βœ… Wellness screening (BMI, blood pressure, finger prick cholesterol, and glucose tests): Once a year for all beneficiaries.
  • βœ… Preventative screening (Waist-to-hip ratio, body fat percentage, flexibility, posture, and fitness):Β  Once a year for all beneficiaries.

FlexiFED 2 Day-to-Day Benefits

 
πŸ“Œ TariffCovered up to the Fedhealth rate.
πŸ“ 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
β˜‘οΈ Alternative Healthcare Acupuncture Homoeopathy Naturopathy Osteopathy PhytotherapyCovered from available savings or must be funded by the member. Will accumulate at the cost to the Threshold level.
βœ… Additional Medical Services Audiology Dietetics Genetic Counselling Hearing Aid Acoustics Occupational Therapy Orthoptics Podiatry Private Nursing Psychologists Social Workers Speech TherapyCovered 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 TechniciansCovered from available savings or must be funded by the member. Will accumulate at the cost to the Threshold level.
πŸ…°οΈ Osseo-integrated Implants and Orthognathic SurgeryCovered from available savings or must be funded by the member. Will accumulate at the cost to the Threshold level.
πŸ…±οΈ Basic DentistrySelf-funded or paid from Fedhealth Savings. Fillings, extractions, and root canals are covered. 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.
πŸ’Š Fedhealth Network GPsPaid 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.
πŸ“ˆ Non-network GPsCovered from available savings or must be funded by the member. Will accumulate at the cost to the Threshold level.
🍼 MaternityCovered from available savings or must be funded by the member. Will accumulate at the cost to the Threshold level.
πŸ€“ OptometryCovered from available savings or must be funded by the member. Will accumulate at the cost to the Threshold level.
πŸ’Š Over-the-Counter MedicationCovered from available savings or must be funded by the member. Will accumulate at the cost to the Threshold level.
πŸ§ͺ PathologyCovered from available savings or must be funded by the member. Will accumulate at the cost to the Threshold level.
πŸ‘¨β€βš•οΈ Physical TherapyCovered from available savings or must be funded by the member. Will accumulate at the cost to the Threshold level.
πŸ‘©β€βš•οΈ Prescribed MedicationCovered from available savings or must be funded by the member. Will accumulate at the cost to the Threshold level.
πŸ’‰ Basic RadiologyCovered from available savings or must be funded by the member. Will accumulate at the cost to the Threshold level.
πŸ“ˆ Specialists (excl. Psychiatrists)Network GP referral is required for consults, including PMB conditions. The benefit is paid from Risk benefits.
πŸ“‰ Fedhealth Network SpecialistsCovered from available savings or must be funded by the member. Will accumulate at the cost to the Threshold level.
πŸ“Š Non-network SpecialistsCovered from available savings or must be funded by the member. Will accumulate at the cost to the Threshold level.
➑️ Specialists – PsychiatristsNetwork GP referral is required for consults, including PMB conditions. The benefit is paid from Risk benefits.
β˜‘οΈ Fedhealth Network PsychiatristsCovered from available savings or must be funded by the member. Will accumulate at the cost to the Threshold level.
🧠 Non-network PsychiatristsCovered from available savings or must be funded by the member. Will accumulate at the cost to the Threshold level.
 

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Flexifed 2 plan benefits 2025

FlexiFED 2 Programs and Wellness Initiatives

  Fedhealth offers all FlexiFED 2 Members access to additional programs, benefits, and initiatives as indicated below.  
πŸ”Ž HIV ManagementFedhealth 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.
πŸ“Œ AlignedFedhealth 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.
πŸ“ Corporate Wellness DaysCorporate 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 CareFedhealth 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.
πŸš‘ Emergency Transport/ResponseIn an emergency, Fedhealth will provide emergency transportation to all members through the partner Europ Assistance.
βš•οΈ Fedhealth Conservative Back and Neck Rehabilitation ProgramFedhealth 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 twice a week for six weeks and a home-based long-term care protocol.
🚩 GoSmokeFree Smoke Cessation ProgramFedhealth 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.
πŸ“Š Health Risk AssessmentsThis 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 HomeFedhealth 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, Free State and Kwazulu-Natal, with further expansion planned. Fedhealth members can receive active treatment at home for a predetermined period without sacrificing care with this service.
⚠️ MediTaxiFedhealth 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 limited to a maximum of 50 km from point of pick-ip to point of drop-off..
⏰ 24-Hour Nurse lineThe 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.
πŸ…°οΈ Paed-IQParents of children under 14 can call Paed-IQ 24/7 for advice. This service assists parents with healthcare-related childcare difficulties.
πŸ…±οΈ Sisters-on-SiteFedhealth and SOS Corporate Wellness (Sisters-on-Site) provide nursing Sisters-on-Site to members’ workplaces.
πŸ“² SOS Call MeFedhealth members and their dependents receive free USSD callbacks. The service offers three options, including the following: Emergency Medical Services (EMS) Nurse Line MediTaxi
➑️ Weight Management ProgramFedhealth 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.
  πŸ’™ Try our free Menstrual Cycle CalculatorFlexiFED 2 Programs and Wellness Initiatives

Fedhealth FlexiFED 2 Plan Exclusions and Waiting Periods

FlexiFED 2 Exclusions

  Fedhealth FlexiFED 2’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

FlexiFED 2 Waiting Periods

  Fedhealth could apply 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 the program.
  πŸ’™ READ more about 5 Best Medical Aids with No Late Joiner PenaltyFlexifed 2 plan exclusions 2025

Fedhealth FlexiFED 2 Plan vs. Similar Plans from other Medical Schemes

 
πŸ”Ž Medical Aid PlanπŸ₯‡ Fedhealth FlexiFED 2 (2026)πŸ₯ˆ Bestmed Beat 2 Network (2026)πŸ₯‰ DH KeyCare Start Regional (2026)
πŸ‘€ Main Member ContributionR3,810 – R4,845R2,775R1,184
πŸ‘₯ Adult Dependent ContributionR3,403 – R4,312R2,156R1,184
🍼 Child Dependent ContributionR1,131 – R1,432R1,167R713
πŸ“‰ Annual LimitUnlimited Hospital CoverSeveral limits and sub-limitsUnlimited Hospital Cover
πŸ’™ Hospital CoverUnlimitedSubject to scheme rulesNetwork Hospital in the member’s region only - Unlimited
  Fedhealth FlexiFED 2 Plan vs. Similar Plans from other Medical Schemes

Our Verdict on the Fedhealth FlexiFED 2 Plan

πŸ’™ FlexiFED 2 provides members with a range of benefits, including unlimited hospitalization at any private hospital in South Africa, covering chronic medication, and accessing a network of healthcare providers. While the plan offers many benefits, it also comes with a higher premium, which may not be affordable for everyone.   πŸ’™ One of the critical features of FlexiFED 2 is its oncology benefit, which covers both in-hospital and out-of-hospital treatment for cancer. This benefit is significant given the high cost of cancer treatment in South Africa, which can quickly deplete a person’s medical savings account. Furthermore, the plan also provides cover for day-to-day medical expenses, including doctor consultations, pathology tests, and medication.   πŸ’™ However, some limitations associated with the FlexiFED 2 plan may impact its suitability for certain individuals. For example, the plan restricts members to make use of designated network of hospitals for treatment, which could be problematic for those who prefer to use a specific hospital or live in an area without a network hospital.   πŸ’™ In addition, when using out-of-network hospitals, members must pay a co-payment for specific elective treatments, which could add to the overall cost of healthcare. Furthermore, there are several co-payments for treatments provided at DSP hospitals. When comparing FlexiFED 2 to FlexiFED 1, the main difference between the two plans is the higher level of benefits provided by FlexiFED 2. However, this higher level of benefits comes at a cost, as the premium for FlexiFED 2 is significantly higher than that of FlexiFED 1. Furthermore, FlexiFED 1 offers unlimited coverage for oncology and several other essential services.   πŸ’™ Overall, Fedhealth FlexiFED 2 is a comprehensive medical aid plan that provides members access to various benefits, including unlimited hospitalization and chronic medication coverage. While the plan offers a high level of benefits, it also comes with a relatively high premium and restrictions on hospital choice and co-payments for elective treatments. Therefore, individuals considering this plan should carefully weigh the benefits and drawbacks to determine whether it is the right option for their healthcare needs and budget.   FlexiFed 2 VerdictYou might also consider the following options FedHealth has to offer:  

Fedhealth FlexiFED 2 Plan Frequently Asked Questions

What is Fedhealth FlexiFED 2?

Fedhealth FlexiFED 2 is a comprehensive medical aid plan offered by Fedhealth, a South African medical scheme.  

What does FlexiFED 2 cover?

FlexiFED 2 covers a range of benefits, including unlimited hospitalization, chronic medication coverage, access to a network of healthcare providers, and comprehensive oncology benefit for cancer treatment.  

What hospitals can I use with FlexiFED 2?

FlexiFED 2 restricts members to using a designated network of hospitals for treatment. You can check the list of network hospitals on Fedhealth’s website.  

Does FlexiFED 2 cover elective treatments?

Yes, FlexiFED 2 covers elective treatments, but members must pay a co-payment for specific procedures.  

How much does FlexiFED 2 cost?

FlexiFED 2 Elect starts from R3,810 for the main member, R3,403 per adult, and R1,131 per child dependent. However, the cost will depend on whether you choose the Supercharged Hospital, Supercharged Savings, or Supercharged Flexible Savings Plan.  

What chronic conditions are covered by FlexiFED 2?

FlexiFED 2 covers a range of chronic conditions, including diabetes, hypertension, and asthma. You can check the complete list of covered conditions in our review and Fedhealth’s website.  

Can I add dependents to my FlexiFED 2 plan?

Yes, you can add dependents to your FlexiFED 2 plan, including spouses, children, and other eligible family members.  

How do I submit a claim for medical expenses?

Answer: You can submit a claim for medical expenses online through Fedhealth’s website or by filling out a claim form and submitting it via email or post.  

What is the waiting period for pre-existing conditions with FlexiFED 2?

The waiting period for pre-existing conditions with FlexiFED 2 is 12 months unless you have been a member of a previous medical scheme for two years or more.  

Can I switch from another medical scheme to FlexiFED 2?

Yes, you can switch from another medical scheme to FlexiFED 2, subject to Fedhealth’s eligibility criteria and waiting periods.  

Does FlexiFED 2 cover dental or optical expenses?

Answer: Yes, FlexiFED 2 covers certain dental or optical expenses. Furthermore, Fedhealth offers optional add-on benefits for these services and other plans that cover this.  

What is the maximum age limit for joining FlexiFED 2?

The is no maximum age set.  

Does FlexiFED 2 cover international travel?

No, FlexiFED 2 does not cover international travel, but Fedhealth offers optional travel insurance for members.  

Can I access Fedhealth’s wellness program with FlexiFED 2?

Yes, members of FlexiFED 2 can access Fedhealth’s wellness program, which includes health assessments, screenings, and lifestyle coaching.  

How do I cancel my FlexiFED 2 plan?

You can cancel your FlexiFED 2 plan by submitting a written request to Fedhealth by email or post. The cancellation will take effect at the end of the current month, subject to a notice period.  
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