MyFED
About this plan
π₯ Best suited for lower-income employees needing affordable network healthcare cover.
Principal Member
From
R1,719
per month
Adult Dependant
From
R1,719
per month
Child Dependant
From
R779
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
MyFED

Fedhealth MyFED Plan ( πΏπ¦ 2026)
Overall, the Fedhealth MyFED Medical Aid Plan is a trustworthy and comprehensive medical aid plan that offers 24/7 medical emergency assistance and in-hospital cover. The Fedhealth MyFED Medical Aid Plan starts from R1,719 ZAR.| π€ Main Member Contribution | R1,719 β R4,052 |
| π₯ Adult Dependent Contribution | R1,719 β R4,052 |
| πΌ Child Dependent Contribution | R779 β R1,281 |
| βͺοΈ Gap Cover | Optional separately |
| β‘οΈ Hospital Cover | Unlimited |
| π Maternity Benefits | βοΈ Yes |
| πΆ Prescribed Minimum Benefits | βοΈ Yes |
| π Screening and Prevention | βοΈ Yes |
| π¦ Day to Day Benefits | βοΈ Yes |
| π΅ Oncology Cover | Unlimited for PMBs |

Fedhealth MyFED Plan - 7 Key Point Quick Overview
- βοΈ Fedhealth MyFED Plan Overview
- βοΈ Fedhealth MyFED Plan Contributions
- βοΈ Fedhealth MyFED Plan Benefits and Cover Comprehensive Breakdown
- βοΈ Fedhealth MyFED Plan Exclusions and Waiting Periods
- βοΈ Fedhealth MyFED Plan vs. Similar Plans from other Medical Schemes
- βοΈ Our Verdict on the Fedhealth MyFED Plan
- βοΈ Fedhealth MyFED Plan Frequently Asked Questions
Fedhealth MyFED Plan Overview
The Fedhealth MyFED medical aid plan is one of 8, starting from R1,719, and includes affordable medical aid cover for those with lower income. MyFED offers comprehensive in-hospital, chronic, screening, and day-to-day benefits.
Gap Cover is not include on the Fedhealth MyFED Plan but available optionally through various Gap Cover Providers. 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
- β FlexiFED Savvy
- β MyFED
- β Maxima PLUS
- β Maxima EXEC
- β FlexiFED 4
- β FlexiFED 3
- β FlexiFED 2
- β FlexiFED 1

Fedhealth MyFED Plan Contributions
Fedhealth MyFED Contributions
| πΆ Highest Household Monthly Income | π€ Main Member | π₯ Adult Dependent | πΌ Child Dependent (Max 3) |
| R1 - R11 063 | R1,719 | R1,719 | R779 |
| R11 064 - R15 617 | R1,971 | R1,971 | R931 |
| R15 618 - R21 651 | R2,453 | R2,453 | R966 |
| R21 652+ | R4,052 | R4,052 | R1,281 |

Fedhealth MyFED Plan Benefits and Cover Comprehensive Breakdown
MyFED Supercharged Hospital Plan and In-hospital benefits
This benefit includes all hospital-based treatments and procedures covered by the myFED option.| π Overall Annual Limit (OAL) | No overall annual limit |
| π Hospitalization Includes the following: Accommodation in a general ward, high-care ward, and intensive care unit Theatre fees Medicine Material Hospital Apparatus | Fedhealth Hospitals offer unlimited. R2,710 co-payment for voluntary usage of non-network day surgical facilities. 30% co-payment on voluntary use of non-network mental health facilities will apply 25% co-payment on voluntary use of non-network substance abuse facilities |
| π °οΈ Healthcare Professional Tariff in-hospital (HPT) | - |
| Fedhealth Network GPs and Specialists | Unlimited cover. |
| π₯ Non-Network Specialists | Covered up to the Fedhealth Rate. |
| π΄ 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. |
| β€οΈ Hospitalisation Alternatives | - |
| β Nursing services Private nurse practitioners Nursing agencies | Unlimited according to PMB level of care. |
| π© Sub-acute facilities Physical Rehabilitation facilities | Unlimited according to PMB level of care. |
| π’ Ambulance Services | Unlimited cover using Europ Assistance |
| π Appliances, external accessories, and orthotics | Unlimited according to PMB level of care. |
| πͺ Blood, Blood Equivalents, and Blood Products | Unlimited cover. |
| π£ Immune Deficiency relating to HIV | Unlimited according to PMB level of care. |
| π Hospitalization | Unlimited according to PMB level of care. |
| βοΈ Anti-retroviral and related medication | Unlimited according to PMB level of care. |
| π¦ Related Pathology | Unlimited according to PMB level of care. |
| π΅ Maternity | Unlimited PMB treatment. There is an R15,950 co-payment for elective Caesarean sections |
| π ±οΈ Non-network GPs β’ Delivery by non-network GPs and specialists- Maternity | Covered up to the Fedhealth Rate. Limited to R2 730 per family per year |
| π Oncology | Covered up to PMB level of care at Designated Service Provider* and paid from Essential protocol. A 25% co-payment applies where a DSP provider is not used. Chemotherapy, as well as medicine and consumables directly associated with the treatment of cancer, should be obtained from the Oncology Pharmacy Network and in accordance to the oncology Preferred Product List (PPL) β non-use of these will result in a 25% co-paymen |
| π¨ Organ Transplants | Unlimited according to PMB level of care. |
| π‘ Pathology and medical technology | Unlimited cover provided. |
| π Physiotherapy | Unlimited at cost according to the PMB level of care. |
| π¦Ύ Internal and external prostheses and devices | Unlimited at cost according to the PMB level of care. |
| π§ Psychiatric Services | Unlimited at cost at PMB level of care |
| π Basic Radiology | Unlimited Cover. |
| π Specialized Radiology | R15 500 per family per year |
| π 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 where there is non-compliance with using a DSP. |
| π€§ Take-home medicine | Up to the MPL. Limited to 7 daysβ medication up to a maximum of R412 per hospital event |
MyFED Chronic Disease Benefits
Chronic disease coverage is unlimited (CDL).- β Addisonβs Disease
- β Asthma
- β Bipolar Mood Disorder
- β Bronchiectasis
- β Cardiac Failure
- β Cardiomyopathy
- β COPD/ Emphysema/ Chronic Bronchitis
- β Chronic Renal Disease
- β Coronary Artery Disease
- β Crohnβs Disease
π READ also: Top Medical aid Schemes for covering Motor Neurone Disease treatment
MyFED Screening and Prevention Benefits
- οΈ Menβs Health
- Prostate Specific Antigen (PSA):Β Male beneficiaries between 45 and 69, once every year.
- Health Risk Assessments
- Wellness screening (BMI, blood pressure, finger prick cholesterol & glucose tests):Β All β once every year.
MyFED Day-to-Day Benefits
| π Benefit | Limit |
| π©ββοΈ General Practitioners | No overall annual limit. |
| π¨ββοΈ Contracted GPs | Unlimited at nominated myFED contracted GP, subject to protocols and ultilisation monitoring after 10 visits per beneficiary per year. Each beneficiary can nominate up to 2 myFED contracted GPs. Limited to two mental health consultations per beneficiary per year. Up to 2 myFED contracted GP consultations per beneficiary for non-nominated GPs allowed per year (referred to as out-of-area) |
| βοΈ Uncontracted GPs | Limited to 2 consultations per beneficiary per year. |
| β Specialists | - |
| π©Ή Fedhealth Network Specialists | Two specialist consultations and R2,220 therapy per family every year. Contract GP referral required, or a 40% co-payment applies. |
| π¦· Basic Dentistry | Limited to recognized dental tariff codes, processes, and contractual dentists. Limited to one plastic denture set per beneficiary every two years. |
| π Female Contraception | The acute formulary covers contraceptives (oral and injections). |
| π§ Mental Health | Subject to the Fedhealth GP Benefit Limit. Limited to two mental health consultations per beneficiary using a nominated myFED contracted GP. |
| π€ Optometry | ISO Optometrists Network pays this benefit. Limited to a frame valued at R230 or R230 discount on any other frame. Single-vision or bifocal clear CR39 lenses. The benefit includes one comprehensive consultation. Beneficiaries receive this benefit for two years. |
| π€° Maternity | Ante- and postnatal consultations with a nominated myFED contracted GP, subject to protocols and utilisation monitoring after 10 visits per benefi ciary per year. Each benefi ciary can nominate up to two myFED contracted GPs β’ Ultrasound as per radiology benefi t β’ Post-natal midwifery benefit β’ Fedhealth myFED Baby Programme β a free programme for all expecting benefi ciaries offering support, advice and a free Fedhealth baby bag fi lled with baby goodies |
| π₯ Pathology | Unlimited but subject to basic protocols. Limited to a list of tests and procedures. A referral from a contracted medical practitioner is required. |
| π§ Prescribed Medication | - |
| π¨ From the Dispensing GP | Unlimited cover with the dispensing GP. |
| π© From a non-dispensing practitioner, such as a Fedhealth Network Specialist, GP, or Dentist | Unlimited. Subject to the acute formulary for all medical practitioners. |
| π¦ Basic Radiology | Subject to the basic protocols. Only covers specific tests and procedures. A referral from a contracted medical practitioner is mandatory. |
| πͺ Trauma treatment at a casualty ward | The unlimited cover is according to the Fedhealth rate. A co-payment of R880 applies per visit for non-PMB conditions or events. |
π You might like 5 Best Medical Aids under R1000

Fedhealth MyFED Plan Exclusions and Waiting Periods
MyFED Exclusions
Fedhealth MyFEDβs exclusions include, but are not limited to, the following exclusions:- π« Art Therapy
- π« Aromatherapy
- π« Herbalists
- π« Reflexology
- π« Therapeutic massage therapy
- π« Appliances, external accessories, and orthotics
- π« Blood, Blood Equivalents, and Blood Products
- π« Infertility
- π« Assisted Reproductive Technology or ART
- π« In-vitro Fertilization (IVF)
- π« Gamete Intrafallopian Tube Transfer (GIFT), and more.
- π« Maternity
- π« 3D and 4D scans
- π« More than 2 2D scans unless there is a motivation for an appropriate condition.
- π« Selected Medicine and Injectables
MyFED Waiting Periods
Fedhealth MyFED could typically have the following waiting periods depending on previous medical scheme cover, age, break in medical scheme cover etc:- 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.

Fedhealth MyFED Plan vs. Similar Plans from other Medical Schemes
| π Medical Aid Plan | π₯ Fedhealth MyFED (2026) | π₯ Medihelp MedMove! (2026) | π₯ Discovery Health Essential Dynamic Smart (2026) |
| π€ Main Member Contribution | R1,719 β R4,052 | R804 (Student) R1,734 (Main Member) | R1,565 |
| π₯ Adult Dependent Contribution | R1,719 β R4,052 | R1,734 | R1,565 |
| πΌ Child Dependent Contribution | R779 β R1,281 | R1,734 | R1,565 |
| π¦ Hospital Cover | Unlimited | Unlimited | Unlimited |
| πΆ Prescribed Minimum Benefits | βοΈ Yes | β Yes | βοΈ Yes |
| π Screening and Prevention | β Yes | βοΈ Yes | β Yes |
| β‘οΈ Day to Day Benefits | β Yes | None | None |
| βͺοΈ Chronic Conditions | β Yes | βοΈ Yes | β Yes |
| π Home Care | None | None | βοΈ Yes |
π READ more: 5 Best Hospital Plans under R500

Our Verdict on the Fedhealth MyFED Plan
π MyFED medical plan from Fedhealth is a good basic medical aid scheme plan offering its members various benefits and features. One of this planβs key advantages is covering various medical services, including hospitalization, chronic medication, and day-to-day medical expenses.
π Additionally, MyFED members have access to a network of healthcare providers whom Fedhealth has carefully selected to ensure that they offer high-quality care at affordable prices. Another advantage of the MyFED medical plan is that it offers members a range of wellness and preventative care benefits, such as free annual health screenings, flu vaccinations, and smoking cessation programs.
π These benefits can help members maintain their health and prevent the onset of chronic conditions, ultimately saving them money on healthcare costs in the long term. However, one of the potential disadvantages of the MyFED plan is that its benefits are not as comprehensive as they would like, particularly if they require more specialized medical services or treatments.
You might also consider the following options FedHealth has to offer:
- π Fedhealth FlexiFED 1
- π Fedhealth FlexiFED 2
- π Fedhealth FlexiFED 3
- π Fedhealth FlexiFED 4
- π Fedhealth Maxima EXEC
- π Fedhealth Maxima PLUS
- π Fedhealth FlexiFED Savvy