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Fedhealth

MyFED

About this plan

πŸ₯‡ 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-Banner 2025

Fedhealth MyFED Plan ( πŸ‡ΏπŸ‡¦ 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.  
πŸ‘€ Main Member ContributionR1,719 – R4,052
πŸ‘₯ Adult Dependent ContributionR1,719 – R4,052
🍼 Child Dependent ContributionR779 – R1,281
β†ͺ️ Gap CoverOptional separately
➑️ Hospital CoverUnlimited
πŸ’™ Maternity Benefitsβ˜‘οΈ Yes
πŸ’Ά Prescribed Minimum Benefitsβ˜‘οΈ Yes
πŸ” Screening and Preventionβ˜‘οΈ Yes
🟦 Day to Day Benefitsβ˜‘οΈ Yes
πŸ”΅ Oncology CoverUnlimited for PMBs
  MyFed 2026

Fedhealth MyFED Plan - 7 Key Point Quick Overview

  1. β˜‘οΈ Fedhealth MyFED Plan Overview
  2. β˜‘οΈ Fedhealth MyFED Plan Contributions
  3. β˜‘οΈ Fedhealth MyFED Plan Benefits and Cover Comprehensive Breakdown
  4. β˜‘οΈ Fedhealth MyFED Plan Exclusions and Waiting Periods
  5. β˜‘οΈ Fedhealth MyFED Plan vs. Similar Plans from other Medical Schemes
  6. β˜‘οΈ Our Verdict on the Fedhealth MyFED Plan
  7. β˜‘οΈ Fedhealth MyFED Plan Frequently Asked Questions

Fedhealth MyFED Plan Overview

Our Overview on MyFed 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   Fedhealth MyFED Plan Overview

Fedhealth MyFED Plan Contributions

Fedhealth MyFED Contributions

 
πŸ’Ά Highest Household Monthly IncomeπŸ‘€ Main MemberπŸ‘₯ Adult Dependent🍼 Child Dependent (Max 3)
R1 - R11 063R1,719R1,719R779
R11 064 - R15 617R1,971R1,971R931
R15 618 - R21 651R2,453R2,453R966
R21 652+R4,052R4,052R1,281
  Fedhealth MyFED Plan Contributions

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.  
πŸ“Œ Overall Annual Limit (OAL)No overall annual limit
πŸ“ Hospitalization Includes the following: Accommodation in a general ward, high-care ward, and intensive care unit Theatre fees Medicine Material Hospital ApparatusFedhealth 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
πŸ…°οΈ Healthcare Professional Tariff in-hospital (HPT)-
Fedhealth Network GPs and SpecialistsUnlimited cover.
πŸŸ₯ Non-Network SpecialistsCovered up to the Fedhealth Rate.
πŸ”΄ 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.
❀️ Hospitalisation Alternatives-
βœ… Nursing services Private nurse practitioners Nursing agenciesUnlimited according to PMB level of care.
🟩 Sub-acute facilities Physical Rehabilitation facilitiesUnlimited according to PMB level of care.
🟒 Ambulance ServicesUnlimited cover using Europ Assistance
πŸ’š Appliances, external accessories, and orthoticsUnlimited according to PMB level of care.
πŸŸͺ Blood, Blood Equivalents, and Blood ProductsUnlimited cover.
🟣 Immune Deficiency relating to HIVUnlimited according to PMB level of care.
πŸ’œ HospitalizationUnlimited according to PMB level of care.
β˜‘οΈ Anti-retroviral and related medicationUnlimited according to PMB level of care.
🟦 Related PathologyUnlimited according to PMB level of care.
πŸ”΅ MaternityUnlimited PMB treatment. There is an R15,950 co-payment for elective Caesarean sections
πŸ…±οΈ Non-network GPs β€’ Delivery by non-network GPs and specialists- MaternityCovered up to the Fedhealth Rate. Limited to R2 730 per family per year
πŸ’™ OncologyCovered 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) – non-use of these will result in a 25% co-paymen
🟨 Organ TransplantsUnlimited according to PMB level of care.
🟑 Pathology and medical technologyUnlimited cover provided.
πŸ’› PhysiotherapyUnlimited at cost according to the PMB level of care.
🦾 Internal and external prostheses and devicesUnlimited at cost according to the PMB level of care.
🧠 Psychiatric ServicesUnlimited at cost at PMB level of care
πŸ“ˆ Basic RadiologyUnlimited Cover.
πŸ“‰ Specialized RadiologyR15 500 per family per year
πŸ“Š Renal Dialysis Consultations Visits All services, materials, and medicine associated with the cost of renal dialysisUnlimited PMB care at Designated Service Provider (DSP). A 40% co-payment will apply where there is non-compliance with using a DSP.
🀧 Take-home medicineUp to the MPL. Limited to 7 days’ medication up to a maximum of R412 per hospital event
   

MyFED Chronic Disease Benefits

Chronic disease coverage is unlimited (CDL).
  1. βœ… Addison’s Disease
  2. βœ… Asthma
  3. βœ… Bipolar Mood Disorder
  4. βœ… Bronchiectasis
  5. βœ… Cardiac Failure
  6. βœ… Cardiomyopathy
  7. βœ… COPD/ Emphysema/ Chronic Bronchitis
  8. βœ… Chronic Renal Disease
  9. βœ… Coronary Artery Disease
  10. βœ… Crohn’s Disease
Β Many more conditions listed....

πŸ’™ READ also: Top Medical aid Schemes for covering Motor Neurone Disease treatment

MyFED Screening and Prevention Benefits

  • ️ Men’s 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 – once every year.
Preventative screening (waist-to-hip ratio, body fat %, flexibility, posture & fitness):Β  All – once every year.    

MyFED Day-to-Day Benefits

 
πŸ”Ž BenefitLimit
πŸ‘©β€βš•οΈ General PractitionersNo overall annual limit.
πŸ‘¨β€βš•οΈ Contracted GPsUnlimited 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)
β˜‘οΈ Uncontracted GPsLimited to 2 consultations per beneficiary per year.
βœ… Specialists-
🩹 Fedhealth Network SpecialistsTwo specialist consultations and R2,220 therapy per family every year. Contract GP referral required, or a 40% co-payment applies.
🦷 Basic DentistryLimited to recognized dental tariff codes, processes, and contractual dentists. Limited to one plastic denture set per beneficiary every two years.
πŸ’— Female ContraceptionThe acute formulary covers contraceptives (oral and injections).
🧠 Mental HealthSubject to the Fedhealth GP Benefit Limit. Limited to two mental health consultations per beneficiary using a nominated myFED contracted GP.
πŸ€“ OptometryISO 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.
🀰 MaternityAnte- 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 – a free programme for all expecting benefi ciaries offering support, advice and a free Fedhealth baby bag fi lled with baby goodies
πŸŸ₯ PathologyUnlimited but subject to basic protocols. Limited to a list of tests and procedures. A referral from a contracted medical practitioner is required.
🟧 Prescribed Medication-
🟨 From the Dispensing GPUnlimited cover with the dispensing GP.
🟩 From a non-dispensing practitioner, such as a Fedhealth Network Specialist, GP, or DentistUnlimited. Subject to the acute formulary for all medical practitioners.
🟦 Basic RadiologySubject to the basic protocols. Only covers specific tests and procedures. A referral from a contracted medical practitioner is mandatory.
πŸŸͺ Trauma treatment at a casualty wardThe unlimited cover is according to the Fedhealth rate. A co-payment of R880 applies per visit for non-PMB conditions or events.
 

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Fedhealth MyFED Plan Benefits and Cover Comprehensive Breakdown

Fedhealth MyFED Plan Exclusions and Waiting Periods

MyFED Exclusions

  Fedhealth MyFED’s exclusions include, but are not limited to, the following exclusions:  
  • 🚫 Art Therapy
  • 🚫 Aromatherapy
  • 🚫 Herbalists
  • 🚫 Reflexology
  • 🚫 Therapeutic massage therapy
  • 🚫 Appliances, external accessories, and orthotics
  • 🚫 Blood, Blood Equivalents, and Blood Products
  • 🚫 Infertility
  • 🚫 Assisted Reproductive Technology or ART
  • 🚫 In-vitro Fertilization (IVF)
  • 🚫 Gamete Intrafallopian Tube Transfer (GIFT), and more.
  • 🚫 Maternity
  • 🚫 3D and 4D scans
  • 🚫 More than 2 2D scans unless there is a motivation for an appropriate condition.
  • 🚫 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 Exclusions and Waiting Periods

Fedhealth MyFED Plan vs. Similar Plans from other Medical Schemes

 
πŸ”Ž Medical Aid PlanπŸ₯‡ Fedhealth MyFED (2026)πŸ₯ˆ Medihelp MedMove! (2026)πŸ₯‰ Discovery Health Essential Dynamic Smart (2026)
πŸ‘€ Main Member ContributionR1,719 – R4,052R804 (Student) R1,734 (Main Member)R1,565
πŸ‘₯ Adult Dependent ContributionR1,719 – R4,052R1,734R1,565
🍼 Child Dependent ContributionR779 – R1,281R1,734R1,565
🟦 Hospital CoverUnlimitedUnlimitedUnlimited
πŸ’Ά Prescribed Minimum Benefitsβ˜‘οΈ Yesβœ… Yesβ˜‘οΈ Yes
πŸ“‰ Screening and Preventionβœ… Yesβ˜‘οΈ Yesβœ… Yes
➑️ Day to Day Benefitsβœ… YesNoneNone
β†ͺ️ Chronic Conditionsβœ… Yesβ˜‘οΈ Yesβœ… Yes
πŸ’™ Home CareNoneNoneβ˜‘οΈ Yes
 

πŸ’™ READ more: 5 Best Hospital Plans under R500

Fedhealth MyFED Plan vs. Similar Plans from other Medical Schemes

Our Verdict on the Fedhealth MyFED Plan

Our Verdict On MyFED plan πŸ’™ MyFED medical plan from Fedhealth is a good basic medical aid scheme plan offering its members various benefits and features. One of this plan’s key advantages is covering various medical services, including hospitalization, chronic medication, and day-to-day medical expenses.   πŸ’™ 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.   πŸ’™ 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:  

Fedhealth MyFED Plan Frequently Asked Questions

What is the MyFED medical plan from Fedhealth?

The MyFED medical plan from Fedhealth is a good, basic medical aid plan covering various medical services, including hospitalization, chronic medication, and day-to-day medical expenses.  

What are the advantages of the MyFED medical plan?

One of the key advantages of the MyFED medical plan is that it covers a wide range of medical services, including preventative care benefits such as free annual health screenings and flu vaccinations.  

Are there any disadvantages to the MyFED medical plan?

Several limitations apply to the MyFED plan because it is a basic plan aimed at low-income families in South Africa. Additionally, more advanced screenings and prevention, such as smoking cessation programs, are not available on MyFED.  

How can I sign up for the MyFED medical plan?

To sign up for the MyFED medical plan, visit the Fedhealth website or contact their customer service department. You will need to provide some personal and medical information and choose a plan that best suits your needs and budget.  

Does Fedhealth offer other healthcare coverage options besides the MyFED medical plan?

Yes, Fedhealth offers a range of healthcare coverage options to suit the needs and budgets of different individuals and families. These options include hospital, comprehensive, and savings plans, among others.  

Are there any discounts or promotions available for the MyFED medical plan?

Fedhealth does not offer discounts or promotions on the MyFED medical plan.
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