The MyFED plan offers affordable medical aid coverage for individuals with lower income. MyFED provides comprehensive in-hospital, chronic, screening, and day-to-day benefits.
The MyFED plan offers affordable medical aid coverage for individuals with lower income. MyFED provides comprehensive in-hospital, chronic, screening, and day-to-day benefits.
Tax Deductible:
Travel Cover:
MyFED
The MyFED plan offers affordable medical aid coverage for individuals with lower income. MyFED provides comprehensive in-hospital, chronic, screening, and day-to-day benefits.
The MyFED plan offers affordable medical aid coverage for individuals with lower income. MyFED provides comprehensive in-hospital, chronic, screening, and day-to-day benefits.
Tax Deductible:
Travel Cover:
Principle Member
From R19393
Dependant Member
From R16739
Child Dependant
From R5992
Maxima PLUS
The Maxima PLUS plan offers generous in-hospital coverage, an out-of-hospital expenses benefit, day-to-day savings, a threshold benefit, dentistry, internal and external prostheses benefit, screening, coverage for chronic conditions, and more.
The Maxima PLUS plan offers generous in-hospital coverage, an out-of-hospital expenses benefit, day-to-day savings, a threshold benefit, dentistry, internal and external prostheses benefit, screening, coverage for chronic conditions, and more.
Tax Deductible:
Travel Cover:
Maxima PLUS
The Maxima PLUS plan offers generous in-hospital coverage, an out-of-hospital expenses benefit, day-to-day savings, a threshold benefit, dentistry, internal and external prostheses benefit, screening, coverage for chronic conditions, and more.
The Maxima PLUS plan offers generous in-hospital coverage, an out-of-hospital expenses benefit, day-to-day savings, a threshold benefit, dentistry, internal and external prostheses benefit, screening, coverage for chronic conditions, and more.
Tax Deductible:
Travel Cover:
Principle Member
From R12273
Dependant Member
From R10653
Child Dependant
From R3792
Maxima EXEC
The Maxima EXEC plan offers comprehensive coverage for mature members, including day-to-day savings, in-hospital benefits, screening and prevention services, and a threshold benefit.
The Maxima EXEC plan offers comprehensive coverage for mature members, including day-to-day savings, in-hospital benefits, screening and prevention services, and a threshold benefit.
Tax Deductible:
Travel Cover:
Maxima EXEC
The Maxima EXEC plan offers comprehensive coverage for mature members, including day-to-day savings, in-hospital benefits, screening and prevention services, and a threshold benefit.
The Maxima EXEC plan offers comprehensive coverage for mature members, including day-to-day savings, in-hospital benefits, screening and prevention services, and a threshold benefit.
Tax Deductible:
Travel Cover:
Principle Member
From R7941
Dependant Member
From R7248
Child Dependant
From R2388
FlexiFED 4
The FlexiFED 4 plan offers reduced co-payments on several medical procedures, higher limits on oncology and organ transplants, extended early childhood benefits, maternity, advanced dentistry, and additional benefits.
The FlexiFED 4 plan offers reduced co-payments on several medical procedures, higher limits on oncology and organ transplants, extended early childhood benefits, maternity, advanced dentistry, and additional benefits.
Tax Deductible:
Travel Cover:
FlexiFED 4
The FlexiFED 4 plan offers reduced co-payments on several medical procedures, higher limits on oncology and organ transplants, extended early childhood benefits, maternity, advanced dentistry, and additional benefits.
The FlexiFED 4 plan offers reduced co-payments on several medical procedures, higher limits on oncology and organ transplants, extended early childhood benefits, maternity, advanced dentistry, and additional benefits.
Tax Deductible:
Travel Cover:
Principle Member
From R5785
Dependant Member
From R5300
Child Dependant
From R2051
FlexiFED 3
The FlexiFED 3 plan includes coverage for chronic conditions, screening benefits, improved maternity and childhood benefits, specialized drug benefits for childhood illnesses, and a Threshold benefit that becomes effective once day-to-day claims reach the required level.
The FlexiFED 3 plan includes coverage for chronic conditions, screening benefits, improved maternity and childhood benefits, specialized drug benefits for childhood illnesses, and a Threshold benefit that becomes effective once day-to-day claims reach the required level.
Tax Deductible:
Travel Cover:
FlexiFED 3
The FlexiFED 3 plan includes coverage for chronic conditions, screening benefits, improved maternity and childhood benefits, specialized drug benefits for childhood illnesses, and a Threshold benefit that becomes effective once day-to-day claims reach the required level.
The FlexiFED 3 plan includes coverage for chronic conditions, screening benefits, improved maternity and childhood benefits, specialized drug benefits for childhood illnesses, and a Threshold benefit that becomes effective once day-to-day claims reach the required level.
Tax Deductible:
Travel Cover:
Principle Member
From R4845
Dependant Member
From R4312
Child Dependant
From R1432
FlexiFED 2
The FlexiFED 2 plan provides extensive in-hospital coverage, along with screening and prevention services, as well as coverage for women’s and men’s health, maternity, dentistry, and other benefits.
The FlexiFED 2 plan provides extensive in-hospital coverage, along with screening and prevention services, as well as coverage for women’s and men’s health, maternity, dentistry, and other benefits.
Tax Deductible:
Travel Cover:
FlexiFED 2
The FlexiFED 2 plan provides extensive in-hospital coverage, along with screening and prevention services, as well as coverage for women’s and men’s health, maternity, dentistry, and other benefits.
The FlexiFED 2 plan provides extensive in-hospital coverage, along with screening and prevention services, as well as coverage for women’s and men’s health, maternity, dentistry, and other benefits.
Tax Deductible:
Travel Cover:
Principle Member
From R3062
Dependant Member
From R2401
Child Dependant
From R1122
FlexiFED 1
The FlexiFED 1 plan provides access to Fedhealth Savings which covers unexpected daily medical expenses, as well as a Threshold Benefit that becomes effective once you reach a certain claims threshold, among other benefits.
The FlexiFED 1 plan provides access to Fedhealth Savings which covers unexpected daily medical expenses, as well as a Threshold Benefit that becomes effective once you reach a certain claims threshold, among other benefits.
Tax Deductible:
Travel Cover:
FlexiFED 1
The FlexiFED 1 plan provides access to Fedhealth Savings which covers unexpected daily medical expenses, as well as a Threshold Benefit that becomes effective once you reach a certain claims threshold, among other benefits.
The FlexiFED 1 plan provides access to Fedhealth Savings which covers unexpected daily medical expenses, as well as a Threshold Benefit that becomes effective once you reach a certain claims threshold, among other benefits.
Tax Deductible:
Travel Cover:
Principle Member
From R1604
Dependant Member
From R1155
Child Dependant
From R849
FlexiFED Savvy
The FlexiFED Savvy plan offers affordable coverage for chronic benefits, unlimited private hospital admissions, screening and prevention services, day-to-day benefits, and various wellness programs.
The FlexiFED Savvy plan offers affordable coverage for chronic benefits, unlimited private hospital admissions, screening and prevention services, day-to-day benefits, and various wellness programs.
Tax Deductible:
Travel Cover:
FlexiFED Savvy
The FlexiFED Savvy plan offers affordable coverage for chronic benefits, unlimited private hospital admissions, screening and prevention services, day-to-day benefits, and various wellness programs.
The FlexiFED Savvy plan offers affordable coverage for chronic benefits, unlimited private hospital admissions, screening and prevention services, day-to-day benefits, and various wellness programs.
Starting from R1,604 per month on the flexiFed Savvy (2026). Additionally, Fedhealth offers 24/7 emergency support but does not offer inclusive gap cover. This is available optionally from various Gap Cover Providers.
🔎 Medical Aid
🥇 Fedhealth
📈 GCR Rating
AA-
📉 Market Share
3%
📊 Number of plans
8
📌 Number of members
Principal Members: 56,018
Beneficiaries: 100,357
📍 Chronic Illness Benefits
✅ Yes
Fedhealth Medical Aid Reviews from different sources
The Council for Medical Schemes regulates Fedhealth Medical Scheme. The Council governs South Africa’s medical plan business for Medical Schemes (CMS), a regulating body set up under the Medical Schemes Act, No. 131 of 1998 (the Act). The CMS is responsible for a range of tasks related to the oversight of medical insurance plans, such as:
💙 Responsible for registering medical aid plans and ensuring they comply with the law and other laws.
💙 Making sure medical schemes and their various plans have the money to pay claims.
💙 Examining and authorizing proposed price hikes for medical plans.
💙 Accepting and examining member complaints and initiating disciplinary action against medical plans that violate the Act or other applicable rules.
💙 Helping medical insurance plans follow the law and other laws.
Furthermore, if a medical scheme is found to violate the law, the CMS has the authority to issue administrative fines and penalties.
💙 As an individual who is young, healthy, and well-versed in digital technology, likely, you have recently begun your first job. At this stage in your life, procedures such as hip and knee replacements are unlikely to be a concern. FlexiFED Savvy offers you, as well as employers, who wish to provide their employees just entering the workforce with cost-effective medical aid, one of the most economically viable hospital plans on the market.
💙 This plan also offers an effective and highly adaptable flexible savings plan. It is important to note that this is not a traditional medical aid plan but a personalized and customizable option with a day-to-day backup plan.
Chronic Benefits
List of Chronic Diseases (CDL) means you receive limitless coverage for CDL-related disorders at Preferred Providers. In addition, the basic formulary and Medicine Price List (MPL) are applicable.
Members need to use a DSP pharmacy to obtain their chronic
medicine. DSP’s are: Dis-Chem Courier, Clicks Courier and Pharmacy Direct. Subject to a 25% co-payment for non-use of DSP
In-Hospital Benefits
Unlimited private network hospitalization over a vast hospital network ensures you are always covered.
Unlimited hospital coverage for network primary care physicians and specialists.
Unlimited virtual doctor visits and three in-person visits.
Screening Benefits
Get all the exams and healthcare evaluations you need to maintain your health as a savvy single.
Fedhealth covers a Pap smear (cervical cancer screening) one every three years for women between the ages of 21 and 65.
Enjoy a free flu shot once every year.
Per year, receive one free HIV finger-prick test.
Your annual wellness screening includes BMI, blood pressure, finger-prick cholesterol, and glucose testing.
“As a member of Fedhealth Medical Scheme, you are entitled to one annual preventative test with a contracted wellness network provider. This test includes evaluations of waist-to-hip ratio, body fat percentage, flexibility, posture, and fitness.
Day-to-Day Benefits
Female contraception: Fedhealth will cover oral and certain injectables provided by a general practitioner or gynecologist, but not those indicated for acne.
Fedhealth provides seven days of take-home medication per hospitalization at 100 percent of the Medicine Price List.
Fedhealth will pay for 30 days of follow-up care if hospitalization is necessary, including physical therapy, x-rays, and pathology.
Whether you are hospitalized or not, you will receive trauma care at a casualty department. Non-PMBs will be charged a co-payment of R880 for each visit if they are not admitted to the hospital directly from the emergency room.
Risk will provide you with unlimited specialized radiography at the PMB level of care if you obtain prior authorization from Fedhealth. Specialized outpatient radiology is subject to day-to-day benefits.
Additional Benefits
Upgrade to a higher choice within 30 days of a life-altering event, such as a pregnancy or the diagnosis of a life-threatening illness.
Call the Fedhealth toll-free Nurse Line 24 hours a day, 7 days a week, for expert medical and health advice from certified nurses.
Fedhealth endorses the GoSmokeFree Smoking Cessation Program to assist you in quitting smoking permanently.
MyFED is Fedhealth’s entry-level plan for low-income members or members without any health cover. This plan’s primary purpose is to provide you with the peace of mind that comes from knowing that your significant hospital bills are covered and that you only need to provide for your everyday medical requirements and expenses.
As the Medical Schemes Act requires, MyFED provides coverage for the whole Prescribed Minimum Benefits (PMB) Chronic Diseases List (CDL), which comprises a broad spectrum of over 270 diseases and 27 chronic conditions.
Medications for certain ailments and disorders are fully covered if you utilize DSPs. Fedhealth includes Clicks, Dis-Chem, MediRite, Clicks Direct Pharmaceuticals, Dis-Chem Direct, and Pharmacy Direct on its list of DSPs for medicines.
In-Hospital Benefits
When you utilize a hospital on the MyFED list of network hospitals, your hospital benefits are fully covered. Therefore, utilizing network hospitals and obtaining authorization for hospitalization is recommended because it will eliminate the need for co-payments and allow you to have unlimited annual limits.
Network GPs and specialists are fully covered, whereas non-network healthcare professionals are covered up to 100% of the Fedhealth rate, with a maximum per-beneficiary coverage of R2,220
Oncology coverage is regulated by the PMB level, is completely covered at a DSP, and is subject to Level 1 treatment protocols. If you do not utilize a DSP, you must pay a 25% co-payment.
Screening Benefits
Fedhealth’s screening benefit was designed to extend members’ daily benefits by paying more from Risk. Furthermore, it includes screenings for all stages of life. The Program provides men’s and general health screenings (like an annual flu vaccine). This benefit covers the tests and evaluations performed to assist members in preventing disease or treating existing illnesses.
Day-to-Day Benefits
MyFED primarily covers basic hospital benefits; you are expected to pay for your everyday medical bills out of pocket. However, in addition to other advantages, members receive unlimited access to contracted DSP General Practitioners (GPs) and up to two specialist appointments per year for a maximum of R2,730 per family. Furthermore, the referral must have come from the contracted physician.
Additional Benefits
The MyFED Baby Program is a free maternity program available to all pregnant members.
There are four postnatal consultations with a midwife.
The Federal Health Insurance Rate covers one hearing screening with an audiologist for infants.
FlexiFED 1 is an affordable hospital plan that provides comprehensive medical aid coverage. Access Fedhealth Savings powered by the MediVault to help cover unexpected day-to-day medical expenses, Furthermore, on this plan, you can enjoy a significant Threshold Benefit once your claims exceed a particular threshold.
Chronic Benefits
Even though this is a hospital plan, you are covered for the 27 chronic conditions on the Chronic Disease List (CDL).
This means you receive limitless coverage for CDL-related disorders at Preferred Providers. In addition, the basic formulary and Medicine Price List (MPL) are applicable.
In-Hospital Benefits
Unrestricted network hospitalization for your peace of mind should you require admission.
Unlimited maternity coverage at a cost, with GPs and specialists in a network.
Unlimited coverage for GPs and specialists in the network.
Coverage for non-network primary care physicians, specialists, and other healthcare providers up to the Fedhealth Rate.
Screening Benefits
Fedhealth covers a Pap smear (cervical cancer screening) every three years for women between the ages of 21 and 65.
Enjoy a free flu shot once every year.
Per year, members receive one free HIV finger-prick test.
Your annual wellness screening includes BMI, blood pressure, finger-prick cholesterol, and glucose testing.
As a member of the Fedhealth Medical Scheme, you are entitled to an annual preventive examination with a contracted wellness network provider. The examination includes measurement of waist-to-hip ratio, body fat percentage, flexibility, posture, and fitness evaluations.
Day-to-Day Benefits
You repay your Fedhealth Savings over a period of 12 months without interest.
All pregnant members and dependents are eligible to enroll in the Fedhealth Baby Program.
The Fedhealth postnatal midwifery package covers four outpatient and inpatient appointments with a midwife.
Fedhealth will cover up to R3 600 for each delivery for a doula.
Fedhealth will cover one audiology evaluation per infant up to the Federal Health Insurance Premium (including consultation).
You have access to the Paed-IQ assistance line for all pediatric-related inquiries.
Fedhealth will cover take-home medications for seven days for each hospitalization at the full list price.
Once discharged from the hospital, Fedhealth will pay for 30 days of follow-up care, including physical therapy, x-rays, and pathology.
You benefit from trauma care on a casualty ward whether you are hospitalized. However, non-PMBs will be charged a co-payment of R880 per visit if they are not admitted to the hospital directly from the emergency room.
Risk provides unrestricted access to specialized radiology if you have prior authorization from us. In addition, your account will get the initial R4,230 for non-PMB MRI/CT scans.
Fedhealth will cover oral contraceptives, patches, rings, certain injectables, and IUDs, including Mirena, for women, prescribed by a GP or a gynae, but not if prescribed for acne.
Additional Benefits
Within 30 days following a life-altering event, such as pregnancy or the diagnosis of a life-threatening illness, you are eligible to upgrade to a more expensive plan.
Call The Fedhealth toll-free Nurse Line 24 hours a day, 7 days a Fedhealth week, for expert medical and health advice from certified nurses.
The Fedhealth MediTaxi service drives you to post-hospitalization medical appointments (only in certain regions).
Utilize the Fedhealth free USSD call-back service, SOS Call Me, to contact Emergency Medical Services, the Fedhealth Nurse Line, and MediTaxi.
Join the Fedhealth 12-Fedhealth week Fedhealth weight Management Program supervised by biokinetics and dietitians if the stress of becoming an adult is causing you to gain Fedhealth weight.
Fedhealth will discuss the GoSmokeFree Smoking Cessation Program to assist you in quitting smoking permanently.
The Panda app, accessible via the Fedhealth Member App, provides Fedhealth members with mental health help.
FlexiFED 2 is the best option for a family hospital plan if you are starting as a parent, as it provides extensive maternity and childhood benefits. Add access to Fedhealth Savings for unanticipated day-to-day medical expenses and a useful Threshold Benefit that kicks in after your claims reach a particular threshold, and you want the best value for your money.
Chronic Benefits
Even though this is a hospital plan, you are covered for the 27 chronic conditions on the Chronic Disease List (CDL).
This means you receive limitless coverage for CDL-related disorders at Preferred Providers. In addition, the basic formulary and Medicine Price List (MPL) are applicable.
In-Hospital Benefits
Unrestricted network hospitalization for your peace of mind should you require admission.
Unlimited maternity coverage at a cost, with GPs and specialists in a network.
Network primary care physicians and specialists are also covered without restriction for non-maternity-related services.
The Fedhealth Rate covers non-network primary care physicians, specialists, and other healthcare providers.
Benefit from an R321 570 cancer benefit when you need it the most.
You also receive a specialized drug benefit for childhood illness for children under the age of 18.
Screening Benefits
Fedhealth covers a Pap smear (cervical cancer screening) every three years for women between the ages of 21 and 65.
Enjoy a free flu shot once every year.
Per year, members receive one free HIV finger-prick test.
Your annual wellness screening includes BMI, blood pressure, finger-prick cholesterol, and glucose testing.
As a member of the Fedhealth Medical Scheme, you are entitled to an annual preventive examination with a contracted wellness network provider. The examination includes measurement of waist-to-hip ratio, body fat percentage, flexibility, posture, and fitness evaluations.
Fedhealth will cover one PSA test annually for men aged 45 to 69.
Children’s immunizations from birth to age 12 (as mandated by the State EPI) are covered.
Fedhealth will cover a cholesterol screening (complete lipogram) once every five years for all individuals aged 20 and older.
HPV vaccine for all 9- to 14-year-old female enrollees. This benefit is limited to two dosages per life.
Day-to-Day Benefits
All pregnant members and dependents are eligible to enroll in the Fedhealth Baby Program.
The Fedhealth postnatal midwifery package covers four outpatient and inpatient appointments with a midwife.
Fedhealth will cover up to R3 600 for each delivery for a doula.
Fedhealth will cover one audiology evaluation per infant up to the Federal Health Insurance Premium (including consultation).
You have access to the Paed-IQ assistance line for all pediatric-related inquiries.
Fedhealth will cover take-home medications for seven days for each hospitalization at the full list price.
Once discharged from the hospital, Fedhealth will pay for 30 days of follow-up care, including physical therapy, x-rays, and pathology.
You benefit from trauma care on a casualty ward whether you are hospitalized. However, non-PMBs will be charged a co-payment of R880 per visit if they are not admitted to the hospital directly from the emergency room.
Risk provides unrestricted access to specialized radiology if you have prior authorization from us. In addition, your account will get the initial R3,050 for non-PMB MRI/CT scans.
Fedhealth will cover oral contraceptives, patches, rings, certain injectables, and IUDs, including Mirena, for women, prescribed by a GP, but not if prescribed for acne.
Additional Benefits
Within 30 days following a life-altering event, such as pregnancy or the diagnosis of a life-threatening illness, you are eligible to upgrade to a more expensive plan.
Call The Fedhealth toll-free Nurse Line 24 hours a day, 7 days a Fedhealth week, for expert medical and health advice from certified nurses.
The Fedhealth MediTaxi service drives you to post-hospitalization medical appointments (only in certain regions).
Utilize the Fedhealth free USSD call-back service, SOS Call Me, to contact Emergency Medical Services, the Fedhealth Nurse Line, and MediTaxi.
Join the Fedhealth 12-Fedhealth week Fedhealth weight Management Program supervised by biokinetics and dietitians if the stress of becoming an adult is causing you to gain Fedhealth weight.
Fedhealth will discuss the GoSmokeFree Smoking Cessation Program to assist you in quitting smoking permanently.
The Panda app, accessible via the Fedhealth Member App, provides Fedhealth members with mental health help.
FlexiFED 3 is the optimal plan for young, expanding families since it provides considerable maternity and childhood benefits for pregnancy, childbirth, and the hectic early childhood years. Furthermore, you can easily add access to Fedhealth Savings for unanticipated day-to-day medical expenses and a useful Threshold Benefit that kicks in once claims reach the appropriate level and your healthcare needs are met.
Chronic Benefits
Even though this is a hospital plan, you are covered for the 27 chronic conditions on the Chronic Disease List (CDL), plus an additional three.
This means you receive limitless coverage for CDL-related disorders at Preferred Providers. In addition, the basic formulary and Medicine Price List (MPL) are applicable.
This entails unrestricted coverage for diseases on the CDL, in addition to eczema, acne, and allergic rhinitis for children, with a provider of their choosing. In addition, the Intermediate Formulary and Medicines Price List (MPL) is applicable.
In addition, this medical aid option provides R3,300 per family for attention deficit hyperactivity disorder, depression, generalized anxiety disorder, and post-traumatic stress disorder.
In-Hospital Benefits
Unrestricted network hospitalization for your peace of mind should you require admission.
Unlimited maternity coverage at a cost, with GPs and specialists in a network.
Enjoy the privacy and tranquility of a private delivery room.
You are covered indefinitely at cost, so you will be covered as your children’s immune systems develop.
The Fedhealth Rate covers non-network primary care physicians, specialists, and other healthcare providers.
Benefit from an R360 850 cancer benefit when you need it the most.
You also receive a specialized drug benefit for childhood illness for children under the age of 18.
Screening Benefits
For women aged 21 to 65, Fedhealth will cover one pap smear (cervical cancer screening) every three years.
For men aged 45 to 69, Fedhealth will cover one Prostate-Specific Antigen (PSA) evaluation each year.
Get coverage for immunizations for your children from birth to age 12 (as per the State EPI).
Fedhealth will cover one cholesterol screening (complete lipogram) every five years for all family members over 20 years old.
Get a free flu shot once a year for every family member.
Once a year, Fedhealth will cover one HIV finger-prick test for every member.
One annual wellness check is provided to all members, which includes BMI, blood pressure, finger-prick cholesterol, and glucose tests.
A contracted wellness network provider will provide one preventative test annually, assessing your waist-to-hip ratio, body fat percentage, flexibility, posture, and fitness.
HPV vaccine for all 9- to 14-year-old female enrollees. This benefit is limited to two dosages per life.
Day-to-Day Benefits
All pregnant members and dependents are eligible to enroll in the Fedhealth Baby Program.
The Fedhealth postnatal midwifery package covers four outpatient and inpatient appointments with a midwife.
Fedhealth will cover up to R3 600 for each delivery for a doula.
Fedhealth will cover one audiology evaluation per infant up to the Federal Health Insurance Premium (including consultation).
You have access to the Paed-IQ assistance line for all pediatric-related inquiries.
Fedhealth will cover take-home medications for seven days for each hospitalization at the full list price.
Once discharged from the hospital, Fedhealth will pay for 30 days of follow-up care, including physical therapy, x-rays, and pathology.
You benefit from trauma care on a casualty ward whether you are hospitalized. However, non-PMBs will be charged a co-payment of R880 per visit if they are not admitted to the hospital directly from the emergency room.
Risk provides unrestricted access to specialized radiology if you have prior authorization from us. In addition, your account will get the initial R3,050 for non-PMB MRI/CT scans.
Fedhealth will cover oral contraceptives, patches, rings, certain injectables, and IUDs, including Mirena, for women, prescribed by a GP, but not if prescribed for acne.
Additional Benefits
Within 30 days following a life-altering event, such as pregnancy or the diagnosis of a life-threatening illness, you are eligible to upgrade to a more expensive plan.
Call The Fedhealth toll-free Nurse Line 24 hours a day, 7 days a Fedhealth week, for expert medical and health advice from certified nurses.
The Fedhealth MediTaxi service drives you to post-hospitalization medical appointments (only in certain regions).
Utilize the Fedhealth free USSD call-back service, SOS Call Me, to contact Emergency Medical Services, the Fedhealth Nurse Line, and MediTaxi.
Join the Fedhealth 12-Fedhealth week Fedhealth weight Management Program supervised by biokinetics and dietitians if the stress of becoming an adult is causing you to gain Fedhealth weight.
Fedhealth will discuss the GoSmokeFree Smoking Cessation Program to assist you in quitting smoking permanently.
The Panda app, accessible via the Fedhealth Member App, provides Fedhealth members with mental health help.
FlexiFED 4 provides adequate coverage for households with older children. In addition to full hospital coverage, it provides Fedhealth Savings for unanticipated day-to-day medical expenses and a Threshold benefit once a certain number of claims have been made. Furthermore, with a reliable medical aid plan, you can get peace of mind and the assurance that your family’s health is protected against life’s challenges.
Chronic Benefits
Obtain coverage for the 27 chronic conditions included on the Chronic Disease List (CDL), PLUS an extra 18 at a provider of your choosing.
This medical aid plan option is limited to R6,530 per beneficiary up to R13,170 per family; once the annual limits have been achieved after claiming medication for the 27 CDL ailments and the 18 extra conditions, coverage for CDL diseases is unlimited.
The Intermediate Formulary and Medicines Price List (MPL) are applicable.
In-Hospital Benefits
No yearly maximum for hospitalization exists, so you can rest easy knowing you’re protected no matter what.
You receive unlimited maternity coverage with network primary care physicians and specialists.
Network primary care physicians and specialists are covered at no limit.
Non-network primary care physicians, specialists, and other healthcare providers are covered up to the full Fedhealth Rate.
There is an R514,570 cancer benefit available should you require it.
You also receive a specialized drug benefit for childhood illness for children under the age of 18.
Screening Benefits
For women aged 21 to 65, Fedhealth will cover one Pap smear (cervical cancer screening) every three years.
For men aged 45 to 69, Fedhealth will cover one prostate-specific antigen (PSA) test annually.
Children’s immunizations are covered from birth to age 12 to protect them as they develop (per the State EPI).
Check your cholesterol levels: Fedhealth will cover one cholesterol screening (complete lipogram) every five years for everyone over 20.
Every member of your household is eligible for a free flu vaccination once per year.
Once a year, Fedhealth will cover one HIV finger-prick test for every member.
Every member receives one annual wellness exam, which includes BMI, blood pressure, finger-prick cholesterol, and glucose tests.
Find your fitness: All members receive one preventative screening per year from a contracted wellness network provider, including measurements of their waist-to-hip ratio, body fat percentage, flexibility, posture, and fitness.
HPV vaccine for all 9- to 14-year-old female enrollees. This benefit is limited to two dosages per life.
Day-to-Day Benefits
All pregnant members and dependents are eligible to enroll in the Fedhealth Baby Program.
The Fedhealth postnatal midwifery package covers four outpatient and inpatient appointments with a midwife.
Fedhealth will cover up to R3 600 for each delivery for a doula.
Fedhealth will cover one audiology evaluation per infant up to the Federal Health Insurance Premium (including consultation).
You have access to the Paed-IQ assistance line for all pediatric-related inquiries.
Fedhealth will cover take-home medications for seven days for each hospitalization at the full list price.
Once discharged from the hospital, Fedhealth will pay for 30 days of follow-up care, including physical therapy, x-rays, and pathology.
You benefit from trauma care on a casualty ward whether you are hospitalized. However, non-PMBs will be charged a co-payment of R880 per visit if they are not admitted to the hospital directly from the emergency room.
Risk provides unrestricted access to specialized radiology if you have prior authorization from us. In addition, your account will get the initial R3,050 for non-PMB MRI/CT scans.
Fedhealth will cover oral contraceptives, patches, rings, certain injectables, and IUDs, including Mirena, for women, prescribed by a GP, but not if prescribed for acne.
After reaching the Threshold Level, you will enjoy the following:
Once your claims reach a predetermined Threshold level, any additional claims will be paid from the Threshold Benefit, with a 20% co-payment for your account on all threshold benefit-paid claims (except claims for network specialists). Certain day-to-day costs are constrained.
Limit of 2 consults with out-of-networkGP per beneficiary paid from Threshold. Thereafter,consults with a non-network GP will be paid from Savings.
Mental health: a maximum of 2 mental health consults per beneficiary with a network GP will be paid from Risk before and after Threshold.
Additional Benefits
Within 30 days following a life-altering event, such as pregnancy or the diagnosis of a life-threatening illness, you are eligible to upgrade to a more expensive plan.
Call The Fedhealth toll-free Nurse Line 24 hours a day, 7 days a Fedhealth week, for expert medical and health advice from certified nurses.
The Fedhealth MediTaxi service drives you to post-hospitalization medical appointments (only in certain regions).
Utilize the Fedhealth free USSD call-back service, SOS Call Me, to contact Emergency Medical Services, the Fedhealth Nurse Line, and MediTaxi.
Join the Fedhealth 12-Fedhealth week Fedhealth weight Management Program supervised by biokinetics and dietitians if the stress of becoming an adult is causing you to gain Fedhealth weight.
Fedhealth will discuss the GoSmokeFree Smoking Cessation Program to assist you in quitting smoking permanently.
The Panda app, accessible via the Fedhealth Member App, provides Fedhealth members with mental health help.
Maxima EXEC provides good all-around coverage for senior members with children on the verge of leaving the nest. In addition to hospitalization, chronic care, screening, and extra benefits, it has a daily savings component and a Threshold benefit.
Chronic Benefits
Receive coverage for 56 chronic conditions covered by the full formulary. This benefit provides R8 130 per beneficiary each year, up to a maximum of R14,950 per family per year. Furthermore, the Fedhealth recommended vendors include MediRite, Clicks, Dis-Chem (as well as their respective courier pharmacies), and Pharmacy Direct.
In-Hospital Benefits
No yearly maximum for hospitalization exists, so you can rest easy knowing you’re protected no matter what.
Obtain unlimited maternity coverage if necessary.
Network primary care physicians and specialists are covered at no limit.
Non-network primary care physicians are covered by up to 100 percent of the Fedhealth Rate.
Coverage for non-network specialists is up to 200 percent of the Fedhealth Rate.
Other healthcare professionals are insured up to the Fedhealth Rate maximum of 100 percent.
Receive a substantial R643 340 oncology benefit.
Screening Benefits
For women aged 21 to 65, Fedhealth will cover one Pap smear (cervical cancer screening) every three years.
A PSA test is also covered annually for men aged 45 to 69.
Your health is your wealth: each member receives an annual wellness exam that includes BMI, blood pressure, finger prick cholesterol, and glucose tests.
Keep fit! A contracted wellness network provider provides all members with one yearly preventative screening covering waist-to-hip ratio, body fat percentage, flexibility, posture, and fitness.
HPV vaccine for all 9- to 14-year-old female enrollees. This benefit is limited to two dosages per life.
Day-to-Day Benefits
This refers to the funds you have readily available for routine medical needs such as doctor and dentist visits.
Once your medical savings are spent, Fedhealth will cover unlimited Fedhealth Network doctor visits.
The plan will pay for unlimited specialized radiology if you receive pre-approval from us. The initial charge of R3,050 for non-PMB MRI/CT scans will be sent to your account.
Once you are discharged from the hospital, Fedhealth will cover your follow-up care for 30 days, including physiotherapy, x-rays, and pathology.
Once your claims have reached the appropriate Threshold level, this option will continue to cover certain benefits.
Additional Benefits
Within 30 days of a life-altering event, such as pregnancy or the diagnosis of a feared disease, you can upgrade to a more expensive plan with us.
Have unique healthcare requirements? Join one of Fed health’s all-inclusive managed care programs.
The Panda app, accessible via the Fedhealth Member App, provides Fedhealth members with mental health help.
Want genuinely comprehensive medical insurance that leaves nothing to chance? Maxima PLUS provides comprehensive coverage for all aspects of your health, including extensive in-hospital and day-to-day coverage, screening benefits, chronic medication coverage, and more.
Chronic Benefits
Maximize your coverage for chronic conditions, with 70 chronic diseases subject to a complete formulary.
This benefit provides R17,220 per beneficiary per year, up to a maximum of R31,960 per family per year. MediRite, Clicks, Dis-Chem (and their courier pharmacies), and Pharmacy Direct are the Fedhealth preferred pharmacies.
In-Hospital Benefits
There is no yearly maximum for hospitalization, so you can rest easy knowing that you are protected no matter what.
Obtain unlimited maternity coverage if necessary.
Network primary care physicians and specialists are covered at no limit.
Non-network primary care physicians are covered by up to 100 percent of the Fedhealth Rate.
Coverage for non-network specialists is up to 200% of the Fedhealth Rate.
Other healthcare practitioners are covered by up to 300% of the Federal Health Insurance Premium.
Receive limitless oncology coverage.
In addition, you will receive an R402,500 specialized medication benefit.
Screening Benefits
For women aged 21 to 65, Fedhealth will cover one Pap smear (cervical cancer screening) every three years.
For men aged 45 to 69, Fedhealth will cover one prostate-specific antigen (PSA) test per year.
Prevention is the solution. Everyone above 20 should undergo a cholesterol test (complete lipogram) every five years.
If you’re over 65, you get one pneumococcal immunization per lifetime.
Between 50 and 75, one colorectal cancer screening is performed annually.
Every two years, women over 65 and males over 70 are covered for a bone densitometry screening.
Get an annual wellness examination that includes BMI, blood pressure, finger-prick cholesterol, and glucose testing.
Receive one preventive screening yearly from a contracted wellness network provider, including measurements of your waist-to-hip ratio, body fat percentage, flexibility, posture, and fitness.
HPV vaccine for all 9- to 14-year-old female enrollees. This benefit is limited to two dosages per life.
Day-to-Day Benefits
These are the cash you have readily available for routine medical needs, such as visits to the doctor or dentist. In addition, this all-inclusive coverage includes an Out-of-Hospital Expenses Benefit that kicks in once your yearly savings account is emptied. Available for daily expenditures:
Member of the OHEB: R10 630
Adult Dependent: R7 680
Child Dependent : R2 370
Other day-to-day benefits of this plan include the following:
On this all-inclusive plan, you receive unlimited Fedhealth Network doctor visits, which are always covered by your Risk and never your Savings.
Fedhealth will provide unlimited coverage for specialized radiology such as MRI and CT scans.
Fedhealth will cover take-home medications for seven days for each hospitalization at the full list price.
Receive coverage for 30 days of post-hospitalization care, including physiotherapy, x-rays, and pathology.
Available coverage for trauma treatment at a casualty ward at 100% of the Fedhealth Rate.
Furthermore, once your claims have reached the appropriate Threshold level, this option will continue to cover certain benefits. The threshold levels are as follows:
Member: R23,400
Adult Dependent: R18,250
Child Dependent : R6,390
Additional Benefits
Call Fedhealth’s 24-hour Emotional Wellbeing Program support line for assistance navigating life’s difficulties.
You can enroll in Fedhealth’s all-inclusive managed care programs if you have unique healthcare requirements.
Europ Assistance provides transportation and emergency response services if you have an emergency.
Fedhealth’s MediTaxi service drives you to post-hospitalization medical appointments (only in certain regions).
Utilize Fedhealth’s free USSD call-back service, SOS Call Me, to contact Emergency Medical Services, the Fedhealth Nurse Line, and MediTaxi.
The Panda app, accessible via the Fedhealth Member App, provides Fedhealth members with mental health help.
Fedhealth – Advantages over Competitors
Fedhealth Medical Scheme offers four options to choose from, all of which include the following benefits:
✅ Unlimited private hospital cover at any hospital.
✅ The ability to upgrade to a higher option within 30 days of a life-changing event, such as pregnancy or the diagnosis of a dread disease. This eliminates the need to join an expensive plan prematurely due to potential future concerns. Subject to waiting periods.
✅ A savings fund for day-to-day costs, with the unique feature that members only repay the savings they use once they have been spent. This is a feature not offered by other medical schemes.
✅ Alternatively, traditional savings plans are also available. Members receive their full savings upfront at the beginning of the year, and their premium remains the same.
✅ Safety net benefits, including unlimited network GP visits and basic dentistry once savings have been used.
✅ Certain procedures performed in a day clinic/doctor’s office, day ward, or outpatient hospital section are paid from the in-hospital benefit.
✅ Cover for 30 days of follow-up treatment (such as physiotherapy, occupational therapy, speech therapy, ultrasounds, general radiology, and pathology) after discharge from the hospital.
✅ The scheme pays for specialized radiology, including MRI/CT scans, both in and out of the hospital.
✅ Treatment at a clinic or hospital trauma unit or for injuries such as stitches and broken bones, whether the member is admitted to the hospital.
✅ A Hospital at Home service allows patients to receive active treatment for a specified period at home rather than in a general hospital ward while maintaining high-quality care.
✅ Great value maternity benefits.
✅ Childhood illness and specialized drug benefits for children up to 18 years old.
✅ Mental health benefits are particularly important in these trying times.
✅ Discounted premiums by using listed hospitals or accepting an excess on admission (except in emergencies).
✅ Child rates up to age 27 for students / 21 of age for children.
✅ Access to Female contraception.
✅ A screening benefit for tests and healthcare assessments to help prevent illness or control existing conditions.
Fedhealth offers a Medical Savings Account on these options:
FlexiFED Savvy
When used as a Supercharged Savings Plan, the FlexiFED Savvy is ideal for members who want a hospital plan but enjoy the idea of emergency savings. Like other plans, the member repays this daily benefit in equal monthly installments at the beginning of the year. In contrast to other programs, with the Supercharged Flexible Savings Plan, the member decides how much to save and only pays for the percentage they use over 12 months.
The maximum savings amounts offered on the FlexiFED Savvy are as follows:
Supercharged Savings Plan – R5,388 per year.
Annual Threshold Level – None.
FlexiFED 1
FlexiFED 1 : Annual day-to-day savings available to members
–
📌 Available for day-to-day
👤 Main Member
R5,508
👥 Adult Dependent
R4,320
☑️ Child Dependent
R2,016
FlexiFED 2
FlexiFED 2 : Annual day-to-day savings available to members
–
📌 Available for day-to-day
👤 Main Member
R8,724
👥 Adult Dependent
R7,764
☑️ Child Dependant
R2,580
FlexiFED 3
FlexiFED 3 : Annual day-to-day savings available to members
–
📌 Available for day-to-day
👤 Main Member
R10,415
👥 Adult Dependent
R9,540
☑️ Child Dependent
R3,696
FlexiFED 4
FlexiFED 4 : Annual day-to-day savings available to members
–
📌 Available for day-to-day
👤 Main Member
R16,200
👥 Adult Dependent
R14,784
✅ Child Dependent
R4,872
Maxima EXEC
–
📌 Annual Savings
📌 Self-Payment Gap
👤 Main Member
R12,528
R9,332
👥 Adult Dependent
R10,872
R5,208
☑️ Child Dependent
R3,864
R1,186
Maxima PLUS
–
📌 Annual Savings
📌 Self-Payment Gap
👤 Main Member
R7,728
R5,042
👥 Adult Dependent
R6,672
R3,898
☑️ Child Dependent
R2,388
R1,632
How to apply for Medical Aid with Fedhealth
Medical Aid Quote Fedhealth Medical Scheme process:
When applying for a medical aid plan like FedHealth, you must submit various personal information sets for yourself and your dependents. This application process enables the medical aid provider to determine whether you meet their eligibility criteria and can become a member. For most medical aid schemes, including Fedhealth, the following details are typically required:
📌 Personal information, including name, identification number, date of birth, preferred language, marital status, and contact details.
📌 Dependents, if applicable. Suppose you wish to add your spouse, children, or other family members to your medical aid plan. In that case, you will also need to provide their personal information.
📌 Previous medical coverage. You will need to provide details of any previous medical aid to which you or your dependents belonged.
📌 Medical conditions to declare. It is important to disclose any pre-existing medical conditions you or your dependents have, as failure to do so may limit or exclude you from certain benefits or result in termination of membership.
📌 Banking information. For the medical aid to process claims and debit your monthly contribution, you must provide your banking details and verify them with supporting documentation, such as a bank statement or letter from the account holder.
📌 Income information, if applicable. If you are joining an income-based option, you must provide your income information to determine your contribution.
📌 Once the application has been submitted, the medical aid scheme will review the information provided and decide on your membership.
✅ Many medical aid schemes in South Africa offer the option to apply online, making the process more efficient and convenient. Some schemes might require additional documentation to be submitted with the application.
✅ Therefore, it is important to follow the instructions provided on the application form to ensure smooth membership processing.
✅ New Members 35 years or older may be subject to late-joiner penalties on Fedhealth Medical Aid Plans.
Get a FedHealth Medical Aid quote from our Dedicated Medical Aid Specialists Broker
How to Submit a Claim with Fedhealth
As a member of Fedhealth, there are several methods by which claims can be submitted. These include:
✅ The Fedhealth Family Room: Members can log into the Family Room, select the “Quick Action” option from the drop-down menu, and choose “Submit Claim.” They can then enter the details of their claim and upload any relevant documents.
✅ WhatsApp service: Members can add the number 060 070 2479 to their contacts, type “hello” to initiate the conversation, and follow the prompts to submit their claim. They can also access the service by clicking on this link: https://wa.me/27600702479. They will be prompted to authenticate their identity with a unique OTP.
✅ Fedhealth Member App: Members can download the app from the Google Play or Apple App stores, register, and use it to look up the status of their claims and submit new claims.
✅ Email, fax, or mail: Members can also submit their claims via email or mail to the appropriate department.
How to Submit a Compliment or Complaint with Fedhealth
Compliments can be made directly to Fedhealth on their customer support channels. In addition, anyone dissatisfied with the operation of Fedhealth can file a complaint with the Council for Medical Schemes.
To switch from your present medical aid to Fedhealth Medical Aid, you must notify your current medical aid of canceling coverage. After advising your current medical plan of your desire to quit coverage, you can apply to FedHealth Medical Aid via their website or by completing the application procedures over the phone.
Fedhealth Customer Support
You can contact Fedhealth customer support through the following methods:
Phone: You can call their customer support hotline at 0861 002 353.
Email: You can email their customer support team at [email protected]
Website: You can visit their website at www.fedhealth.co.za and use their online contact form to send a message to their customer support team. You can also contact Fedhealth using the Live Chat on the website.
Social Media: You can also reach out to them on their social media handles like Facebook, Instagram, and Twitter for quick responses.
In-person: You can visit one of their branches to speak with a customer support representative.
I am deeply grateful for the assistance provided by Fedhealth Medical Scheme. After months of grappling with my chronic medication, I finally received my needed support. I extend my sincerest thanks to the entire team at Fedhealth. – Malaika Reese
Happy Member.
I am pleased to report that, as a member of the Hospital plan with the Fedhealth Medical Scheme, my husband was hospitalized for the first time in his life at 62. Thanks to the comprehensive coverage provided by the plan, we did not incur any expenses for the procedures performed during his stay. – Hanna Wheeler
Highly Recommended.
I cannot recommend Fedhealth highly enough. My family and I have compared various medical aid options, and the level of service and support provided by Fedhealth is truly exceptional. I have already convinced my mother and brother to join the scheme, and they are equally satisfied with their experiences. I extend my highest regard to myself and my husband. – Mina Hanson
Fedhealth Pros and Cons
✅ Pros
❎ Cons
Fedhealth offers flexible options, and upgrades are available throughout the year
Maxima Plus is expensive and has fewer benefits than lower options, such as Maxima EXEC
MyFED is suitable for those who want a flexible plan according to their income
There is a lack of cover for spinal surgery and rehabilitation
💙 According to our research, Fedhealth medical aid provides comprehensive coverage, encompassing emergency ambulance services, chronic disease benefits, and targeted programs for conditions like diabetes and cancer.
💙 A robust HIV disease management program is also part of their offering. They extend additional services such as the MediTaxi service, which offers transport for members unable to drive to follow-up appointments post-hospitalization.
💙 However, there are some limitations. Our research indicates that monthly contributions must be paid by the third day of each month, or cover is suspended.
Fedhealth is a leading medical scheme in South Africa that provides comprehensive health insurance to individuals and families.
How does Fedhealth compare to other medical schemes?
Fedhealth is known as an affordable medical aid providing comprehensive healthcare coverage. Therefore, it may be a good option for individuals seeking cost-effective healthcare solutions.
How can I contact Fedhealth customer support?
You can contact Fedhealth customer support by phone, email, or live chat through the Fedhealth website or mobile app.
What are the membership options available through Fedhealth?
Fedhealth offers a range of membership options to suit the needs of individuals and families, including FlexiFED 1, FlexiFED 2, Maxima EXEC, and several others.
What is Fedhealth in-hospital cover?
Fedhealth in-hospital cover provides benefits for medical treatment received while admitted to a hospital, such as surgery, consultations, and medication.
What are Fedhealth network providers?
Network providers are healthcare providers contracted with the medical aid scheme to provide services to members at agreed-upon rates, resulting in lower costs for members.
What is MediVault Fedhealth?
MediVault is an online platform that allows Fedhealth members to securely store and access their medical records and other important health information. This can include medical histories, test results, prescriptions, and other documentation related to their healthcare.
The Fedhealth Family Room is a client portal where you can submit and track claims, view your savings balance, submit, and track authorizations, view your available benefits, and locate a Fedhealth-approved provider.
When was Fedhealth medical aid founded?
Fedhealth was established in 1936.
Is there a Fedhealth hospital plan available?
flexiFED 1 is an affordable hospital plan that provides comprehensive medical aid coverage. With this plan, you can easily access Fedhealth Savings powered by the MediVault to help cover unexpected day-to-day medical expenses, enjoy a significant Threshold Benefit, and more.
Standard dentistry (extractions, fillings, etc.) and specialized dentistry make up the dental advantages of medical aid (implants, crowns, etc.). Furthermore, there are dental admissions treatments and orthodontic treatments for children. Fedhealth covers PMB conditions, but there might be some restrictions according to your plan.
How does Fedhealth medical aid work?
Members of a medical aid program, such as Fedhealth, pay a monthly premium or contribution into a “collective pot” controlled by the program. Moreover, this money is then used to pay out member medical claims.
Is Fedhealth a medical aid or hospital plan?
Fedhealth is a medical aid scheme that offers hospital plans and comprehensive medical cover.
How to Upgrade my Plan with Fedhealth?
It is possible to upgrade to a plan with more comprehensive benefits at any time throughout the year. However, this upgrade is only permitted upon diagnosis of a dread disease or in the event of a life-altering occurrence, such as pregnancy. In addition, the upgrade must take place within 30 days of the diagnosis and supporting medical documentation must be provided as evidence.
How do I add a Beneficiary to Fedhealth?
If you want to add a child or adult dependent, Members can contact Fedhealth to obtain the Fedhealth Member Record Amendment Form.
Adriaan Schoeman
Adriaan holds an MBA and specializes in medical aid research. With his commitment to perfection, he ensures the accuracy of all data presented on medicalaid.com every three months. When he is not conducting research, Adriaan can be found indulging in his passion for trout fishing amidst nature.
