Fedhealth Medical Aid Scheme (2026)

      Overall, Fedhealth offers 8 medical aid plans:  

• 💙 FlexiFED Savvy
• 💙 MyFED
• 💙 Maxima PLUS
• 💙 Maxima EXEC
• 💙 FlexiFED 4
• 💙 FlexiFED 3
• 💙 FlexiFED 2
• 💙 FlexiFED 1

    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.        

Fedhealth Medical Aid Reviews from different sources

       

Fedhealth Regulation

  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 aid 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.  

📌 Read more about the service and roles of CMS

     

Medical Aid Fedhealth Plan Overview

       

FlexiFED Savvy

 

Overview

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.  

💙 You might also like 5 Best Hospital Plans under R500

   

MyFED

 

Overview

  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.   💙 You might also like:  5 Best Medical Aids for Farm Workers in South Africa  

FlexiFED 1

   

Overview

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.  

💙 Discover what is a hospital plan

   

FlexiFED 2

   

Overview

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.  

FlexiFED 3

     

Overview

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.    

FlexiFED 4

   

Overview

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.  

💙 Consider reading more about: 10 Must-know Medical Aid Benefits

   

Maxima EXEC

   

Overview

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.    

Maxima PLUS

   

Overview

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.    

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.

 

📌 Read more about the Best Prepaid Medical Aid in South Africa.

       

Fedhealth Medical Savings Account

  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

     

FlexiFED 2

 

FlexiFED 2 : Annual day-to-day savings available to members

     

FlexiFED 3

 

FlexiFED 3 : Annual day-to-day savings available to members

     

FlexiFED 4

 

FlexiFED 4 : Annual day-to-day savings available to members

     

Maxima EXEC

   

Maxima PLUS

       

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.  

📌 Learn more about the Complains procedure of FedHealth

   

How to Switch My Medical Aid to Fedhealth

  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.

 

📌 A guide with all the necessary contact details of FedHealth 

     

Fedhealth vs Medshield vs Medihelp - A Comparison

    📌 You might like to know more about affordable medical aid that covers pregnancy immediately       You might also like the following comparisons between Fedhealth and other providers:  

• ✅ Fedhealth versus Sizwe Hosmed Medical Fund
• ✅ Fedhealth versus Medihelp
• ✅ Fedhealth versus Momentum Medical Scheme
• ✅ Fedhealth versus Medshield
• ✅ Fedhealth versus KeyHealth
• ✅ Fedhealth versus Bonitas
• ✅ Fedhealth versus Medimed

   

Fedhealth Member Reviews

  Excellent. 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

   

📌 Poll: 5 Best Medical Aids in South Africa for Young Adults

   

Our Verdict on Fedhealth

  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.  

📌 Discover the 5 Best Medical Aids under R1000

     

Fedhealth Frequently Asked Questions

 

What is Fedhealth?

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.  

Where can I view the Fedhealth plans?

You can visit the official Fedhealth website to view and compare different plans.  

What is the Fedhealth Family Room?

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.  

📌 You might also like: 5 Best Hospital Plans Under R3000 in South Africa

 

Does Fedhealth cover dentistry?

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.