Overall, the Fedhealth FlexiFED 2 Medical Aid Plan is a trustworthy and comprehensive medical aid plan that offers 24/7 medical emergency assistance and dentistry benefits. The Fedhealth FlexiFED 2 Medical Aid Plan starts from R2,835 ZAR.
| 🔎 Medical Aid Plan | 🥇 Fedhealth FlexiFED 2 |
| 👤 Main Member Contribution | R2,835 – R3,787 |
| 👥 Adult Dependent Contribution | R2,534 – R3,370 |
| 🍼 Child Dependent Contribution | R842 – R1,118 |
| 📉 Annual Limit | Unlimited Hospital Cover |
| 💙 Hospital Cover | Unlimited |
The Fedhealth FlexiFED 2 medical aid plan is one of 8, starting from R2,835 on Elect option, and includes comprehensive in-hospital cover, screening and prevention, women’s and men’s health, maternity, dentistry, and additional benefits. Gap Cover is not included on the Fedhealth FlexiFED 2 Plan. However, Fedhealth offers 24/7 medical emergency assistance. According to the Trust Index, Fedhealth has a trust rating of 4.5.
Fedhealth offers 8 medical aid plans
💙 Download Fedhealth-flexifed-guide-2025 from Fedhealth.
| 👤 Main Member | 👥 +1 Dependent | 👥 +1 Child Dependent |
| R3,787 (Any Hospital) | R7,157 | R8,275 |
| 🔎 Membership | 💶 FlexiFED 2 Contribution | 📉 Annual Threshold Level |
| 👤 Main Member Only | R4,224 | R6,200 |
| 👥 Main + Adult | R7,814 | R11,300 |
| 🍼 Main + Adult + Child | R9,313 | R12,800 |
| 💙 Main + Adult + 2 Children | R10,759 | R16,400 |
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| 🔎 Member Option | ☑️ FlexiFED 2 (Elect) | 📉 Annual Threshold | 💙 Day-to-Day Available |
| 👤 Main Member Only | R3,272 | R6,200 | R5,240 |
| 👥 Main + Adult | R6,026 | R11,300 | R7,880 |
| 🍼 Main + Adult + Child | R7,249 | R12,800 | R12,450 |
| ➡️ Main + Adult + 2 Children | R8,419 | R16,400 | R16,390 |
| 🔎 Member Option | ☑️ FlexiFED 2 (GRID) | 📉 Annual Threshold | 🔁 Available Day-to-Day | ⬇️ Total repayment to Fedhealth |
| 👤 Main Member Only | R3,272 | R6,200 | R10,340 | Total + Fedhealth savings used ÷ 12 |
| 👥 Main + Adult | R6,026 | R11,300 | R19,560 | Total + Fedhealth savings used ÷ 12 |
| 🍼 Main + Adult + Child | R7,249 | R12,800 | R24,310 | Total + Fedhealth savings used ÷ 12 |
| ➡️ Main + Adult + 2 Children | R8,419 | R16,400 | R27,360* | Total + Fedhealth savings used ÷ 12 |
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| 💴 Overall Annual Limit (OAL) | Unlimited cover at the negotiated tariff. FlexiFED 2 covers admissions to any private hospital except for the following: Zuid-Afrikaans Hospital (Tshwane) Arwyp Medical Centre (Ekurhuleni) Busamed Modderfontein Private Hospital (Johannesburg) Hibiscus Hospital (Ugu) Mooimed Private Hospital (Dr. Kenneth Kaunda) Capital Hospital (Durban) Furthermore, emergency care is free, but elective procedures incur a co-payment of R8,840. |
| 📌 Healthcare Professional Tariff in-hospital (HPT) | – |
| 📍 Fedhealth Network GPs and Specialists | Unlimited cover. Accounts will be paid in full. |
| 🟥 Non-network GPs | Covered up to the Fedhealth Rate. |
| 🟧 Non-Network Specialists | Covered up to the Fedhealth Rate. |
| 👩⚕️ Other healthcare professionals | Covered up to the Fedhealth Rate. |
| ✔️ 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. |
| 🏥 Hospitalization Costs | The unlimited cover is according to the negotiated tariff. |
| ➡️ Additional medical services | Paid from Fedhealth savings or must be self-funded. The benefit will accumulate at cost towards the Threshold level. |
| 🚑 Hospitalisation Alternatives | – |
| 👩⚕️ Nursing services Private nurse practitioners Nursing agencies | Unlimited according to the negotiated tariff. |
| 👨⚕️ Sub-acute facilities Physical Rehabilitation facilities | Unlimited according to PMB level of care. |
| 🩺 Appliances, external accessories, and orthotics | Paid from Fedhealth savings or must be self-funded. The benefit will accumulate at cost towards the Threshold level. |
| 🩸 Blood, Blood Equivalents, and Blood Products | Unlimited cover. |
| ✳️ Immune Deficiency relating to HIV | Unlimited cover. |
| 🤰 Maternity | – |
| ☑️ Fedhealth Network GPs and Specialists | Unlimited and fully covered. |
| ✅ Non-network GPs and Specialists | Covered up to the Fedhealth Rate. |
| 📌 Other healthcare professionals | Covered up to the Fedhealth Rate. |
| 🦷 Dentistry | – |
| 😊 Maxillo-Facial Surgery | Unlimited cover. Subject to approval. |
| ➡️ Surgical extraction of impacted wisdom teeth | A co-payment of R5,730 is required. |
| 🔁 In-hospital dentistry benefits for child beneficiaries <7 | Fedhealth covers the hospital and anesthetist costs from the in-hospital benefit. The Fedhealth savings cover the dentist account, or the member must fund it. |
| 📌 Oncology | Limited to R311,900 at a designated service provider under the Essential protocol. Non-DSP users must pay a 25% co-payment. |
| ❤️ Organ Transplants | Limited to R311,900. |
| 📈 Pathology and Radiology (Basic) | Unlimited up to the Fedhealth Rate. |
| 📉 Physiotherapy | Pre-authorization and treatment regimens apply. Subject to referral by a medical practitioner. |
| 🧠 Psychiatric Services Accommodation in a general ward Procedures ECT Materials Hospital Equipment Consultations and Visits Medicines Injectable Material | Limited to R26,400 per year. (HPT) |
| 🅰️ Renal Dialysis Consultations Visits All services, materials, and medicine associated with the cost of renal dialysis | Limited to R311,900 up to the Fedhealth Rate at Designated Service Provider (DSP). A 40% co-payment will apply if a DSP is not used. |
| 🅱️ Childhood illness specialized drug benefit | Childhood sickness specialized drug benefit for children under 18. |
| 📊 Specialized Radiology | Unlimited at Fedhealth Rate. First R2 960 for non-PMB MRI/ CT scans for the member’s account Oncology PET and PET/CT scans – 2 PET scans per family per annum limited to the Oncology benefit subject to DSP network. R5 500 co-payment for use of non-DSP |
| ⚕️ Spinal Surgery | No benefit unless it is according to PMB level of care. |
| 💙 Terminal Care Benefit | Limited to R34,500 per family per year. |
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Members of the Fedhealth FlexiFED 2 plan must note that the following co-payments may apply according to the procedure performed. These co-payments are for the member’s account.
Co-payments per event applicable on hospital or facility account:
| 🟧 All open hernia surgery | R5,730 per event. |
| 🟨 Arthroscopic procedures – knee, shoulder, ankle, wrist, hip | R10,600 per event. Wrist and hip – No benefit Knee – No benefit unless PMB |
| 🟩 Back & neck procedures | R7,940 per event. |
| 🟦 Colonoscopy, upper GI endoscopy | R5,370 per event. |
| 🟪 Dental Admissions | No co-payment |
| 🟥 Hysterectomy (unless for cancer) | TBA |
| 🟧 Inguinal hernia surgery | R5,730 per event. |
| 🟨 Joint Replacement Co-Payments | – |
| 🟩 Laparoscopic hernia repairs | R7,940 per event. |
| 🟦 Laparoscopic varicocelectomy | R7,940 per event. |
| 🟪 Surgical extraction of impacted wisdom teeth | R5,730 per event. |
| 🟥 Varicose vein procedures | R7,940 per event. |
| 🟧 Tonsillectomy Co-Payments | – |
| 🟨 12 and over | TBA |
and many more….
| 📌 Tariff | Covered up to the Fedhealth rate. |
| 📍 Appliances, External Accessories, and Orthotics: For example: Hearing Aids Wheelchairs, etc. | In and out of the hospital: Fedhealth Savings or self-funding. Accumulates at cost until it reaches the Threshold level |
| ☑️ Alternative Healthcare Acupuncture Homoeopathy Naturopathy Osteopathy Phytotherapy | Covered from available savings or must be funded by the member. Will accumulate at the cost to the Threshold level. |
| ✅ Additional Medical Services Audiology Dietetics Genetic Counselling Hearing Aid Acoustics Occupational Therapy Orthoptics Podiatry Private Nursing Psychologists Social Workers Speech Therapy | Covered from available savings or must be funded by the member. Will accumulate at the cost to the Threshold level. |
| 🦷 Advanced Dentistry Inlays Crowns Bridges Mounted Study Models Metal Base Partial Dentures Oral Surgery Orthodontic Treatment Periodontists Prosthodontists Dental Technicians | Covered from available savings or must be funded by the member. Will accumulate at the cost to the Threshold level. |
| 🅰️ Osseo-integrated Implants and Orthognathic Surgery | Covered from available savings or must be funded by the member. Will accumulate at the cost to the Threshold level. |
| 🅱️ Basic Dentistry | Self-funded or paid from Fedhealth Savings. Fillings, extractions, and root canals are covered. When you hit your Threshold level, the following advantages will be paid from your Threshold benefit and will be available to each beneficiary: Two annual visits X-rays Scaling and polishing Contract dentists must be used, and procedures, dental tariff codes, and protocols are confined to a list of approved procedures, dental tariff codes, and protocols. |
| 💊 Fedhealth Network GPs | Paid from Fedhealth Savings, then unlimited visits to a selected network Physician after the Threshold is achieved. Each beneficiary may choose up to two network doctors. Each beneficiary is only allowed two mental health visits per year. Up to two out-of-area GP consultations per recipient per year are permitted. |
| 📈 Non-network GPs | Covered from available savings or must be funded by the member. Will accumulate at the cost to the Threshold level. |
| 🍼 Maternity | Covered from available savings or must be funded by the member. Will accumulate at the cost to the Threshold level. |
| 🤓 Optometry | Covered from available savings or must be funded by the member. Will accumulate at the cost to the Threshold level. |
| 💊 Over-the-Counter Medication | Covered from available savings or must be funded by the member. Will accumulate at the cost to the Threshold level. |
| 🧪 Pathology | Covered from available savings or must be funded by the member. Will accumulate at the cost to the Threshold level. |
| 👨⚕️ Physical Therapy | Covered from available savings or must be funded by the member. Will accumulate at the cost to the Threshold level. |
| 👩⚕️ Prescribed Medication | Covered from available savings or must be funded by the member. Will accumulate at the cost to the Threshold level. |
| 💉 Basic Radiology | Covered from available savings or must be funded by the member. Will accumulate at the cost to the Threshold level. |
| 📈 Specialists (excl. Psychiatrists) | Network GP referral is required for consults, including PMB conditions. The benefit is paid from Risk benefits. |
| 📉 Fedhealth Network Specialists | Covered from available savings or must be funded by the member. Will accumulate at the cost to the Threshold level. |
| 📊 Non-network Specialists | Covered from available savings or must be funded by the member. Will accumulate at the cost to the Threshold level. |
| ➡️ Specialists – Psychiatrists | Network GP referral is required for consults, including PMB conditions. The benefit is paid from Risk benefits. |
| ☑️ Fedhealth Network Psychiatrists | Covered from available savings or must be funded by the member. Will accumulate at the cost to the Threshold level. |
| 🧠 Non-network Psychiatrists | Covered from available savings or must be funded by the member. Will accumulate at the cost to the Threshold level. |
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Fedhealth offers all FlexiFED 2 Members access to additional programs, benefits, and initiatives as indicated below.
| 🔎 HIV Management | Fedhealth provides the AfA program to help HIV-positive members manage their illnesses. Besides paying essential drug and pathology claims, the benefits of being on the program include therapeutic and emotional assistance with strict secrecy. |
| 📌 Aligned | Fedhealth has teamed with Aligned to provide additional care to members suffering from critical illnesses such as advanced cancer. The benefit includes an initial consultation with a clinician trained in palliative care to examine their needs holistically. Counseling for the individual and their family is provided, as is establishing an advanced healthcare plan or living will. |
| 📍 Corporate Wellness Days | Corporate wellness days allow for the creation of awareness, education, prevention, screening, and targeted interventions that encourage good lifestyle changes. These days are well-received because having these services at work is convenient for Fedhealth members. In addition to the therapeutic benefits that wellness days can bring, they allow Fedhealth to market the Scheme to clients and potential clients. |
| 🍬 Diabetes Care | Fedhealth customers with diabetes can access a comprehensive program tailored to their specific needs and other chronic diseases. This involves ongoing access to a treating physician, authorized chronic medication, and blood and laboratory tests. |
| 🚑 Emergency Transport/Response | In an emergency, Fedhealth will provide emergency transportation to all members through the partner Europ Assistance. |
| ⚕️ Fedhealth Conservative Back and Neck Rehabilitation Program | Fedhealth has a well-established intervention for members experiencing back and neck pain. It is based on the notion of active muscle reconditioning and is supported by clinical research that indicates that exercise decreases discomfort and can restore function in many cases. The program offers qualifying participants customized treatment and takes a thorough and holistic approach to persistent back and neck pain. Following an initial assessment, recipients may get treatment twice a week for six weeks and a home-based long-term care protocol. |
| 🚩 GoSmokeFree Smoke Cessation Program | Fedhealth encourages smokers to join up for GoSmokeFree at 200 pharmacies nationwide, including Dis-Chem, Clicks, and independent pharmacies. Smokers receive an annual GoSmokeFree benefit from risk benefits. Pre-quit assessment, support, and a smoking cessation strategy are included. |
| 📊 Health Risk Assessments | This benefit identifies members at risk of lifestyle diseases. It helps them prevent or manage them with practical advice and Scheme advantages. Participating pharmacies and BASA biokinetics offer Health Risk Assessments. |
| 🏠 Hospital at Home | Fedhealth and Quro Medical’s technology-enabled Hospital at Home service offers in-patient care to patients’ homes, including real-time patient monitoring. Available in the Eastern Cape, Western Cape, Gauteng, Free State and Kwazulu-Natal, with further expansion planned. Fedhealth members can receive active treatment at home for a predetermined period without sacrificing care with this service. |
| ⚠️ MediTaxi | Fedhealth users with hospital authorizations in Cape Town, Johannesburg, Pretoria, and Durban can use MediTaxi. If they cannot drive after a medical procedure, members can use the 24/7 MediTaxi service to get to follow-up appointments. Limited to two annual return trips per member/beneficiary limited to a maximum of 50 km from point of pick-ip to point of drop-off.. |
| ⏰ 24-Hour Nurse line | The Fedhealth toll-free 24-hour service is staffed by nurses who can advise on medical crises, symptoms, medication side effects, stress management, and teen support. |
| 🅰️ Paed-IQ | Parents of children under 14 can call Paed-IQ 24/7 for advice. This service assists parents with healthcare-related childcare difficulties. |
| 🅱️ Sisters-on-Site | Fedhealth and SOS Corporate Wellness (Sisters-on-Site) provide nursing Sisters-on-Site to members’ workplaces. |
| 📲 SOS Call Me | Fedhealth members and their dependents receive free USSD callbacks. The service offers three options, including the following: Emergency Medical Services (EMS) Nurse Line MediTaxi |
| ➡️ Weight Management Program | Fedhealth members with high BMI and waist circumference can participate in the Weight Management Plan. Members reduce weight and enjoy healthier, more fulfilling lives through a 12-week biokinetics-led intervention plan with a nutritionist and psychologist. After the program, continuous assistance and advice are offered. |
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Fedhealth FlexiFED 2’s exclusions include, but are not limited to, the following :
Fedhealth FlexiFED 2 could apply the following waiting periods:
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| 🔎 Medical Aid Plan | 🥇 Fedhealth FlexiFED 2 (2025) | 🥈 Bestmed Beat 2 (2025) | 🥉 DH KeyCare Start Regional (2025) |
| 👤 Main Member Contribution | R3,787 | R2,869 | R1,184 |
| 👥 Adult Dependent Contribution | R3,370 | R2,228 | R1,184 |
| 🍼 Child Dependent Contribution | R1,118 | R1,208 | R713 |
| 📉 Annual Limit | Unlimited Hospital Cover | Several limits and sub-limits | Unlimited Hospital Cover |
| 💙 Hospital Cover | Unlimited | Subject to scheme rules | Network Hospital in the member’s region only – Unlimited |
💙 FlexiFED 2 provides members with a range of benefits, including unlimited hospitalization at any private hospital in South Africa, covering chronic medication, and accessing a network of healthcare providers. While the plan offers many benefits, it also comes with a higher premium, which may not be affordable for everyone.
💙 One of the critical features of FlexiFED 2 is its oncology benefit, which covers both in-hospital and out-of-hospital treatment for cancer. This benefit is significant given the high cost of cancer treatment in South Africa, which can quickly deplete a person’s medical savings account. Furthermore, the plan also provides cover for day-to-day medical expenses, including doctor consultations, pathology tests, and medication.
💙 However, some limitations associated with the FlexiFED 2 plan may impact its suitability for certain individuals. For example, the plan restricts members to make use of designated network of hospitals for treatment, which could be problematic for those who prefer to use a specific hospital or live in an area without a network hospital.
💙 In addition, when using out-of-network hospitals, members must pay a co-payment for specific elective treatments, which could add to the overall cost of healthcare. Furthermore, there are several co-payments for treatments provided at DSP hospitals. When comparing FlexiFED 2 to FlexiFED 1, the main difference between the two plans is the higher level of benefits provided by FlexiFED 2. However, this higher level of benefits comes at a cost, as the premium for FlexiFED 2 is significantly higher than that of FlexiFED 1. Furthermore, FlexiFED 1 offers unlimited coverage for oncology and several other essential services.
💙 Overall, Fedhealth FlexiFED 2 is a comprehensive medical aid plan that provides members access to various benefits, including unlimited hospitalization and chronic medication coverage. While the plan offers a high level of benefits, it also comes with a relatively high premium and restrictions on hospital choice and co-payments for elective treatments. Therefore, individuals considering this plan should carefully weigh the benefits and drawbacks to determine whether it is the right option for their healthcare needs and budget.
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Fedhealth FlexiFED 2 is a comprehensive medical aid plan offered by Fedhealth, a South African medical scheme.
FlexiFED 2 covers a range of benefits, including unlimited hospitalization, chronic medication coverage, access to a network of healthcare providers, and comprehensive oncology benefit for cancer treatment.
FlexiFED 2 restricts members to using a designated network of hospitals for treatment. You can check the list of network hospitals on Fedhealth’s website.
Yes, FlexiFED 2 covers elective treatments, but members must pay a co-payment for specific procedures.
FlexiFED 2 starts from R2,835 for the main member, R2,534 per adult, and R842 per child dependent. However, the cost will depend on whether you choose the Supercharged Hospital, Supercharged Savings, or Supercharged Flexible Savings Plan.
FlexiFED 2 covers a range of chronic conditions, including diabetes, hypertension, and asthma. You can check the complete list of covered conditions in our review and Fedhealth’s website.
Yes, you can add dependents to your FlexiFED 2 plan, including spouses, children, and other eligible family members.
Answer: You can submit a claim for medical expenses online through Fedhealth’s website or by filling out a claim form and submitting it via email or post.
The waiting period for pre-existing conditions with FlexiFED 2 is 12 months unless you have been a member of a previous medical scheme for two years or more.
Yes, you can switch from another medical scheme to FlexiFED 2, subject to Fedhealth’s eligibility criteria and waiting periods.
Answer: Yes, FlexiFED 2 covers certain dental or optical expenses. Furthermore, Fedhealth offers optional add-on benefits for these services and other plans that cover this.
The is no maximum age set.
No, FlexiFED 2 does not cover international travel, but Fedhealth offers optional travel insurance for members.
Yes, members of FlexiFED 2 can access Fedhealth’s wellness program, which includes health assessments, screenings, and lifestyle coaching.
You can cancel your FlexiFED 2 plan by submitting a written request to Fedhealth by email or post. The cancellation will take effect at the end of the current month, subject to a notice period.
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.
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