Overall, the Fedhealth FlexiFED 3 Medical Aid Plan is a trustworthy and comprehensive medical aid plan that offers 24/7 medical emergency assistance and enhanced maternity plus childhood benefits. The Fedhealth FlexiFED 3 Medical Aid Plan Medical Aid Plan starts from R3,236 on Elect option.
| 👤 Main Member Contribution | R3,236 – R4,320 |
| 👥 Adult Dependent Contribution | R2,968 – R3,957 |
| 🍼 Child Dependent Contribution | R1,148 – R1,531 |
| 🔁 Gap Cover | None |
| 📉 Annual Limit | Unlimited Hospital Cover |
| 🏥 Hospital Cover | Unlimited |
| 💶 Prescribed Minimum Benefits | ☑️ Yes |
| 🩺 Screening and Prevention | ☑️ Yes |
| ➡️ Medical Savings Account | ☑️ Yes |
| ☑️ Oncology Cover | R311,900 |
The Fedhealth FlexiFED 3 medical aid plan is one of 8, starting from R3,236 (elect), and includes chronic cover, screening benefits, enhanced maternity and childhood benefits, childhood illness specialized drug benefits, and a Threshold benefit once day-to-day claims reach the necessary level. Gap Cover is not included on the Fedhealth FlexiFED 3 Plan. 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 | 👥 M + AD | 🍼 M + AD + CD |
| R4,320 | R8,277 | R9,808 |
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| 🔎 Membership | 💶 FlexiFED 3 Contribution (GRID) | 📉 Annual Threshold Level |
| 👤 Main Member Only | R3,874 | R7,900 |
| 👥 Main + Adult | R7,427 | R13,700 |
| 🍼 Main + Adult + Child | R8,801 | R15,600 |
| 💙 Main + Adult + 2 Children | R10,175 | R18,400 |
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| 🔎 Member Option | 💙 FlexiFED 3 | 🔁 Annual Threshold | ☑️ Day-to-Day Available |
| 👤 Main Member Only | R4,420 | R7,000 | R7,488 |
| 👥 Main + Adult | R8,103 | R13,000 | R9,960 |
| 🍼 Main + Adult + Child | R9,710 | R14,800 | R13,104 |
| ☑️ Main + Adult + 2 Children | R11,261 | R17,400 | R15,576 |
| 🔎 Member Option | 💙 FlexiFED 3 (Elect) | 📉 Annual Threshold | ➡️ Available Day-to-Day | ⬇️ Total repayment to Fedhealth |
| 👤 Main Member Only | R3,236 | R7,900 | R11,810 | Total + Fedhealth savings used ÷ 12 |
| 👥 Main + Adult | R6,204 | R13,700 | R22,610 | Total + Fedhealth savings used ÷ 12 |
| 🍼 Main + Adult + Child | R7,352 | R15,600 | R27,360 | Total + Fedhealth savings used ÷ 12 |
| ➡️ Main + Adult + 2 Children | R8,500 | R18,400 | R31,550* | Total + Fedhealth savings used ÷ 12 |
| 🔎 Overall Annual Limit (OAL) | Unlimited cover at the negotiated tariff. FlexiFED 3 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) Unlimited at negotiated tariff. R2 630 co-payment on voluntary use of non-network day surgery facilities On flexiFED 3GRID members must use network hospitals. There is a R15 470 co-payment on use of non-network hospitals. There is a R2 630 co-payment on use of non-network day surgery facilities. On flexiFED 3Elect there is a R15 470 excess on all hospital admissions except emergency admissions |
| 🏥 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 | Unlimited cover at the negotiated tariff. A private ward will be covered for maternity admissions if available at 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 R350,000 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, and more. | Limited to R28,000 per year. |
| 🩹 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 advantage without Conservative Back & Neck Rehabilitation Programme. The hospital co-payment is R10,000. |
| 🖤 Terminal Care Benefit | Limited to R34,500 per family per year. |
Members of the Fedhealth FlexiFED 3 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. |
| 🟨 Back & neck procedures | R5,260 per event. |
| 🟩 Colonoscopy, upper GI endoscopy | R5,370 per event. |
| 🟦 Hysterectomy (unless for cancer) | TBA |
| 🟪 Inguinal hernia surgery | R5,730 per event. |
Joint Replacement Co-Payments
| 🟥 Laparoscopic hernia repairs (bilateral inguinal, repeated inguinal hernias & Nissen/ Toupet hernia repairs only), laparoscopic procedures | R7,940 per event. |
| 🟧 Single hip and knee replacement (voluntary non-use of a CP) | R35,240. |
| 🟨 Other joint replacements (voluntarily non-use of CP) for single hip and knee replacements | R8,460 per event. |
| 🟩 Laparoscopic varicocelectomy | R7,940 per event. |
| 🟦 Spinal Surgery | R10,000 per event. |
| 🟪 Surgical extraction of impacted wisdom teeth | R5,730 per event. |
| 🟥 Varicose vein procedures | R5,370 per event. |
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Internal Prostheses:
| 🅰️ Aorta Stent Grafts | Limited to R65,500. |
| 🅱️ Bone lengthening devices, carotid stents, embolic protection devices, and other approved spinal implantable devices and intervertebral discs, peripheral arterial stent-grafts, spinal plates, and screws | Covered under the combined benefit limit for all unlisted internal prostheses |
| 📌 Cardiac pacemakers, cardiac stents, cardiac valves | Unlimited at cost per the PMB level of care. |
| 📍 Detachable platinum coils | Limited to R56,700. |
| 🩸 Elbow, hip, knee, and shoulder replacement | Covered under the combined benefit limit for all unlisted internal prostheses |
| ❤️ Intraocular lenses (per lens) | Limited to R3,500. |
| 🟥 Combined benefit limit for all unlisted internal prosthesis | R27,900 |
and many more….
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| 🔍 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 For example: Acupuncture Homoeopathy | Covered from available savings or must be funded by the member. Will accumulate at the cost to the Threshold level. |
| 🅰️ Additional Medical Services For example: Audiology Dietetics Genetic Counselling | Covered from available savings or must be funded by the member. Will accumulate at the cost to the Threshold level. |
| 🅱️ Advanced Dentistry For example: Inlays Crowns Bridges | 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 | Each beneficiary can nominate up to 2 Network GPs. Pre Threshold: Consults with a nominated Network GP will be paid from Savings and accumulate at cost to your Threshold level. Consults at a network GP (not the nominated one) will be paid from Savings and accumulate to Threshold at cost. Enjoy unlimited mental health consults in- or out-of-network pre Threshold – these will be paid from Savings. In Threshold: Unlimited nominated Network GP benefit. Consults will be subject to a 20% co-payment in Threshold. Mental health: maximum of 2 mental health consults per beneficiary with a network GP will be paid from Threshold benefit. We pay for 2 consults for non-nominated or non-network GPs once in Threshold. |
| 👨⚕️ Non-network GPs | Pre Threshold: Consults with out-of-network GPs will be paid from Savings but will accumulate to Threshold level at cost. In Threshold: Limit of 2 consults with an out-of-network or non-nominated GP per beneficiary paid from Threshold. Thereafter, consults with a non-network GP will be paid from Savings. Mental health consults with a non-network GP will not be paid from Threshold benefit, but from Savings. |
| 🤰 Maternity | Enhanced maternity benefit also includes Private Ward cover and 12 ante/postnatal consults with midwife, network GP or Gynae PLUS many more |
| 📈 Scans | Two 2D Scans |
| 📉 Antenatal Classes | Limited up to R1,160. |
| 📊 Antenatal and Postnatal Consultations | Twelve consults with a midwife, network GP or gynecologist |
| ✔️ Amniocentesis | The test is included in the benefit. |
| Fedhealth Baby Programme | Pregnant Fedhealth members and beneficiaries receive free support, guidance, and a baby pack. |
| 🍼 Doula Benefit | Fedhealth pays up to R3,600 per delivery for a doula. |
| 👶🏻 Postnatal Midwifery Benefit | Four consultations with a midwife in and out-of-hospital. |
| 💙 Pediatric Consultations | One consultation per beneficiary. For children up to 2 years. A network pediatrician must be used, and referral is not necessary. |
| 🦻 Infant hearing Screening Benefit | Includes a screening test from birth up to 8 weeks. Covered up to the Fedhealth Rate. |
| 💊 Childhood Illness Specialised Drug Benefit | Fedhealth covers specialized drugs for children up to 18. |
| 🤓 Optometry | Covered from available savings or must be funded by the member. Will accumulate at a cost to the Threshold level. |
| 🚩 Over-the-Counter Medication | Covered from available savings or must be funded by the member. Will accumulate at a cost to the Threshold level. |
| ☑️ Pathology | Covered from available savings or must be funded by the member. Will accumulate at a cost to the Threshold level. |
| 🏈 Physical Therapy | Covered from available savings or must be funded by the member. Will accumulate at a cost to the Threshold level. |
| 💊 Prescribed Medication | Covered from available savings or must be funded by the member. Will accumulate at a cost to the Threshold level. |
| ⚠️ Basic Radiology | Covered from available savings or must be funded by the member. Will accumulate at a 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 a cost to the Threshold level. |
| 🟥 Non-network Specialists | Covered from available savings or must be funded by the member. Will accumulate at a 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 a cost to the Threshold level. |
| 🟩 Non-network Psychiatrists | Covered from available savings or must be funded by the member. Will accumulate at a cost to the Threshold level. |
Fedhealth offers all FlexiFED 3 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. Three follow-up doctor visits and two follow-up social worker consultations are also provided yearly to support the member throughout their treatment. |
| 💙 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, and Bloemfontein, 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. |
| ⏰ 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. |
Fedhealth FlexiFED 3’s exclusions include, but are not limited to, the following:
Fedhealth FlexiFED 3 could apply the following waiting periods:
| 🔎 Medical Aid Plan | 🥇 Fedhealth FlexiFED 3 (20250 | 🥈 Momentum Custom Plan | 🥉 Discovery Health Classic Core (2025) |
| 👤 Main Member Contribution | R4,320 | R2,580 | R3,652 |
| 👥 Adult Dependent Contribution | R3,957 | R3,176 | R2,882 |
| 🍼 Child Dependent Contribution | R1,531 | R2,449 – R6,573 | R1,461 |
| 🏥 Hospital Cover | Unlimited | Unlimited | Unlimited |
| 📉 Annual Limit | ☑️ Yes | None | ☑️ Yes |
| 🟦 Gap Cover | None | ☑️ Yes | ☑️ Yes |
💙 Fedhealth FlexiFED 3 is an advanced medical aid plan that offers its members a range of comprehensive benefits. This plan provides extended maternity and early childhood cover, including pediatric consults, infant hearing screening, and eight additional chronic disease list (CDL) conditions. FlexiFED 3 also provides higher limits for psychiatric care, which can benefit those with mental health conditions.
💙 However, one of the drawbacks of FlexiFED 3 is that members may face out-of-pocket expenses when their medical savings are depleted, which can add to the overall cost of healthcare. The plan also restricts members from using a limited network of hospitals for treatment, which could be inconvenient for those who prefer to use a specific hospital or live in an area without a network hospital.
💙 Compared to FlexiFED 1 and 2, FlexiFED 3 offers more advanced benefits, including extended maternity and early childhood cover and higher psychiatric limits. However, these benefits come at a higher cost, as the premium for FlexiFED 3 is significantly higher than that of FlexiFED 1 and 2. FlexiFED 3 offers limited oncology benefits and some restrictions on hospital choice and co-payments for elective treatments.
You might also consider the following options FedHealth has to offer:
FlexiFED 3 is a medical aid plan offered by Fedhealth, which provides members with a range of benefits to meet their healthcare needs. In addition, it offers flexibility in terms of cover and contributions, allowing members to choose a plan that suits their budget and healthcare needs.
FlexiFED 3 offers a range of benefits, including hospital cover, chronic medication, day-to-day benefits, network providers, prescribed minimum benefits, a medical savings account, and more. However, gap cover is not included but available optional extra from various Gap Cover Providers.
The contributions for FlexiFED 3 depend on the level of cover selected by the member and other factors such as age and family size.
Yes, there could be waiting periods for some benefits under FlexiFED 3, such as pre-existing conditions and certain treatments. However, these waiting periods can be reduced or waived if the member has previously been on a medical aid scheme.
The medical savings account is a portion of the member’s monthly contribution for day-to-day medical expenses, such as GP consultations, medication, and dental and optical benefits. Furthermore, any unused funds in the medical savings account at the end of the year are carried over to the following year.
Yes, emergency medical services are covered under FlexiFED 3, including emergency transportation, treatment, and hospitalization.
To sign up for FlexiFED 3, visit the Fedhealth website or contact their customer service team. You will need to provide some personal and medical information and choose the level of coverage and contributions that best suits your needs.
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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