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Fedhealth FlexiFED Savvy Plan (🇿🇦 2026)

Overall, the Fedhealth FlexiFED Savvy Medical Aid Plan is a trustworthy and comprehensive medical aid plan that offers 24/7 medical emergency assistance and cost-effective cover for chronic benefits to up to 3 Family Members. The Fedhealth FlexiFED Savvy Hospital Plan starts from R1,155 ZAR.

🟨 FlexiFed Savvy Hospital Plan
👤 Main Member Contribution	R1 155
👥 Adult Dependent Contribution	R1 155
🍼 Child Dependent Contribution	R849

🟪 FlexiFed Savvy Savings Plan
👤 Main Member Contribution	R1 604
👥 Adult Dependent Contribution	R1 155
🍼 Child Dependent Contribution	R849

🔁 Gap Cover	None
📉 Annual Limit	Unlimited Hospital Cover
🏥 Hospital Cover	Unlimited
🦷 Dentistry Benefit	Only in Hospital
💶 Prescribed Minimum Benefits	☑️ Yes
🩺 Screening and Prevention	☑️ Yes
➡️ Medical Savings Account	☑️ Yes
☑️ Oncology Cover	Unlimited at cost at PMB level of care at designated service provider and paid at Essential protocol. 25% co-payment applies where DSP provider is not used. Chemotherapy, as well as medicine and consumables directly associated with treatment of cancer, should be obtained from Oncology Pharmacy Network and in accordance to the oncology Preferred Product List (PPL) – non-use of these will result in 25% co-payment.

Fedhealth FlexiFED Savvy Plan – 7 Key Point Quick Overview

✅ Fedhealth FlexiFED Savvy Plan Overview
✅ Fedhealth FlexiFED Savvy Plan Contributions and Medical Savings
✅ Fedhealth FlexiFED Savvy Plan Benefits and Cover Comprehensive Breakdown
✅ Fedhealth FlexiFED Savvy Plan Exclusions and Waiting Periods
✅ Fedhealth FlexiFED Savvy Plan vs. Similar Plans from other Medical Schemes
✅ Our Verdict on the Fedhealth FlexiFED Savvy Plan
✅ Fedhealth FlexiFED Savvy Plan Frequently Asked Questions

Fedhealth FlexiFED Savvy Plan Overview

The Fedhealth FlexiFED Savvy medical aid plan is one of 8, starting from R1,155 (Hospital Plan), and includes cost-effective cover for chronic benefits, unlimited private hospital admissions, screening and prevention, day-to-day benefits, and several wellness programs.

Gap Cover is not available on the Fedhealth FlexiFED Savvy 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:

🔎 FlexiFED Savvy
🔎 MyFED
🔎 Maxima PLUS
🔎 Maxima EXEC
🔎 FlexiFED 4
🔎 FlexiFED 3
🔎 FlexiFED 2
🔎 FlexiFED 1

Fedhealth FlexiFED Savvy Plan Contributions and Medical Savings

FlexiFED Savvy Contributions

FlexiFed Savvy Hospital Plan	👤 Main Member	👥 Dependent	👥 1 Child Dependent
🟩 flexiFed Savvy	R1,155	R1,155	R849

FlexiFed Savvy Savings Plan	👤 Main Member	👥 1 Dependent	👥 1 Child Dependent
🟨 flexiFed Savvy	R1,604	R1,155	R849

FlexiFED Savvy Savings (Per Main Member or Family)

🟦 Savvy Savings Plan	🔵 Principal member Adult and Child dependent
↪️ Yearly funds available	R5 388 for all family types

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Fedhealth FlexiFED Savvy Plan Benefits and Cover Comprehensive Breakdown

FlexiFED Savvy Supercharged Hospital Plan and In-hospital benefits

All hospitalization-required treatments and procedures included in the flexiFED plans are covered under this benefit.
Unless otherwise specified, annual restrictions apply to an entire household.

📉 Overall Annual Limit (OAL)	FlexiFED options don’t have an overall annual limit on the hospital benefit.
1️⃣ Healthcare Professional Tariff in-hospital (HPT)	Covered at Fedhealth Rate
2️⃣ Fedhealth Network GPs and Specialists	Unlimited virtual consultations and 3 face-to-face consultations per beneficiary paid from Risk
3️⃣ Non-network GPs	2 consultations per family, subject to the 3 face-to-face visits
4️⃣ Non-Network Specialists	Self-funded
➡️ 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. Only network hospitals can be used.
☑️ Additional medical services	Self-funded unless it is a PMB.
🟦 Hospitalization Alternatives	–
👩‍⚕️ Nursing services Private nurse practitioners Nursing agencies	Unlimited according to PMB level of care.
💙 Sub-acute facilities Physical Rehabilitation facilities	Unlimited according to PMB level of care.
🚑 Ambulance Services	Unlimited cover using Europ Assistance
🩺 Appliances, external accessories, and orthotics	Unlimited according to PMB level of care.
🩸 Blood, Blood Equivalents, and Blood Products	Unlimited cover.
🅰️ Immune Deficiency relating to HIV	Unlimited according to PMB level of care.
🅱️ Maternity	Pre-authorisation is required. Members will receive a handy Fedhealth Baby Bag once they’ve registered for the Baby Programme from their 12th week of pregnancy.
🚩 Fedhealth Network GPs and Specialists	Unlimited and fully covered.
📌 Non-network GPs and Specialists	Covered up to the Fedhealth Rate. Limited to R2,580 per family/year.
📍 Other healthcare professionals	Covered up to the Fedhealth Rate.
🦷 Dentistry	–
🥰 Maxillo-Facial Surgery	Unlimited cover. Subject to approval.
🔴 Oncology	Unlimited at cost at PMB level of care at designated service provider * and paid at Essential protocol. 25% co-payment applies where a DSP provider is not used. Chemotherapy, as well as medicine and consumables directly associated with the treatment of cancer, should be obtained from the Oncology Pharmacy Network and in accordance to the oncology Preferred Product List (PPL) – non-use of these will result in a 25% co-payment.
❤️ Organ Transplants	Unlimited according to PMB level of care.
📈 Pathology and Radiology (Basic)	Unlimited up to the Fedhealth Rate for non-DSP or DSP-negotiated rates.
🦾 Physiotherapy	Unlimited up to the Fedhealth Rate for non-DSP or DSP-negotiated rates.
🧠 Psychiatric Services Accommodation in a general ward Procedures ECT Materials and more.	Unlimited according to PMB level of care.
🧬 Renal Dialysis Consultations Visits All services, materials, and medicine associated with the cost of renal dialysis	Unlimited PMB care at Designated Service Provider (DSP).
⚕️ Specialized Radiology	Unlimited according to PMB level of care.
✅ Spinal Surgery	No benefit unless it is according to PMB level of care.
💖 Terminal Care Benefit	No benefit unless it is according to PMB level of care.

FlexiFED Savvy Chronic Disease Benefits

Chronic disease coverage is unlimited (CDL).
HIV/AIDS treatment for mother-to-child transmission, rape, and post-exposure prophylaxis is unlimited.

FlexiFED Savvy Chronic Disease List (CDL)

✅ Addison’s Disease
✅ Asthma
✅ Bipolar Mood Disorder
✅ Bronchiectasis
✅ Cardiac Failure
✅ Cardiomyopathy
✅ COPD/ Emphysema/ Chronic Bronchitis
✅ Chronic Renal Disease
✅ Coronary Artery Disease
✅ Crohn’s Disease

There are many more….

💙 Did you know that the Fedhealth FlexiFED Savvy is our second choice medical aid plan for farm workers ?

FlexiFED Savvy Screening and Prevention Benefits

General
Flu Vaccines – All once every year.
HIV finger-prick test – All once every year.

Women’s Health
Cervical Cancer Screening (Pap Smear) – Female beneficiaries between 21 and 65, once every three years

Health Risk Assessments
Wellness screening (BMI, blood pressure, finger prick cholesterol & glucose tests) – All, once every year.
Preventative screening (waist-to-hip ratio, body fat %, flexibility, posture & fitness) – All, once every year.

💙 READ more: 5 Best Hospital Plans under R300

FlexiFED Savvy Prothesis Benefits

External Prostheses – Unlimited according to PMB level of care.
Internal Prostheses – Unlimited according to PMB level of care.
Aorta Stent Grafts
Bone lengthening devices, carotid stents, embolic protection devices, etc.
Cardiac pacemakers, cardiac stents, cardiac valves
Detachable platinum coils
Elbow, hip, knee, and shoulder replacement
Total ankle replacement
Intraocular lenses (per lens)
Combined benefit limit for all unlisted internal prosthesis

FlexiFED Savvy Day-to-Day Benefits

🔎 Savings Plan	1️⃣ Savvy Hospital Plan	2️⃣ Savvy Savings Plan
🔍 Annual Day-to-Day Funds	R0	R5 388 for all family types

Fedhealth FlexiFED Savvy Plan Exclusions and Waiting Periods

FlexiFED Savvy Exclusions

Fedhealth FlexiFED Savvy’s include, but are not limited to, the following:

Art Therapy
Aromatherapy
Herbalists
Reflexology
Therapeutic massage therapy
Appliances, external accessories, and orthotics
Appliances, devices, and procedures that are not scientifically proven or appropriate
Back rests and chair seats
Bandages and dressings, unless specified as PMB
Beds, mattresses, linen savers, pillows, and overlays
Blood pressure monitors, and more.
Blood, Blood Equivalents, and Blood Products
Erythropoietin unless the appropriate program has approved it
Hemopure
Dentistry
Appointments that have not been kept
Orthodontic treatment of those 21>
Dental procedures or devices not considered by the relevant managed healthcare program as essential or clinically necessary, and more.
Infertility
Assisted Reproductive Technology or ART
In-vitro Fertilization (IVF)
Gamete Intrafallopian Tube Transfer (GIFT), and more.
Maternity
3D and 4D scans
More than 2 2D scans unless there is a motivation for an appropriate condition.
Medicine and Injectables

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FlexiFED Savvy Waiting Periods

Fedhealth FlexiFED Savvy typically has the following waiting periods:

General Waiting periods: This is often three months, depending on your chosen medical aid plan. During this period, you must pay your normal monthly payments. However, you are not eligible for benefits except for some PMB-related claims.
A secondary waiting period: This is typically around 12 months and pertains to therapy for any pre-existing conditions you had when you joined the program.

FlexiFED Savvy Plan vs. Similar Plans from other Good Medical Aid Schemes

🔎 Medical Aid Plan	🥇 Fedhealth FlexiFED Savvy (2026)	🥈 Momentum Ingwe Plan (2025)	🥉 KeyCare Start Regional (2025)
👤 Main Member Contribution	R1 155	R541	R1,102 – R2,597
👥 Adult Dependent Contribution	From R1 155	R541	R1,102 – R2,597
🍼 Child Dependent Contribution	R849	R541	R664 – R795
📉 Annual Limit	Unlimited Hospital Cover	None	Unlimited Hospital Cover
↪️ Gap Cover	Optional separately	☑️ Yes	☑️Yes
💙 Mental Healthcare Program	☑️ Yes	☑️ Yes	☑️ Yes

Our Verdict on the Fedhealth FlexiFED Savvy Plan

💙 Fedhealth FlexiFED Savvy is a comprehensive medical aid plan offering its members various benefits and features. Some of the advantages of this plan include flexible options to suit various budgets and healthcare needs, no overall annual limit, and a choice between various hospital networks.

💙 The plan also covers chronic conditions, day-to-day medical expenses, and emergency medical treatment. The drawbacks of this plan include the possibility of higher out-of-pocket expenses, limited cover for certain medical procedures and treatments, and a waiting period for some benefits.

💙 Overall, Fedhealth FlexiFED Savvy is a flexible and comprehensive medical aid plan that can provide members with peace of mind and financial security in the face of unexpected medical expenses.

You might also consider the following options FedHealth has to offer:

Fedhealth FlexiFED Savvy Plan Frequently Asked Questions

What is Fedhealth FlexiFED Savvy?

Fedhealth FlexiFED Savvy is a comprehensive medical aid plan that offers flexible options to suit various budgets and healthcare needs.

What are the advantages of Fedhealth FlexiFED Savvy?

The advantages of Fedhealth FlexiFED Savvy include flexible options, no overall annual limit, a choice between various hospital networks, coverage for chronic conditions, day-to-day medical expenses, and emergency medical treatment.

Does Fedhealth FlexiFED Savvy cover emergency medical treatment?

Yes, Fedhealth FlexiFED Savvy covers emergency medical treatment.

Can I upgrade or downgrade my benefit option under Fedhealth FlexiFED Savvy?

Yes, you can upgrade or downgrade your benefit option under Fedhealth FlexiFED Savvy.

What are the hospital networks available under Fedhealth FlexiFED Savvy?

The hospital networks available under Fedhealth FlexiFED Savvy include private hospitals and clinics.

Does Fedhealth FlexiFED Savvy cover chronic conditions?

Yes, Fedhealth FlexiFED Savvy covers chronic conditions.

What types of day-to-day medical expenses are covered under Fedhealth FlexiFED Savvy?

Day-to-day medical expenses such as consultations, medication, and pathology tests are covered under Fedhealth FlexiFED Savvy.

What are the drawbacks of Fedhealth FlexiFED Savvy?

The drawbacks of Fedhealth FlexiFED Savvy include the possibility of higher premiums, limited cover for certain medical procedures and treatments, and a waiting period for some benefits.

How are premiums calculated under Fedhealth FlexiFED Savvy?

Premiums under Fedhealth FlexiFED Savvy are calculated based on the selected benefit option, age, and the number of dependents.

What is the waiting period for certain benefits under Fedhealth FlexiFED Savvy?

The waiting period for certain benefits under Fedhealth FlexiFED Savvy is typically 3 months.

Can I choose my own doctor under Fedhealth FlexiFED Savvy?

Yes, you can choose your own doctor under Fedhealth FlexiFED Savvy.

Does Fedhealth FlexiFED Savvy cover alternative therapies?

Fedhealth FlexiFED Savvy may cover alternative therapies, depending on the selected benefit option.

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.