FlexiFED Savvy
About this plan
🥇 Best suited for young adults wanting affordable hospital cover with flexible day-to-day healthcare funding.
Principal Member
From
R1,604
per month
Adult Dependant
From
R1,155
per month
Child Dependant
From
R849
per month
What's covered
Hospital cover
Savings account
Day-to-day
Chronic cover
Dental
Optical
Maternity
Mental health
Waiting periods
- General
- 3 months
- Pre-existing conditions
- 12 months
FlexiFED Savvy
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
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
💙 Discover more: Health Insurance for Pregnancy
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 (2026) | 🥉 KeyCare Start Regional (2026) |
| 👤 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 1
- 🥇 Fe dhealth FlexiFED 2
- 🥇 Fedhealth FlexiFED 3
- 🥇 Fedhealth FlexiFED 4
- 🥇 Fedhealth Maxima EXEC
- 🥇 Fedhealth Maxima PLUS
- 🥇 Fedhealth MyFED
