About Fedhealth

Fedhealth provides cover for approximately 143 000 lives and offers a choice of 25 plans. Members can choose a hospital of choice or a hospital network plan using the Elect or GRID options. The Elect network is very restrictive while the GRID network offers a more comprehensive hospital list. On Elect options, a standard co-payment applies to all hospital admissions except emergency admissions. Balloon sinuplasty is excluded on all options.

On the flexiFED plans, hospitalisation benefits are offered with very limited savings for day to day claims. Additional funds are allocated through MediVault (Wallet) which is accessed only when needed and repaid over a rolling 12-month period, interest free. Members may alternatively select upfront savings at the start of the year, which are added to the monthly contribution under the Fixed options.

Fedhealth Medical Aid Plans - Contributions

Premiums for a single member range from R1 128 to R10 772 and the flexiFED 4 is the most popular option. All options offer some preventative care benefits. Annual contribution increases will be effective from 1st April 2022. FedHealth provides a variety of plans with flexible contributions depending on your choice of cover. The cards below outline contributions for the main member, adult dependants, and child dependants.

flexiFED Savvy

Contributions (Main)R709 – R965

Principal MemberR965

Adult DependantR965

Child DependantR709

flexiFED 1

Contributions (Main)R625 – R1 716

Principal MemberR1 716

Adult DependantR1 341

Child DependantR625

flexiFED 2

Contributions (Main)R740 – R2 491

Principal MemberR2 491

Adult DependantR2 227

Child DependantR740

flexiFED 3

Contributions (Main)R1 009 – R2 844

Principal MemberR2 844

Adult DependantR2 608

Child DependantR1 009

flexiFED 4

Contributions (Main)R1 167 – R3 805

Principal MemberR3 805

Adult DependantR3 546

Child DependantR1 167

maxima EXEC

Contributions (Main)R2 909 – R9 419

Principal MemberR9 419

Adult DependantR8 176

Child DependantR2 909

maxima PLUS

Contributions (Main)R4 598 – R14 883

Principal MemberR14 883

Adult DependantR12 845

Child DependantR4 598

*Contribution ranges are approximate and may vary. Consult FedHealth for precise quotes based on your specific needs.

MaxiFED Maxima Plus

This option is suited for individuals and families requiring extensive medical cover. It offers unlimited hospital cover at a hospital of choice, with in-hospital specialist bills paid at 200%. If the scheme's Conservative Back and Neck Rehabilitation Programme is not completed, no cover is available for spinal surgery. Co-payments are applied for certain surgical procedures if the contracted service provider is not used. Day to day claims are paid from savings, then from a risk benefit. Thereafter, a self payment gap applies and then claims are paid from the above threshold benefit.

MaxiFED Maxima Exec

MaxiFED Maxima Exec is suited for individuals and families requiring extensive medical cover. It offers unlimited hospital cover at a hospital of choice, with in-hospital specialist bills paid at 200%. Co-payments are applied to a comprehensive list of in-hospital procedures. If the scheme's Conservative Back and Neck Rehabilitation Programme is not completed, no cover is available for spinal surgery. Day to day claims are paid from savings, then from a risk benefit. Thereafter, a self payment gap applies and then claims are paid from the above threshold benefit.

flexiFED 4 & Elect & GRID (Flexible & Fixed)

flexiFED 4 is suited for individuals and families requiring comprehensive medical cover. It offers unlimited hospital cover at a hospital of choice, or if selecting the GRID or Elect options, through a hospital network, with in-hospital specialist bills paid at 100%. Co-payments are applied to a comprehensive list of in-hospital procedures. If the scheme's Conservative Back and Neck Rehabilitation Programme is not completed, no cover is available for spinal surgery.

Day to day benefits are available through MediVault (Wallet) on the Flexible options or through Savings on the Fixed options. Once the MediVault or Savings has been exhausted an above threshold benefit applies. Unlimited cover for network GPs, network Specialists, Basic Dentistry, Pathology, Basic Radiology once threshold reached - 20% co-pay applies.

flexiFED 2 & Elect & GRID (Flexible & Fixed)

flexiFED 2 is suited for individuals requiring general medical cover. It offers unlimited hospital cover at a hospital of choice, or if selecting the GRID or Elect options, through a hospital network, with in-hospital specialist bills paid at 100%. Co-payments are applied to a comprehensive list of in-hospital procedures. A short list of in-hospital exclusions applies.

Day to day benefits are available through MediVault (Wallet) on the Flexible options or through Savings on the Fixed options. Once the MediVault or Savings has been exhausted, additional cover is available once the Threshold has been reached. All day to day expenses accumulate to the Threshold limit. Specialised radiology, optometry and preventative care benefits are also offered.

myFED

myFED is an entry level capitated network plan which is affordable and ideal for low earning individuals. A co-payment will apply for Elective Caesarean Sections and an extensive list of in-hospital exclusions applies. All treatments are subject to network providers and network protocols.

Unique Benefits

Upgrades within 30 days of a life-changing event; 24-hour Fedhealth Nurse Line; emotional wellbeing programme; emergency transport and response; MediTaxi; SOS Call Me

Lifestyle Programme

Sanlam Reality is a lifestyle and rewards programme available to members of Fedhealth Medical Aid. Members get special offers on selected Sanlam products, save money on wellness, travel and entertainment, and are rewarded for financially responsible behaviour by earning tier points.

Fedhealth Medical Scheme is an authorised medical scheme in South Africa.