flexiFED 3

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flexiFED 3

flexiFED 3 is the ideal plan for young, growing families, and supports you with generous maternity and childhood benefits for pregnancy, birth and those busy early childhood years. Add to that access to Fedhealth Savings for those unforeseen day-to-day medical expenses, and a valuable Threshold Benefit that kicks in once claims have reached the correct level, and your healthcare needs are sorted.

R 2 844 per month
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flexiFED 3 is the ideal plan for young, growing families, and supports you with generous maternity and childhood benefits for pregnancy, birth and those busy early childhood years. Add to that access to Fedhealth Savings for those unforeseen day-to-day medical expenses, and a valuable Threshold Benefit that kicks in once claims have reached the correct level, and your healthcare needs are sorted.

This refers to the procedures and treatments that take place in hospital, which you’re covered for as follows:

  • There’s no overall annual limit for hospitalisation, so you get financial peace of mind should you or your children need to be admitted.
  • Our unlimited maternity cover with network GPs and specialists helps keep you calm and less stressed about finances during your pregnancy.
  • Enjoy the peace and seclusion of a private ward for delivery.
  • Network GPs and specialists are covered unlimited at cost, so you’ll be covered as your little ones build up their immune systems.
  • Non-network GPs, specialists and other healthcare providers are covered up to 100% of the Fedhealth Rate.
  • Get an oncology benefit of R350 000.
  • Enjoy a specialised drug benefit for childhood illnesses for your children up to the age of 18.

On this option, you’re covered for 26 chronic diseases as listed on the Chronic Disease List (CDL), PLUS an additional three.

This means unlimited cover for diseases on the CDL, as well as eczema, acne and allergic rhinitis for children, at a provider of choice. Intermediate formulary and the Medicine Price List (MPL) apply. 

This medical aid plan option also has a benefit of R3 200 per family for attention deficit hyperactivity disorder, depression, generalised anxiety disorder and post-traumatic stress disorder. 



Make sure you and your little ones stay healthy and vibrant with cover for a range of preventative healthcare assessments and tests:

  • We cover one pap smear (cervical cancer screening) every three years for women aged 21 to 65.
  • We cover one Prostate-Specific Antigen (PSA) per year for men aged 45 to 69.
  • Get cover for your children’s immunisations from birth to 12 years (as per the State EPI).
  • We cover one cholesterol screening (full lipogram) every five years for anyone in your family over the age of 20.
  • Get a free flu vaccination for each of your family members once a year!
  • We cover one HIV finger prick test for all members once a year.
  • All members enjoy one wellness screening per year that includes BMI, blood pressure, finger prick cholesterol and glucose tests.
  • Keep your body in top form with one preventative screening per year by a contracted wellness network provider that includes waist-to-hip ratio, body fat %, flexibility, posture and fitness.
  • HPV vaccine for all female beneficiaries aged 9 - 16 years. This benefit is 2 doses per lifetime. 
  • NEW for 2024: We cover 1 HPV PCR test every 5 years for women aged 21 - 65

Bonus Benefits:

Want to make sure all bases are covered when it comes to your family’s health? Add on extras to your plan with things like professional medical advice and a transport service when you need post-hospitalisation check-ups.

  • Medical expenses increased with an expanding family? Upgrade to a higher option within 30 days of a life-changing event, like a pregnancy or the diagnosis of a dread disease.
  • Phone our 24-hour toll-free Nurse Line for expert medical and health advice from qualified nurses for you or your children.
  • Our MediTaxi service transports you to follow-up medical treatments following a hospital stay (only certain regions).
  • Use our USSD call-back service, SOS Call Me, to access Emergency Medical Services, the Fedhealth Nurse Line or MediTaxi – free of charge to you!
  • Qualifying members can join our 12-week Weight Management Programme led by biokineticists and dieticians to make healthy lifestyle changes as a busy parent.
  • We cover the GoSmokeFree Smoking Cessation Programme to help you quit the smoking habit for good!
  • Need a little support through life's ups and downs? The October Health app, available through the Fedhealth Member App, provides mental health support to Fedhealth members.

  • If you’re pregnant, you’re eligible for the Fedhealth Baby Programme that gives great discounts, parenting advice and gifts for your precious bundle.
  • Our postnatal midwifery benefit includes four consultations with a midwife both in and out of hospital.
  • Want to use a doula for your baby’s birth? We cover one up to R3 600 per delivery.
  • Get cover for one audiology screening for your newborn up to the Fedhealth Rate (including consultation).
  • Up at night with a sick baby? Get access to the Paed-IQ advice line for all your paediatric questions.
  • We cover take-home medicine for seven days per hospital event at 100% of the Medicine Price List.
  • Get cover for follow-up treatment for 30 days once you’re discharged from hospital, such as physio, x-rays and pathology.
  • Receive trauma treatment at a casualty ward whether you’re admitted to the hospital or not. A R800 co-payment will apply per visit for non-PMBs (if you’re not admitted to hospital straight from casualty).
  • Enjoy unlimited specialised radiology paid by the scheme if you get pre-authorisation from us. The first R2 810 for non-PMB MRI/CT scans will be for your account.
  • Family planning: We cover oral female contraception, patches, contraceptive rings, certain injectables and IUDs including the Mirena (prescribed by a GP or gynae, and not prescribed for acne).

Once you’ve reached the Threshold Level, enjoy:

  • Unlimited GP visits at nominated network GPs!
  • A basic dentistry benefit at a contracted dentist including x-rays, scaling and polishing, fillings, extractions and root canal.


On Fedhealth’s flexiFED options, you choose how your medical aid cover is structured. Choose from any hospital, or enjoy a GRID or Elect discount. On GRID, you can save 10% every month in exchange for only using our network of 120 world-class hospitals. On Elect, you will enjoy a 25% saving every month by using any private hospital and paying a fixed co-payment on planned hospital procedures.

Any Hospital

Full cover at all private hospitals

R 3 796

per month

At Fedhealth we are all about control, flexibility and choice. Our flexiFED options are made one member at a time, and you can customize your Hospital/Risk cover to fit your budget and your needs perfectly.




Full cover at network hospitals

R 3 404

per month

In exchange, you must use Fedhealth’s Private Hospital Network for planned procedures. The network includes over 120 of South Africa’s best private hospitals and 90% of our members live within a 10-kilometre radius of these hospitals. You can still use a non-network hospital if you wish, but you will then have to pay a R14 700 co-payment. However, the co-payment does not apply in case of emergencies.




Full cover at any private hospital with a co-payment for elective surgery

R 2 844

per month

In exchange, you will be charged a fixed excess of R14 700 on all hospital admissions, except for emergencies. This excess however only applies to the hospital bill; you could still have co-payments on out-of-network specialists, a procedure co-payment or shortfalls because benefit limits have been exceeded.


On flexiFED, you choose how to structure your day-to-day benefits. Either use your flexiFED option as a hospital plan only and pay for your own day-to-day expenses, use it as a savings plan to get a set amount of day-to-day savings that you pay back in equal portions from January each year, or use it as a flexible savings plan and only pay for what you’ve used interest free over 12 months. Remember, Fedhealth pays more from Risk than other schemes, so even on a hospital plan, you’re already get so much more!

Hospital Plan

Hospital Plan

  • A hospital plan that gives you more

  • Keep your contributions as low as possible

  • Complete peace of mind

Savings Plan

Savings Plan

Let us manage your day-to-day funds automatically.

  • Simplicity - you choose once and your monthly repayment will never vary.

  • One debit order every month.

  • No admin, we'll manage your day-to-day funds automatically.

Flexible Savings Plan

Pay for your day-to-day benefits when you need to use them.

  • You don't pay for day-to-day benefits until you use them. This could save you thousands every month.

  • You pay less without compromising on the quality of your benefits.

  • You are in full control over how much you pay for your medical aid.


Now that you know that you can structure your day-to-day cover, as well as which hospital network discounts are available to you, you can complete the fields below to see the flexibility of your flexiFED option in action… and what you will pay every month.


Total monthly contribution