**2024 rates and benefits published on the website are still subject to CMS approval. 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.
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:
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:
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.
Once you’ve reached the Threshold Level, enjoy:
CHOOSE HOW MUCH YOU SAVE ON HOSPITAL COVER
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.
Full cover at all private hospitals
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
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
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.
YOUR MEDICAL AID PLAN, YOUR WAY
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!
A hospital plan that gives you more
Keep your contributions as low as possible
Complete peace of mind
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.
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.
MEDICAL AID THE FEDHEALTH WAY
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.
MediVault annual cover - only pay back the portion you use over 12 months