Medical Aid Benefits That Set Us Apart | Fedhealth Medical Aid

Benefits that add value

Our medical aid benefits are designed to give our Fedhealth members maximum value for their money – from screening and maternity benefits to mental health and unlimited private hospital cover for planned procedures. Compare these benefits across the Fedhealth product range and plans, so you can get a crystal clear picture of the option you’re considering

Benefit	flexiFED 1	flexiFED 2	flexiFED 3	flexiFED 4	myFED	maxima EXEC	maxima PLUS
Access to MediVault	Sufficient MediVault funds for a single, healthy person's day-to-day needs flexiFED 1 (Supercharged FLEXIBLE Savings Plan) Member R9 696 Member + 1 dependant R13 392 Member + 2 dependants R14 592 Member + 3 or more dependants R15 900 flexiFED 1 (Supercharged Savings Plan) Member R3 744 Member + 1 dependant R5 616 Member + 2 dependants R6 852 Member + 3 or more dependants R8 724	A bigger MediVault for when you start planning a family flexiFED 2 (Supercharged FLEXIBLE Savings Plan) Member 10 296 Member + 1 dependant R15 900 Member + 2 dependants R21 792 Member + 3 or more dependants R25 596 flexiFED 2 (Supercharged Savings Plan) Member R4 980 Member + 1 dependant R7 488 Member + 2 dependants R11 832 Member + 3 or more dependants R15 576	More MediVault funds so you can take care of your growing family flexiFED 3 (Supercharged FLEXIBLE Savings Plan) Member R11 496 Member + 1 dependant R17 496 Member + 2 dependants R23 100 Member + 3 or more dependants R27 096 flexiFED 3 (Supercharged Savings Plan) Member R7 488 Member + 1 dependant R9 960 Member + 2 dependants R13 104 Member + 3 or more dependants R15 576	A substantial MediVault so you can look after your whole family's day-to-day needs flexiFED 4 (Supercharged FLEXIBLE Savings Plan) Member R15 300 Member + 1 dependant R27 696 Member + 2 dependants R31 500 Member + 3 or more dependants R35 196 flexiFED 4 (Supercharged Savings Plan) Member R12 468 Member + 1 dependant R21 828 Member + 2 dependants R24 900 Member + 3 or more dependants R28 680	Not applicable to this option Not applicable to this option	Not applicable to this option Not applicable to this option	Not applicable to this option Not applicable to this option

Rich maternity benefits	Cover for in-hospital maternity expenses only. Out-of-hospital medical expenses can be covered from Fedhealth Savings Cover for in-hospital maternity expenses only. Out-of-hospital medical expenses can be covered from Fedhealth Savings	Rich maternity benefits for young families starting out Cover for in-hospital maternity expenses and the following out-of-hospital benefits : 2 x 2D scans; Antenatal classes up to R1 160; 8 antenatal and/ or postnatal consults with a midwife, Network GP or network gynaecologist; Amniocentesis Access to the Fedhealth baby programme The doula benefit	Even richer maternity benefits as you consider having another baby Cover for in-hospital maternity expenses in a private ward and the following out-of-hospital benefits : 2 x 2D scans; Antenatal classes up to R1 160; 12 antenatal and/ or postnatal consults with a midwife, Network GP or network gynaecologist, Amniocentesis Access to the Fedhealth baby programme The doula benefit	The same generous maternity benefit as on flexiFED 3 Cover for in-hospital maternity expenses in a private ward and the following out-of-hospital benefits : 2 x 2D scans; Antenatal classes up to R1 160; 12 antenatal and/ or postnatal consults with a midwife, Network GP or network gynaecologist, Amniocentesis Access to the Fedhealth baby programme The doula benefit	Unlimited cover for natural births and emergency Caesarean sections. PMB level of care only	Rich maternity benefit 2x antenatal scans and 12 ante- and postnatal consults with midwife, network GP and gynea Fedhealth Baby Programme Doula benefit Postnatal midwifery benefit Private ward cover	Rich maternity benefit 2x antenatal scans and 12 ante- and postnatal consults with midwife, network GP and gynea Fedhealth Baby Programme Doula benefit Postnatal midwifery benefit Private ward cover

Great childhood benefits	Paid from Wallet/ Savings or self-funded Paid from Wallet/ Savings or self-funded	Amazing benefits paid from Risk to support young families Only pay for up to three children, the rest are covered for free Paed-IQ (online parenting hub) Paediatric consultations without referral up to 12 months old Infant hearing screening benefit Childhood immunisations Trauma treatment in a casualty ward for those falls from the swing. Unlimited nominated network GP consults after day-to-day claims have reached the Benefit Maximiser threshold level. Childhood illness specialised drug benefit for kids up to 18 years old. Additional chronic benefit for children up to the age of 18 for kids with asthma and eczema	Very extensive childhood benefits paid from Risk Only pay for up to three children, the rest are covered for free. Paed-IQ (online parenting hub) Paediatric consultations without referral up to 24 months old Infant hearing screening benefit Childhood immunisations Trauma treatment in a casualty ward for those falls from the swing. Unlimited nominated network GP consults after day-to-day claims have reached the Benefit Maximiser threshold level. Childhood illness specialised drug benefit for kids up to 18 years old. Additional chronic benefit for children up to the age of 18 for kids with asthma, eczema and acne.	Very extensive childhood benefits paid from Risk Paed-IQ (online parenting hub) Paediatric consultations without referral up to 24 months old Infant hearing screening benefit Childhood immunisations Trauma treatment in a casualty ward for those falls from the swing. Unlimited nominated network GP consults after day-to-day claims have reached the Benefit Maximiser threshold level. Childhood illness specialised drug benefit for kids up to 18 years old. Additional chronic benefit for children up to the age of 18 for kids with asthma, eczema and acne.	Limited childhood benefit Limited childhood benefit	Great childhood benefits paid from Risk	Great childhood benefits paid from Risk

Unlimited private hospital cover for planned procedures	Unlimited at network hospitals and network day clinics only Network hospitals and day clinics only	Unlimited hospital cover at private hospitals (all private hospitals or networks depending on your choice). Opt for one of our GRID or Elect variants and save up to 25% on your medical aid contribution by using network hospitals	Unlimited hospital cover at private hospitals (all private hospitals or networks depending on your choice). Opt for one of our GRID or Elect variants and save up to 25% on your medical aid contribution by using network hospitals	Unlimited hospital cover at private hospitals (all private hospitals or networks depending on your choice). Opt for one of our GRID or Elect variants and save up to 25% on your medical aid contribution by using network hospitals	Unlimited hospital cover at myFED network hospitals. Network hospitals on the myFED network only.	Unlimited at all private hospitals. To have PMB conditions treatment covered in full, network hospitals must be used Unlimited at all private hospitals. To have PMB conditions treatment covered in full, network hospitals must be used	Unlimited at any private hospital Most costs for hospitalisation are covered from this benefit and must be pre-authorised. Unlimited at negotiated tariff at a hospital of your choice.

Threshold benefit	The Threshold benefit pays for certain day-to-day expenses once the member’s claims have accumulated up to the required level - can cover claims for preventative dentistry & unlimited network GP consults	The Threshold benefit pays for certain day-to-day expenses once the member’s claims have accumulated up to the required level - can cover basic dentistry & unlimited network GP consults	The Threshold benefit pays for certain day-to-day expenses once the member’s claims have accumulated up to the required level - can cover basic dentistry & unlimited network GP consults	The Threshold benefit pays for certain day-to-day expenses once the member’s claims have accumulated up to the required level, certain claims will be paid from the Threshold benefit with a 20% co-payment.	No Threshold benefit	The Threshold benefit pays for certain day-to-day expenses once the member’s claims have accumulated up to the required level.	The Threshold benefit pays for certain day-to-day expenses once the member’s claims have accumulated up to the required level.

Unlimited accident and emergency treatment	Unlimited accident and emergency treatment on Fedhealth.	Unlimited accident and emergency treatment on Fedhealth.	Unlimited accident and emergency treatment on Fedhealth.	Unlimited accident and emergency treatment on Fedhealth.	Unlimited accident and emergency treatment on Fedhealth.	Unlimited accident and emergency treatment on Fedhealth.	Unlimited accident and emergency treatment on Fedhealth.

Post-hospitalisation benefit	We pay for follow-up treatment for 30 days after hospitalisation like physio or pathology	We pay for follow-up treatment for 30 days after hospitalisation like physio or pathology	We pay for follow-up treatment for 30 days after hospitalisation like physio or pathology	We pay for follow-up treatment for 30 days after hospitalisation like physio or pathology	We pay for follow-up treatment for 30 days after hospitalisation like physio or pathology	We pay for follow-up treatment for 30 days after hospitalisation like physio or pathology	We pay for follow-up treatment for 30 days after hospitalisation like physio or pathology

Upgrades within 30 days of a life-changing event	Only Fedhealth lets you change to higher option any time of the year in case of pregnancy or a dread disease	Only Fedhealth lets you change to higher option any time of the year in case of pregnancy or a dread disease	Only Fedhealth lets you change to higher option any time of the year in case of pregnancy or a dread disease	Only Fedhealth lets you change to higher option any time of the year in case of pregnancy or a dread disease	Only Fedhealth lets you change to higher option any time of the year in case of pregnancy or a dread disease	Only Fedhealth lets you change to higher option any time of the year in case of pregnancy or a dread disease	Only Fedhealth lets you change to higher option any time of the year in case of pregnancy or a dread disease

Unlimited GP visits	Unlimited consults at a nominated network GP once the Threshold Level is reached	Unlimited consults at a nominated network GP once the Threshold Level is reached	Unlimited consults at a nominated network GP once the Threshold Level is reached	Unlimited consults at a network GP always paid from Risk. GRID and Elect members have unlimited consults at a nominated network GP always paid from Risk	Unlimited consults at nominated myFED contracted GP (utilisation monitoring after 10 visits p.b.p.y.)	Unlimited consultations at a Fedhealth Network GP once Savings is depleted	Unlimited consultations at a Fedhealth Network GP, never paid from Savings

Female contraception	Certain contraceptives paid from Risk, like oral and injectables	Certain contraceptives paid from Risk, like oral, injectables and IUDs.	Certain contraceptives paid from Risk, like oral, injectables and IUDs.	Certain contraceptives paid from Risk, like oral, injectables and IUDs.	Certain contraceptives paid from Risk, like oral and injectables.	Certain contraceptives paid from Risk, like oral, injectables and IUDs.	Certain contraceptives paid from Risk, like oral, injectables and IUDs.

Chronic and prescribed medication	Unlimited cover for CDL conditions. Basic formulary	Unlimited cover for CDL conditions. Intermediate formulary	Unlimited cover for CDL conditions PLUS allergic rhinitis, acne and eczema. Intermediate formulary	Subject to a limit of R6 300 per beneficiary, and R12 600 per family. Thereafter unlimited cover for CDL conditions	Unlimited cover for CDL conditions. Basic formulary	R7 890 pb, subject to an overall limit of R14 500 pfpy. Thereafter unlimited cover for CDL conditions	R16 700 pb, subject to an overall limit of R31 300 pfpy. Thereafter unlimited cover for CDL conditions

Trauma treatment in a casualty ward	Unlimited at Fedhealth Rate, co-pay applies for non-PMBs	Unlimited at Fedhealth Rate, co-pay applies for non-PMBs	Unlimited at Fedhealth Rate, co-pay applies for non-PMBs	Unlimited at Fedhealth Rate, co-pay applies for non-PMBs	Unlimited at Fedhealth Rate, co-pay applies for non-PMBs	Unlimited at Fedhealth Rate, co-pay applies for non-PMBs	Unlimited at Fedhealth Rate

Specialised radiology	MRI/ CT scans covered whether done in- or out-of-hospital. Unlimited at Fedhealth Rate. First R3 650 for each non-PMB MRI/ CT scan for your own account.	MRI/ CT scans covered whether done in- or out-of-hospital. Unlimited at Fedhealth Rate. First R2 630 for each non-PMB MRI/ CT scan for your own account.	MRI/ CT scans covered whether done in- or out-of-hospital. Unlimited at Fedhealth Rate. First R2 630 for each non-PMB MRI/ CT scan for your own account.	MRI/ CT scans covered whether done in- or out-of-hospital. Unlimited at Fedhealth Rate. First R2 630 for each non-PMB MRI/ CT scan for your own account.	R15 030 per beneficiary, subject to overall limit of R30 300 per family per year	MRI/ CT scans covered whether done in- or out-of-hospital. Unlimited at Fedhealth Rate. First R2 630 for each non-PMB MRI/ CT scan for your own account.	MRI/ CT scans covered whether done in- or out-of-hospital. Unlimited at FR if pre-authorised

Flu vaccinations	One flu vaccination paid from Risk pbpy	One flu vaccination paid from Risk pbpy	One flu vaccination paid from Risk pbpy	One flu vaccination paid from Risk pbpy	One flu vaccination paid from Risk pbpy	One flu vaccination paid from Risk pbpy	One flu vaccination paid from Risk pbpy

Cover for cancer	Unlimited at PMB level of care. Preferred providers ICON or SAOC	Cover up to R311 900 per family per year. Preferred providers ICON or SAOC	Cover up to R311 900 per family per year. Preferred providers ICON or SAOC	Cover up to R499 100 per family per year. Preferred providers ICON or SAOC	Unlimited at cost at PMB level of care. Preferred providers ICON or SAOC	Cover up to R624 000 per family per year. Preferred providers ICON or SAOC	Unlimited cover at preferred providers ICON or SAOC

Child rates up to the age of 27	Pay child rates for financially dependent children to age 27	Pay child rates for financially dependent children to age 27	Pay child rates for financially dependent children to age 27	Pay child rates for financially dependent children to age 27	Pay child rates for financially dependent children to age 27	Pay child rates for financially dependent children to age 27	Pay child rates for financially dependent children to age 27

Screening Benefits	Covers certain women’s, children’s, cardiac, as well as general health screenings	Covers certain women’s, children’s, cardiac, as well as general health screenings	Covers certain women’s, children’s, cardiac, as well as general health screenings + HPV vaccine	Covers certain women’s, children’s, cardiac, as well as general health screenings + HPV vaccine + optical screening	Cover for limited screenings	Covers certain women’s, children’s, cardiac, as well as general health screenings + HPV vaccine	Covers certain women’s, children’s, cardiac, as well as general health screenings + HPV vaccine

Benefit

flexiFED 1

flexiFED 2

flexiFED 3

flexiFED 4

myFED

maxima EXEC

maxima PLUS

Access to MediVault

Sufficient MediVault funds for a single, healthy person's day-to-day needs

flexiFED 1 (Supercharged FLEXIBLE Savings Plan)

Member R9 696
Member + 1 dependant R13 392
Member + 2 dependants R14 592
Member + 3 or more dependants R15 900

flexiFED 1 (Supercharged Savings Plan)

Member R3 744
Member + 1 dependant R5 616
Member + 2 dependants R6 852
Member + 3 or more dependants R8 724

A bigger MediVault for when you start planning a family

flexiFED 2 (Supercharged FLEXIBLE Savings Plan)

Member 10 296
Member + 1 dependant R15 900
Member + 2 dependants R21 792
Member + 3 or more dependants R25 596

flexiFED 2 (Supercharged Savings Plan)

Member R4 980
Member + 1 dependant R7 488
Member + 2 dependants R11 832
Member + 3 or more dependants R15 576

More MediVault funds so you can take care of your growing family

flexiFED 3 (Supercharged FLEXIBLE Savings Plan)

Member R11 496
Member + 1 dependant R17 496
Member + 2 dependants R23 100
Member + 3 or more dependants R27 096

flexiFED 3 (Supercharged Savings Plan)

Member R7 488
Member + 1 dependant R9 960
Member + 2 dependants R13 104
Member + 3 or more dependants R15 576

A substantial MediVault so you can look after your whole family's day-to-day needs

flexiFED 4 (Supercharged FLEXIBLE Savings Plan)

Member R15 300
Member + 1 dependant R27 696
Member + 2 dependants R31 500
Member + 3 or more dependants R35 196

flexiFED 4 (Supercharged Savings Plan)

Member R12 468
Member + 1 dependant R21 828
Member + 2 dependants R24 900
Member + 3 or more dependants R28 680

Not applicable to this option

Rich maternity benefits

Cover for in-hospital maternity expenses only. Out-of-hospital medical expenses can be covered from Fedhealth Savings

Rich maternity benefits for young families starting out

Cover for in-hospital maternity expenses and the following out-of-hospital benefits :

2 x 2D scans;
Antenatal classes up to R1 160;
8 antenatal and/ or postnatal consults with a midwife, Network GP or network gynaecologist;
Amniocentesis
Access to the Fedhealth baby programme
The doula benefit

Even richer maternity benefits as you consider having another baby

Cover for in-hospital maternity expenses in a private ward and the following out-of-hospital benefits :

2 x 2D scans;
Antenatal classes up to R1 160;
12 antenatal and/ or postnatal consults with a midwife, Network GP or network gynaecologist,
Amniocentesis
Access to the Fedhealth baby programme
The doula benefit

The same generous maternity benefit as on flexiFED 3

Cover for in-hospital maternity expenses in a private ward and the following out-of-hospital benefits :

2 x 2D scans;
Antenatal classes up to R1 160;
12 antenatal and/ or postnatal consults with a midwife, Network GP or network gynaecologist,
Amniocentesis
Access to the Fedhealth baby programme
The doula benefit

Unlimited cover for natural births and emergency Caesarean sections.

PMB level of care only

Rich maternity benefit

2x antenatal scans and 12 ante- and postnatal consults with midwife, network GP and gynea

Fedhealth Baby Programme

Doula benefit

Postnatal midwifery benefit

Private ward cover

Rich maternity benefit

2x antenatal scans and 12 ante- and postnatal consults with midwife, network GP and gynea

Fedhealth Baby Programme

Doula benefit

Postnatal midwifery benefit

Private ward cover

Great childhood benefits

Paid from Wallet/ Savings or self-funded

Amazing benefits paid from Risk to support young families Only pay for up to three children, the rest are covered for free

Paed-IQ (online parenting hub)

Paediatric consultations without referral up to 12 months old

Infant hearing screening benefit

Childhood immunisations

Trauma treatment in a casualty ward for those falls from the swing.

Unlimited nominated network GP consults after day-to-day claims have reached the Benefit Maximiser threshold level.

Childhood illness specialised drug benefit for kids up to 18 years old.

Additional chronic benefit for children up to the age of 18 for kids with asthma and eczema

Very extensive childhood benefits paid from Risk Only pay for up to three children, the rest are covered for free.

Paed-IQ (online parenting hub)

Paediatric consultations without referral up to 24 months old

Infant hearing screening benefit

Childhood immunisations

Trauma treatment in a casualty ward for those falls from the swing.

Unlimited nominated network GP consults after day-to-day claims have reached the Benefit Maximiser threshold level.

Childhood illness specialised drug benefit for kids up to 18 years old.

Additional chronic benefit for children up to the age of 18 for kids with asthma, eczema and acne.

Very extensive childhood benefits paid from Risk

Paed-IQ (online parenting hub)

Paediatric consultations without referral up to 24 months old

Infant hearing screening benefit

Childhood immunisations

Trauma treatment in a casualty ward for those falls from the swing.

Unlimited nominated network GP consults after day-to-day claims have reached the Benefit Maximiser threshold level.

Childhood illness specialised drug benefit for kids up to 18 years old.

Additional chronic benefit for children up to the age of 18 for kids with asthma, eczema and acne.

Limited childhood benefit

Great childhood benefits paid from Risk

Unlimited private hospital cover for planned procedures

Unlimited at network hospitals and network day clinics only

Network hospitals and day clinics only

Unlimited hospital cover at private hospitals (all private hospitals or networks depending on your choice).

Opt for one of our GRID or Elect variants and save up to 25% on your medical aid contribution by using network hospitals

Unlimited hospital cover at private hospitals (all private hospitals or networks depending on your choice).

Opt for one of our GRID or Elect variants and save up to 25% on your medical aid contribution by using network hospitals

Unlimited hospital cover at private hospitals (all private hospitals or networks depending on your choice).

Opt for one of our GRID or Elect variants and save up to 25% on your medical aid contribution by using network hospitals

Unlimited hospital cover at myFED network hospitals.

Network hospitals on the myFED network only.

Unlimited at all private hospitals. To have PMB conditions treatment covered in full, network hospitals must be used

Unlimited at any private hospital

Most costs for hospitalisation are covered from this benefit and must be pre-authorised. Unlimited at negotiated tariff at a hospital of your choice.

Threshold benefit

The Threshold benefit pays for certain day-to-day expenses once the member’s claims have accumulated up to the required level - can cover claims for preventative dentistry & unlimited network GP consults

The Threshold benefit pays for certain day-to-day expenses once the member’s claims have accumulated up to the required level - can cover basic dentistry & unlimited network GP consults

The Threshold benefit pays for certain day-to-day expenses once the member’s claims have accumulated up to the required level, certain claims will be paid from the Threshold benefit with a 20% co-payment.

No Threshold benefit

The Threshold benefit pays for certain day-to-day expenses once the member’s claims have accumulated up to the required level.

Unlimited accident and emergency treatment

Unlimited accident and emergency treatment on Fedhealth.

Post-hospitalisation benefit

We pay for follow-up treatment for 30 days after hospitalisation like physio or pathology

Upgrades within 30 days of a life-changing event

Only Fedhealth lets you change to higher option any time of the year in case of pregnancy or a dread disease

Unlimited GP visits

Unlimited consults at a nominated network GP once the Threshold Level is reached

Unlimited consults at a network GP always paid from Risk. GRID and Elect members have unlimited consults at a nominated network GP always paid from Risk

Unlimited consults at nominated myFED contracted GP (utilisation monitoring after 10 visits p.b.p.y.)

Unlimited consultations at a Fedhealth Network GP once Savings is depleted

Unlimited consultations at a Fedhealth Network GP, never paid from Savings

Female contraception

Certain contraceptives paid from Risk, like oral and injectables

Certain contraceptives paid from Risk, like oral, injectables and IUDs.

Certain contraceptives paid from Risk, like oral and injectables.

Certain contraceptives paid from Risk, like oral, injectables and IUDs.

Chronic and prescribed medication

Unlimited cover for CDL conditions. Basic formulary

Unlimited cover for CDL conditions. Intermediate formulary

Unlimited cover for CDL conditions PLUS allergic rhinitis, acne and eczema. Intermediate formulary

Subject to a limit of R6 300 per beneficiary, and R12 600 per family. Thereafter unlimited cover for CDL conditions

Unlimited cover for CDL conditions. Basic formulary

R7 890 pb, subject to an overall limit of R14 500 pfpy. Thereafter unlimited cover for CDL conditions

R16 700 pb, subject to an overall limit of R31 300 pfpy. Thereafter unlimited cover for CDL conditions

Trauma treatment in a casualty ward

Unlimited at Fedhealth Rate, co-pay applies for non-PMBs

Unlimited at Fedhealth Rate

Specialised radiology

MRI/ CT scans covered whether done in- or out-of-hospital. Unlimited at Fedhealth Rate. First R3 650 for each non-PMB MRI/ CT scan for your own account.

MRI/ CT scans covered whether done in- or out-of-hospital. Unlimited at Fedhealth Rate. First R2 630 for each non-PMB MRI/ CT scan for your own account.

R15 030 per beneficiary, subject to overall limit of R30 300 per family per year

MRI/ CT scans covered whether done in- or out-of-hospital. Unlimited at Fedhealth Rate. First R2 630 for each non-PMB MRI/ CT scan for your own account.

MRI/ CT scans covered whether done in- or out-of-hospital. Unlimited at FR if pre-authorised

Flu vaccinations

One flu vaccination paid from Risk pbpy

Cover for cancer

Unlimited at PMB level of care. Preferred providers ICON or SAOC

Cover up to R311 900 per family per year. Preferred providers ICON or SAOC

Cover up to R499 100 per family per year. Preferred providers ICON or SAOC

Unlimited at cost at PMB level of care. Preferred providers ICON or SAOC

Cover up to R624 000 per family per year. Preferred providers ICON or SAOC

Unlimited cover at preferred providers ICON or SAOC

Child rates up to the age of 27

Pay child rates for financially dependent children to age 27

Screening Benefits

Covers certain women’s, children’s, cardiac, as well as general health screenings

Covers certain women’s, children’s, cardiac, as well as general health screenings + HPV vaccine

Covers certain women’s, children’s, cardiac, as well as general health screenings + HPV vaccine + optical screening

Cover for limited screenings

Covers certain women’s, children’s, cardiac, as well as general health screenings + HPV vaccine

Access to MediVault

flexiFED 1	flexiFED 2	flexiFED 3	flexiFED 4	myFED	maxima EXEC	maxima PLUS
Sufficient MediVault funds for a single, healthy person's day-to-day needs flexiFED 1 (Supercharged FLEXIBLE Savings Plan) Member R9 696 Member + 1 dependant R13 392 Member + 2 dependants R14 592 Member + 3 or more dependants R15 900 flexiFED 1 (Supercharged Savings Plan) Member R3 744 Member + 1 dependant R5 616 Member + 2 dependants R6 852 Member + 3 or more dependants R8 724 A bigger MediVault for when you start planning a family flexiFED 2 (Supercharged FLEXIBLE Savings Plan) Member 10 296 Member + 1 dependant R15 900 Member + 2 dependants R21 792 Member + 3 or more dependants R25 596 flexiFED 2 (Supercharged Savings Plan) Member R4 980 Member + 1 dependant R7 488 Member + 2 dependants R11 832 Member + 3 or more dependants R15 576 More MediVault funds so you can take care of your growing family flexiFED 3 (Supercharged FLEXIBLE Savings Plan) Member R11 496 Member + 1 dependant R17 496 Member + 2 dependants R23 100 Member + 3 or more dependants R27 096 flexiFED 3 (Supercharged Savings Plan) Member R7 488 Member + 1 dependant R9 960 Member + 2 dependants R13 104 Member + 3 or more dependants R15 576 A substantial MediVault so you can look after your whole family's day-to-day needs flexiFED 4 (Supercharged FLEXIBLE Savings Plan) Member R15 300 Member + 1 dependant R27 696 Member + 2 dependants R31 500 Member + 3 or more dependants R35 196 flexiFED 4 (Supercharged Savings Plan) Member R12 468 Member + 1 dependant R21 828 Member + 2 dependants R24 900 Member + 3 or more dependants R28 680 Not applicable to this option Not applicable to this option Not applicable to this option Not applicable to this option Not applicable to this option Not applicable to this option

Rich maternity benefits

flexiFED 1	flexiFED 2	flexiFED 3	flexiFED 4	myFED	maxima EXEC	maxima PLUS
Cover for in-hospital maternity expenses only. Out-of-hospital medical expenses can be covered from Fedhealth Savings Cover for in-hospital maternity expenses only. Out-of-hospital medical expenses can be covered from Fedhealth Savings Rich maternity benefits for young families starting out Cover for in-hospital maternity expenses and the following out-of-hospital benefits : 2 x 2D scans; Antenatal classes up to R1 160; 8 antenatal and/ or postnatal consults with a midwife, Network GP or network gynaecologist; Amniocentesis Access to the Fedhealth baby programme The doula benefit Even richer maternity benefits as you consider having another baby Cover for in-hospital maternity expenses in a private ward and the following out-of-hospital benefits : 2 x 2D scans; Antenatal classes up to R1 160; 12 antenatal and/ or postnatal consults with a midwife, Network GP or network gynaecologist, Amniocentesis Access to the Fedhealth baby programme The doula benefit The same generous maternity benefit as on flexiFED 3 Cover for in-hospital maternity expenses in a private ward and the following out-of-hospital benefits : 2 x 2D scans; Antenatal classes up to R1 160; 12 antenatal and/ or postnatal consults with a midwife, Network GP or network gynaecologist, Amniocentesis Access to the Fedhealth baby programme The doula benefit Unlimited cover for natural births and emergency Caesarean sections. PMB level of care only Rich maternity benefit 2x antenatal scans and 12 ante- and postnatal consults with midwife, network GP and gynea Fedhealth Baby Programme Doula benefit Postnatal midwifery benefit Private ward cover Rich maternity benefit 2x antenatal scans and 12 ante- and postnatal consults with midwife, network GP and gynea Fedhealth Baby Programme Doula benefit Postnatal midwifery benefit Private ward cover

Great childhood benefits

flexiFED 1	flexiFED 2	flexiFED 3	flexiFED 4	myFED	maxima EXEC	maxima PLUS
Paid from Wallet/ Savings or self-funded Paid from Wallet/ Savings or self-funded Amazing benefits paid from Risk to support young families Only pay for up to three children, the rest are covered for free Paed-IQ (online parenting hub) Paediatric consultations without referral up to 12 months old Infant hearing screening benefit Childhood immunisations Trauma treatment in a casualty ward for those falls from the swing. Unlimited nominated network GP consults after day-to-day claims have reached the Benefit Maximiser threshold level. Childhood illness specialised drug benefit for kids up to 18 years old. Additional chronic benefit for children up to the age of 18 for kids with asthma and eczema Very extensive childhood benefits paid from Risk Only pay for up to three children, the rest are covered for free. Paed-IQ (online parenting hub) Paediatric consultations without referral up to 24 months old Infant hearing screening benefit Childhood immunisations Trauma treatment in a casualty ward for those falls from the swing. Unlimited nominated network GP consults after day-to-day claims have reached the Benefit Maximiser threshold level. Childhood illness specialised drug benefit for kids up to 18 years old. Additional chronic benefit for children up to the age of 18 for kids with asthma, eczema and acne. Very extensive childhood benefits paid from Risk Paed-IQ (online parenting hub) Paediatric consultations without referral up to 24 months old Infant hearing screening benefit Childhood immunisations Trauma treatment in a casualty ward for those falls from the swing. Unlimited nominated network GP consults after day-to-day claims have reached the Benefit Maximiser threshold level. Childhood illness specialised drug benefit for kids up to 18 years old. Additional chronic benefit for children up to the age of 18 for kids with asthma, eczema and acne. Limited childhood benefit Limited childhood benefit Great childhood benefits paid from Risk Great childhood benefits paid from Risk

Unlimited private hospital cover for planned procedures

flexiFED 1	flexiFED 2	flexiFED 3	flexiFED 4	myFED	maxima EXEC	maxima PLUS
Unlimited at network hospitals and network day clinics only Network hospitals and day clinics only Unlimited hospital cover at private hospitals (all private hospitals or networks depending on your choice). Opt for one of our GRID or Elect variants and save up to 25% on your medical aid contribution by using network hospitals Unlimited hospital cover at private hospitals (all private hospitals or networks depending on your choice). Opt for one of our GRID or Elect variants and save up to 25% on your medical aid contribution by using network hospitals Unlimited hospital cover at private hospitals (all private hospitals or networks depending on your choice). Opt for one of our GRID or Elect variants and save up to 25% on your medical aid contribution by using network hospitals Unlimited hospital cover at myFED network hospitals. Network hospitals on the myFED network only. Unlimited at all private hospitals. To have PMB conditions treatment covered in full, network hospitals must be used Unlimited at all private hospitals. To have PMB conditions treatment covered in full, network hospitals must be used Unlimited at any private hospital Most costs for hospitalisation are covered from this benefit and must be pre-authorised. Unlimited at negotiated tariff at a hospital of your choice.

Threshold benefit

flexiFED 1	flexiFED 2	flexiFED 3	flexiFED 4	myFED	maxima EXEC	maxima PLUS
The Threshold benefit pays for certain day-to-day expenses once the member’s claims have accumulated up to the required level - can cover claims for preventative dentistry & unlimited network GP consults The Threshold benefit pays for certain day-to-day expenses once the member’s claims have accumulated up to the required level - can cover basic dentistry & unlimited network GP consults The Threshold benefit pays for certain day-to-day expenses once the member’s claims have accumulated up to the required level - can cover basic dentistry & unlimited network GP consults The Threshold benefit pays for certain day-to-day expenses once the member’s claims have accumulated up to the required level, certain claims will be paid from the Threshold benefit with a 20% co-payment. No Threshold benefit The Threshold benefit pays for certain day-to-day expenses once the member’s claims have accumulated up to the required level. The Threshold benefit pays for certain day-to-day expenses once the member’s claims have accumulated up to the required level.

Unlimited accident and emergency treatment

flexiFED 1	flexiFED 2	flexiFED 3	flexiFED 4	myFED	maxima EXEC	maxima PLUS
Unlimited accident and emergency treatment on Fedhealth. Unlimited accident and emergency treatment on Fedhealth. Unlimited accident and emergency treatment on Fedhealth. Unlimited accident and emergency treatment on Fedhealth. Unlimited accident and emergency treatment on Fedhealth. Unlimited accident and emergency treatment on Fedhealth. Unlimited accident and emergency treatment on Fedhealth.

Post-hospitalisation benefit

flexiFED 1	flexiFED 2	flexiFED 3	flexiFED 4	myFED	maxima EXEC	maxima PLUS
We pay for follow-up treatment for 30 days after hospitalisation like physio or pathology We pay for follow-up treatment for 30 days after hospitalisation like physio or pathology We pay for follow-up treatment for 30 days after hospitalisation like physio or pathology We pay for follow-up treatment for 30 days after hospitalisation like physio or pathology We pay for follow-up treatment for 30 days after hospitalisation like physio or pathology We pay for follow-up treatment for 30 days after hospitalisation like physio or pathology We pay for follow-up treatment for 30 days after hospitalisation like physio or pathology

Upgrades within 30 days of a life-changing event

flexiFED 1	flexiFED 2	flexiFED 3	flexiFED 4	myFED	maxima EXEC	maxima PLUS
Only Fedhealth lets you change to higher option any time of the year in case of pregnancy or a dread disease Only Fedhealth lets you change to higher option any time of the year in case of pregnancy or a dread disease Only Fedhealth lets you change to higher option any time of the year in case of pregnancy or a dread disease Only Fedhealth lets you change to higher option any time of the year in case of pregnancy or a dread disease Only Fedhealth lets you change to higher option any time of the year in case of pregnancy or a dread disease Only Fedhealth lets you change to higher option any time of the year in case of pregnancy or a dread disease Only Fedhealth lets you change to higher option any time of the year in case of pregnancy or a dread disease

Unlimited GP visits

flexiFED 1	flexiFED 2	flexiFED 3	flexiFED 4	myFED	maxima EXEC	maxima PLUS
Unlimited consults at a nominated network GP once the Threshold Level is reached Unlimited consults at a nominated network GP once the Threshold Level is reached Unlimited consults at a nominated network GP once the Threshold Level is reached Unlimited consults at a network GP always paid from Risk. GRID and Elect members have unlimited consults at a nominated network GP always paid from Risk Unlimited consults at nominated myFED contracted GP (utilisation monitoring after 10 visits p.b.p.y.) Unlimited consultations at a Fedhealth Network GP once Savings is depleted Unlimited consultations at a Fedhealth Network GP, never paid from Savings

Female contraception

flexiFED 1	flexiFED 2	flexiFED 3	flexiFED 4	myFED	maxima EXEC	maxima PLUS
Certain contraceptives paid from Risk, like oral and injectables Certain contraceptives paid from Risk, like oral, injectables and IUDs. Certain contraceptives paid from Risk, like oral, injectables and IUDs. Certain contraceptives paid from Risk, like oral, injectables and IUDs. Certain contraceptives paid from Risk, like oral and injectables. Certain contraceptives paid from Risk, like oral, injectables and IUDs. Certain contraceptives paid from Risk, like oral, injectables and IUDs.

Chronic and prescribed medication

flexiFED 1	flexiFED 2	flexiFED 3	flexiFED 4	myFED	maxima EXEC	maxima PLUS
Unlimited cover for CDL conditions. Basic formulary Unlimited cover for CDL conditions. Intermediate formulary Unlimited cover for CDL conditions PLUS allergic rhinitis, acne and eczema. Intermediate formulary Subject to a limit of R6 300 per beneficiary, and R12 600 per family. Thereafter unlimited cover for CDL conditions Unlimited cover for CDL conditions. Basic formulary R7 890 pb, subject to an overall limit of R14 500 pfpy. Thereafter unlimited cover for CDL conditions R16 700 pb, subject to an overall limit of R31 300 pfpy. Thereafter unlimited cover for CDL conditions

Trauma treatment in a casualty ward

flexiFED 1	flexiFED 2	flexiFED 3	flexiFED 4	myFED	maxima EXEC	maxima PLUS
Unlimited at Fedhealth Rate, co-pay applies for non-PMBs Unlimited at Fedhealth Rate, co-pay applies for non-PMBs Unlimited at Fedhealth Rate, co-pay applies for non-PMBs Unlimited at Fedhealth Rate, co-pay applies for non-PMBs Unlimited at Fedhealth Rate, co-pay applies for non-PMBs Unlimited at Fedhealth Rate, co-pay applies for non-PMBs Unlimited at Fedhealth Rate

Specialised radiology

flexiFED 1	flexiFED 2	flexiFED 3	flexiFED 4	myFED	maxima EXEC	maxima PLUS
MRI/ CT scans covered whether done in- or out-of-hospital. Unlimited at Fedhealth Rate. First R3 650 for each non-PMB MRI/ CT scan for your own account. MRI/ CT scans covered whether done in- or out-of-hospital. Unlimited at Fedhealth Rate. First R2 630 for each non-PMB MRI/ CT scan for your own account. MRI/ CT scans covered whether done in- or out-of-hospital. Unlimited at Fedhealth Rate. First R2 630 for each non-PMB MRI/ CT scan for your own account. MRI/ CT scans covered whether done in- or out-of-hospital. Unlimited at Fedhealth Rate. First R2 630 for each non-PMB MRI/ CT scan for your own account. R15 030 per beneficiary, subject to overall limit of R30 300 per family per year MRI/ CT scans covered whether done in- or out-of-hospital. Unlimited at Fedhealth Rate. First R2 630 for each non-PMB MRI/ CT scan for your own account. MRI/ CT scans covered whether done in- or out-of-hospital. Unlimited at FR if pre-authorised

Flu vaccinations

flexiFED 1	flexiFED 2	flexiFED 3	flexiFED 4	myFED	maxima EXEC	maxima PLUS
One flu vaccination paid from Risk pbpy One flu vaccination paid from Risk pbpy One flu vaccination paid from Risk pbpy One flu vaccination paid from Risk pbpy One flu vaccination paid from Risk pbpy One flu vaccination paid from Risk pbpy One flu vaccination paid from Risk pbpy

Cover for cancer

flexiFED 1	flexiFED 2	flexiFED 3	flexiFED 4	myFED	maxima EXEC	maxima PLUS
Unlimited at PMB level of care. Preferred providers ICON or SAOC Cover up to R311 900 per family per year. Preferred providers ICON or SAOC Cover up to R311 900 per family per year. Preferred providers ICON or SAOC Cover up to R499 100 per family per year. Preferred providers ICON or SAOC Unlimited at cost at PMB level of care. Preferred providers ICON or SAOC Cover up to R624 000 per family per year. Preferred providers ICON or SAOC Unlimited cover at preferred providers ICON or SAOC

Child rates up to the age of 27

flexiFED 1	flexiFED 2	flexiFED 3	flexiFED 4	myFED	maxima EXEC	maxima PLUS
Pay child rates for financially dependent children to age 27 Pay child rates for financially dependent children to age 27 Pay child rates for financially dependent children to age 27 Pay child rates for financially dependent children to age 27 Pay child rates for financially dependent children to age 27 Pay child rates for financially dependent children to age 27 Pay child rates for financially dependent children to age 27

Screening Benefits

flexiFED 1	flexiFED 2	flexiFED 3	flexiFED 4	myFED	maxima EXEC	maxima PLUS
Covers certain women’s, children’s, cardiac, as well as general health screenings Covers certain women’s, children’s, cardiac, as well as general health screenings Covers certain women’s, children’s, cardiac, as well as general health screenings + HPV vaccine Covers certain women’s, children’s, cardiac, as well as general health screenings + HPV vaccine + optical screening Cover for limited screenings Covers certain women’s, children’s, cardiac, as well as general health screenings + HPV vaccine Covers certain women’s, children’s, cardiac, as well as general health screenings + HPV vaccine