flexiFED 3
flexiFED 3
From
- Advanced maternity cover, Benefits for kids, Growing families
flexiFED 3 is the perfect family medical aid plan, with rich maternity and childhood benefits to take care of your precious bunch.
- Enhanced maternity benefit: Private ward cover and 12 ante- or postnatal consults
- Paediatric consults without referral up to 24 months
- Generous optical benefits
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Type of Plan
Here’s where Fedhealth is truly unique: we let YOU choose how to pay for your day-to-day savings.
Choose how you pay for your day-to-day benefits and which hospitals you want available to you
Hospital Plan
This plan provides cover for hospitalisation,
ensuring you're protected during medical
emergencies. However, for day-to-day benefits
like dentist visits or medications, you'll need to
pay from your pocket.
Get in-hospital cover, but pay for day-to-day expenses like medication at the pharmacy yourself.
This keeps your contributions as low as possible.
Savings Plan
Pick a Savings Plan to enjoy the
benefits of a traditional medical
savings account. This is solid
hospital cover with an additional
amount added to your premium to
cover your day-to-day expenses,
such as a specialist visits or blood
tests.
We give you an annual pool of funds for day-to-day expenses upfront. It’s already added to your monthly contribution.
Since Fedhealth pays more from Risk, your day-to-day benefits tend to go further with us!
Flexible Savings Plan
A Fedhealth innovation! A Flexible
Savings Plan is for you if you want
mostly a hospital plan, but like the
idea of having a day-to-day back-up
plan. Make transfers from your
MediVault to your Wallet to pay for
antibiotics at the pharmacy or a
physio visit. You only pay for what
you use – interest-free over 12
months.
Unique to Fedhealth! This is a day-to-day back-up plan in case you need it.
You only pay for the day-to-day savings you use – interest-free over 12 months.
How does Flexible Savings work?
Let’s say you only get sick once in the year, or hurt.
You’d only want to pay for the medical savings you need to cover this one event, right?
Here’s how it would work:
- You’d need R600 worth of medication for this one-time flu.
- Simply transfer the R600 from your MediVault to your Wallet to pay for this medication.
- The R600 you used is divided into 12 equal payments and added to your monthly premium in order for you to pay it off.
In summary:
You spent R600 of your Savings:
R600 / 12 = R50 pm
Added to your monthly payment:
E.g: R1 716 + R50 = R1 766 p/m for the rest of the year
Instead of paying R2 000 p/m for traditional savings, you only spend the R50p/m to pay back what you’ve used.
Hospital Discount Structures
Which hospitals would you like to access on your plan?
Want to save some real money on your monthly medical aid? At Fedhealth, you have two discounts to consider. Choose between two variants for a significant discount on your contributions.
Which hospitals would you like to access on your plan?
Want to save some real money on your monthly medical aid? At Fedhealth, you have two discounts to consider. Choose between two variants for a significant discount on your contributions.
Any Hospital
Full cover at all private hospitals for emergencies or planned procedures.
*Covers all admissions at any private hospital except the following hospitals: Zuid-Afrikaans Hospital (City of Tshwane), Arwyp Medical Centre (Ekurhuleni), Busamed Modderfontein Private Hospital (City of Johannesburg), Hibiscus Hospital (Ugu), Mooimed Private Hospital (Dr Kenneth Kaunda), Capital Hospital (Durban), which will not be covered in full for 2024. Emergency treatment at these 7 hospitals, however, will be covered in full without a co-payment but elective procedures will attract a R8 400 co-payment
GRID Network Hospitals
Save 10% on your monthly contribution by using one of the 120 world-class Fedhealth GRID network hospitals conviently located across South Africa for all planned procedures. If you need emergency treatment, this hospital cover will ensure you’re always taken to the nearest facility for stabilising treatment.
Save 10% with a GRID option
Elect Hospitals
To enjoy 25% off your monthly contribution, you can use any private hospital for all planned procedures but pay a R14 700 co-payment. In the case of an emergency, you will always be taken to the nearest facility for stabilising treatment.
Save 25% with an Elect option
Need more detail?
Benefits we cover
In Hospital Cover
- Here are the procedures and treatments that take place in-hospital which you’re covered for under this option.
- There's no overall annual limit for hospitalisation, so you enjoy financial peace of mind in case you or your kids need to be admitted.
- Our unlimited maternity cover with network GPs and specialists ensures less stress about finances during your pregnancy.
- Enjoy the peace and privacy offered by a private ward during your delivery.
- Network GPs and specialists are covered unlimited at cost, so while your little ones build up their immune systems, you'll enjoy great care and cover!
- Non-network GPs, specialists and other healthcare providers are covered up to 100% of the Fedhealth Rate.
- We offer an oncology benefit of R350 000.
- Enjoy a specialised drug benefit for childhood illnesses up to the age of 18.
*Available at network GP’s & specialists
Chronic Benefits
- You’re covered for 27 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 pharmarcy of your choice. Intermediate formulary and the Medicine Price List (MPL) apply.
- You also have a benefit of R3 200 per family for attention deficit hyperactivity disorder, depression, generalised anxiety disorder and post-traumatic stress disorder.
*Intermediate formulary and the Medicine Price List (MPL) apply.
Screening Benefits
- Keep you and your kids in tip-top health with cover for a range of preventative healthcare assessments and tests:
- Get a free flu vaccination for everyone in the family once a year!
- Get cover for your children’s immunisations from birth to 12 years (as per the State EPI).
- An HPV vaccine for all female beneficiaries aged 9 - 16 years. This benefit covers 2 doses per lifetime.
- We cover one pap smear (cervical cancer screening) every three years for women aged 21 to 65.
- We cover 1 HPV PCR test every 5 years for women aged 21 - 65.
- We cover one cholesterol screening (full lipogram) every five years for anyone in your family over the age of 20.
- We cover one HIV finger prick test per year for all members.
- 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.
- We cover one Prostate-Specific Antigen (PSA) test per year for men aged 45 to 69.
Additional Benefits
- Want to make sure all bases are covered when it comes to your family’s health? Enjoy extras with things like professional medical advice and a transport service when you need post-hospitalisation check-ups.
- 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.
- 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!
Your day-to-day benefits
Fedhealth’s flexiFED medical aid plans help your money go further by covering you for a range of day-to-day benefits from Risk, and not your Fedhealth Savings. This means members can save a significant amount since they can use their Fedhealth Savings for other expenses instead.
Benefits Unique To Fedhealth
- Medical expenses increased with an expanding family? Upgrade to a higher option ANY TIME of the year within 30 days of a life-changing event, like the diagnosis of a dread disease.
- We cover take-home medicine for seven days per hospital event at 100% of the Medicine Price List.
- Cover for follow-up treatment for 30 days after being discharged from hospital. These include physio, x-rays and pathology.
- Receive trauma treatment at a casualty ward whether you’re admitted to the hospital or not. An 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 Fedhealth if you get pre-authorisation from us*.
*The first R2 810 for non-PMBs (Prescribed Minimum Benefits) MRI/CT scans are paid from your Fedhealth savings account.
Threshold Benefits
The Threshold Benefit pays for members’ day-to-day expenses once claims have accumulated up to the required level
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.
*Your threshold limit ranges between R7 000 and R17 400 depending on your medical aid plan and the number of dependants
For our pregnant members:
- If you’re pregnant, you can register for the FREE 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 doulas 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? Use the Paed-IQ advice line for all your paediatric questions.
Lifestyle Benefits
- Female contraception including oral, patches, contraceptive rings, certain injectables and IUDs that include Mirena*
*These need to be prescribed by a GP or gynae and can not be prescribed for acne.
Frequently asked questions
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Calculate Monthly Payment
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Dependants
Adult Dependants
Child Dependants (Under 25)
Choose Your Type of Plan
Hospital Discount Structures
Total Contributions
R0 Risk cover (main member)
R0 Dependant/s contribution
R0 Day-to-day portion
R0 p/m
Annual day-to-day: R0 p/y
*Calculations are not final and does not include any late joiner penalties or pro rate amounts
Having trouble choosing ?
Want to check out other plans?
Need a medical aid quote?
Tell us about you and your healthcare needs, and we’ll suggest a medical aid plan that closely matches your needs and budget
