flexiFED 4
flexiFED 4
From
- Mature families, Peace of mind cover, Unlimited GP visits
flexiFED 4 provides solid family medical aid cover for more mature households whose kids are no longer toddling about.
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Immediate access to unlimited network GP visits
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Solid chronic disease cover for 18 additional conditions
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Generous day-to-day back-up plan that’s there if/when you need it
Need more detail?
Want to check out other plans?
flexiFED 4
flexiFED 4
From
- Mature families, Peace of mind cover, Unlimited GP visits
Your mature family has varying health needs. Our benefit-rich hospital plan with generous (optional) day-to-day savings will take care of all members of your family.
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Immediate access to unlimited network GP visits
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Solid chronic disease cover for 18 additional conditions
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Generous day-to-day back-up plan that’s there if/when you need it
Need more detail?
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
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.
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!
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.
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 need R600 worth of medication for this one-time flu.
- Simply activate the R600 from your Fedhealth Savings 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.
Here’s how it would work:
- You need R600 worth of medication for this one-time flu.
- Simply activate the R600 from your Fedhealth Savings 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
In summary:
You spent R600 of your Savings:
R600 / 12 = R50 pm
Added to your monthly payment:
Eg: R956 + R50 = R1006pm for the rest of the year
Instead of paying R2 000 p/m for traditional savings, you only spend the R50 p/m to pay back what you’ve used.
Added to your monthly payment:
Eg: R956 + R50 = R1006pm 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.
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 2025. Emergency treatment at these 6 hospitals, however, will be covered in full without a co-payment but elective procedures will attract a R8 840 co-payment
*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 6 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 conveniently 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% on your monthly contribution by using one of the 120 world-class Fedhealth GRID network hospitals conveniently 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.
To enjoy 25% off your monthly contribution, you can use any private hospital for all planned procedures but pay a R15 470 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
Benefits we cover
In Hospital Cover
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Here are the procedures and treatments that take place in-hospital which you’re covered for under this option.
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There’s no overall annual limit for hospitalisation, so enjoy the peace of mind of knowing that you’re covered no matter what.
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Network GPs and specialists are covered unlimited at cost.
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Non-network GPs, specialists and other healthcare providers are covered up to 100% of the Fedhealth Rate.
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You benefit from unlimited maternity cover with network GPs and specialists.
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An oncology benefit of R499 100 is available should you need it.
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You also get a childhood illness specialised drug benefit for children up to 18.
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Here are the procedures and treatments that take place in-hospital which you’re covered for under this option.
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There’s no overall annual limit for hospitalisation, so enjoy the peace of mind of knowing that you’re covered no matter what.
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Network GPs and specialists are covered unlimited at cost.
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Non-network GPs, specialists and other healthcare providers are covered up to 100% of the Fedhealth Rate.
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You benefit from unlimited maternity cover with network GPs and specialists.
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An oncology benefit of R499 100 is available should you need it.
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You also get a childhood illness specialised drug benefit for children up to 18.
*Available at network GP’s & specialists
Chronic Benefits
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You’re covered for 27 chronic diseases as listed on the Chronic Disease List (CDL), PLUS an additional 18 conditions at a pharmacy of your choice.
Intermediate formulary and the Medicine Price List (MPL) apply. -
This medical aid plan is limited to R6 300 per beneficiary up to R12 600 per family. Once you’ve reached the annual limits after claiming medicine for the 27 CDL conditions and the 18 additional conditions, you will have unlimited cover for diseases on the CDL only.
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You’re covered for 27 chronic diseases as listed on the Chronic Disease List (CDL), PLUS an additional 18 conditions at a pharmacy of your choice. Intermediate formulary on flexiFED 4 with Basic formulary on flexiFED 4GRID and flexiFED 4Elect. The Medicine Price List (MPL) applies.
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This medical aid plan is limited to R6 300 per beneficiary up to R12 600 per family. Once you’ve reached the annual limits after claiming medicine for the 27 CDL conditions and the 18 additional conditions, you will have unlimited cover for diseases on the CDL only.
Screening Benefits
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Prevention is better than cure! Make sure your growing family can get all the tests and healthcare assessments they need done.
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We cover one Pap smear (cervical cancer screening) every three years for women aged 21 to 65.
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We cover 1 HPV PCR test every 5 years for women aged 21 – 65.
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We cover one Prostate Specific Antigen (PSA) test per year for men aged 45 to 69.
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Keep them protected as they grow: Children’s immunisations are covered from birth to 12 years (as per the State EPI).
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HPV vaccine for all female beneficiaries aged 9 – 16 years. This benefit covers 2 doses per lifetime.
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Check your levels: We cover one cholesterol screening (full lipogram) every five years for everyone over the age of 20.
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Protect your family in winter: Everyone gets a free flu vaccination once a year.
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We cover one HIV finger prick test for all members once a year.
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All members enjoy one wellness screening per year including BMI, blood pressure, finger prick cholesterol and glucose tests.
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Find your fitness: all members enjoy one preventative screening by a contracted wellness network provider per year including waist-to-hip ratio, body fat %, flexibility, posture and fitness.
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Prevention is better than cure! Make sure your growing family can get all the tests and healthcare assessments they need done.
-
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.
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We cover one Prostate Specific Antigen (PSA) test per year for men aged 45 to 69.
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Keep them protected as they grow: Children’s immunisations are covered from birth to 12 years (as per the State EPI).
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HPV vaccine for all female beneficiaries aged 9 – 16 years. This benefit covers 2 doses per lifetime.
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Check your levels: We cover one cholesterol screening (full lipogram) every five years for everyone over the age of 20.
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Protect your family in winter: Everyone gets a free flu vaccination once a year.
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We cover one HIV finger prick test for all members once a year.
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All members enjoy one wellness screening per year including BMI, blood pressure, finger prick cholesterol and glucose tests.
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Find your fitness: all members enjoy one preventative screening by a contracted wellness network provider per year including waist-to-hip ratio, body fat %, flexibility, posture and fitness.
Additional Benefits
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See the doctor whenever you need to: you’ll enjoy unlimited GP visits from R1 on this option!
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Boost your family’s health even more by enjoying extras on top of your hospital plan, like professional medical advice and a transport service when you need a check-up after being in hospital.
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Got a health-related question? Phone our 24-hour toll-free Nurse Line and get expert medical and health advice from qualified nurses.
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We’ll get you to your check-up! Our MediTaxi service transports you to follow-up medical treatments following a hospital stay (only in certain regions). Call 0860 333 432 and press 5 for the point-to-point service.
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Want to manage your weight better but not sure how? Qualifying members can join our 12-week Weight Management Programme led by biokineticists and dieticians, so you can make healthy and sustainable lifestyle changes.
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Quit smoking for good! We cover the GoSmokeFree Smoking Cessation Programme so you can kick the smoking habit once and for all.
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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.
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See the doctor whenever you need to: you’ll enjoy unlimited GP visits from R1 on this option!
-
Boost your family’s health even more by enjoying extras on top of your hospital plan, like professional medical advice and a transport service when you need a check-up after being in hospital.
-
Got a health-related question? Phone our 24-hour toll-free Nurse Line and get expert medical and health advice from qualified nurses.
-
We’ll get you to your check-up! Our MediTaxi service transports you to follow-up medical treatments following a hospital stay (only in certain regions). Call 0860 333 432 and press 5 for the point-to-point service.
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Get help when you need it most: Call our USSD call-back service, SOS Call Me, to access Emergency Medical Services, the Fedhealth Nurse Line or MediTaxi – free of charge.
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Want to manage your weight better but not sure how? Qualifying members can join our 12-week Weight Management Programme led by biokineticists and dieticians, so you can make healthy and sustainable lifestyle changes.
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Quit smoking for good! We cover the GoSmokeFree Smoking Cessation Programme so you can kick the smoking habit once and for all.
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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.
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.
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
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Life can change in an instant: Upgrade to a higher option ANY TIME of the year within 30 days of a life-changing event, like a pregnancy or being diagnosed with a serious illness.
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We cover take-home medicine for seven days to a maximum of R400 per beneficiary per hospital event at 100% of the Medicine Price List.
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Get cover for follow-up treatment for 30 days once you’re discharged from hospital, like physio, x-rays and pathology.
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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).
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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.
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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).
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Life can change in an instant: Upgrade to a higher option ANY TIME of the year within 30 days of a life-changing event, like a pregnancy or being diagnosed with a serious illness.
-
We cover take-home medicine for seven days to a maximum of R400 per beneficiary 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, like physio, x-rays and pathology.
-
Receive trauma treatment at a casualty ward – whether you’re admitted to the hospital or not. An R850 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 960 for non-PMB MRI/CT scans will be for your account.
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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).
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:
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Once your claims have accumulated to a pre-determined Threshold level, any further claims will be paid from the Threshold Benefit, with a 20% co-payment for your account on all claims paid from the Threshold benefit (except claims for network specialists). Certain day-to-day expenses are limited.
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Once your claims have accumulated to a pre-determined Threshold level, any further claims will be paid from the Threshold Benefit, with a 20% co-payment for your account on all claims paid from the Threshold benefit (except claims for network specialists). Certain day-to-day expenses are limited.
*Your threshold limit ranges between R18 500 and R42 700 depending on the number of dependants
*Your threshold limit ranges between R21 200 and R46 600 depending on the number of dependants
For our pregnant members:
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Get access to our Fedhealth Baby Programme for great discounts, gifts and parenting advice.
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Our postnatal midwifery benefit includes four consultations with a midwife in- and out-of-hospital.
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Want to use a doula? We cover doulas up to R3 600 per delivery.
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We cover one test with an audiologist per newborn up to the Fedhealth Rate (including consultation).
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Worried sick about your child? Use the Paed-IQ advice line for all your paediatric questions.
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Get access to our Fedhealth Baby Programme for great discounts, gifts and parenting advice.
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Our postnatal midwifery benefit includes four consultations with a midwife in- and out-of-hospital.
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Want to use a doula? We cover doulas up to R3 600 per delivery.
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We cover one test with an audiologist per newborn up to the Fedhealth Rate (including consultation).
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Worried sick about your child? Use the Paed-IQ advice line for all your paediatric questions.
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
