Choosing the right medical aid is one of the most important financial decisions you will ever make. It is not just about monthly premiums. It is about knowing that when you or your family needs care, you will be covered. Fedhealth has established itself as a trusted option in South Africa, offering a range of plans designed for different life stages—from young professionals just starting out to mature families seeking comprehensive cover.
This guide provides a complete overview of Fedhealth’s medical aid plans, including monthly contribution prices, benefits, and contact details. All prices reflect the most recent contribution rates following an average increase from the previous year.
Fedhealth Medical Aid Plans: Prices, Benefits & Contact Details
Overview of Fedhealth Medical Aid Plans
Fedhealth structures its plans around two main ranges: the flexiFED range for individuals and families, and the maxima range for those seeking more comprehensive cover. The table below summarises the monthly premiums for a principal member.
| Plan | D2D+ Annual Family Amount |
|---|---|
| flexiFED 1 | R3,000 |
| flexiFED 2 | R3,500 |
| flexiFED 3 | R4,000 |
| flexiFED 4 | R4,500 |
Note: These prices are for a single principal member. Adding dependants (spouse or children) increases the total monthly contribution.
Detailed Breakdown of Each Plan
flexiFED Savvy
From R1,155 per month
This is Fedhealth’s most affordable hospital plan, specifically designed for individuals who are just starting out and are digitally comfortable. It includes:
– Hospital cover for emergencies and planned procedures
– Unlimited virtual GP consultations (network)
– Access to a back-up day-to-day savings plan (pay only for what you use)
– Female contraceptive cover
This plan is ideal if you are healthy, under 35, and want the security of hospital cover without paying for extensive day-to-day benefits you may not need.
flexiFED 1
From R2,505 per month
This is an affordable, customisable hospital plan for healthy individuals on the move. Key features include:
– Full hospital cover for emergencies and planned procedures
– Optional back-up day-to-day savings (you choose how much to set aside for GP visits, dentistry, and medication)
– Trauma treatment in a casualty ward
– Maternity benefits (limited)
This plan works well if you want flexibility to add day-to-day cover only when you need it. Once you select a day-to-day savings amount, your monthly premium increases accordingly.
flexiFED 2
From R3,786 per month
If you are dreaming about starting a family, this plan is packed with maternity and childhood benefits. Highlights include:
– Comprehensive maternity benefits (antenatal visits, scans, delivery)
– Childhood benefits (immunisations, developmental screenings)
– Mental health benefits
– Optional back-up day-to-day savings
This plan is ideal for young couples planning a pregnancy or with a newborn.
flexiFED 3
From R4,320 per month
Growing families need more comprehensive cover. flexiFED 3 offers enriched maternity and childhood benefits. Features include:
– Advanced maternity cover (including multiple births if applicable)
– Enhanced childhood benefits (up to age 18)
– Optional back-up day-to-day savings
– Screening benefits for various life stages
– Chronic disease management
This plan suits families where children are getting older and health needs are expanding.
flexiFED 4
From R5,782 per month
Mature families with varying health needs find value in this benefit-rich plan. It includes:
– Unlimited GP visits (network providers) once the Threshold is reached
– Generous optional day-to-day savings
– R4,500 annual Day-to-Day Plus (D2D+) benefit for additional expenses after completing a Health Risk Assessment
– Mental health benefits
– Comprehensive chronic and oncology cover
Once you are in Threshold, claims from GP and specialist visits, basic dentistry, prescribed medication, pathology, and general radiology are fully covered.
maxima EXEC
From R9,706 per month
This comprehensive plan offers solid hospital cover and generous day-to-day savings. Highlights include:
– Full hospital cover (unlimited access to private hospitals)
– Generous day-to-day savings account
– Threshold benefit (once you meet the day-to-day limit, claims are paid from Risk)
– Oncology and chronic disease management
– Out-of-hospital benefits including specialised radiology (MRI, CT scans) paid from Risk
This plan suits individuals or couples who want robust protection without needing the absolute highest premium.
maxima PLUS
From R19,393 per month
This is Fedhealth’s flagship plan, offering complete peace of mind. Features include:
– Unlimited hospital cover at all private hospitals
– Very generous day-to-day savings
– Out-of-Hospital Emergency Benefit (OHEB)
– Threshold benefit
– All managed care programmes fully included
– Unlimited GP visits from the first rand (depending on the network)
This plan is for mature members with greater healthcare needs who want to leave nothing to chance.
Understanding the D2D+ Day-to-Day Benefit
Fedhealth has introduced a Day-to-Day Plus (D2D+) benefit for flexiFED 1, 2, 3, and 4 members who complete a Health Risk Assessment (HRA) at a pharmacy or GP and register on the Fedhealth Member App.
Once you complete the HRA, you unlock an extra annual amount to use for day-to-day expenses, which does not accumulate toward your Threshold.
| Plan | D2D+ Annual Family Amount |
|---|---|
| flexiFED 1 | R3,000 |
| flexiFED 2 | R3,500 |
| flexiFED 3 | R4,000 |
| flexiFED 4 | R4,500 |
The D2D+ benefit covers:
– GP consultations
– Specialist consultations
– Basic dentistry
– Prescribed medication
– Pathology
– General radiology
This benefit adds even more day-to-day value for members who take proactive steps toward their health.
Unique Benefits That Set Fedhealth Apart
Fedhealth offers several benefits that are either unique to the scheme or significantly better than industry standards:
Unlimited Network GP Visits: Depending on your plan, you can visit any network GP without worrying about depletion of your day-to-day savings, either immediately or once you are in Threshold.
Child Rates up to Age 27: Fedhealth is the only open medical scheme that allows you to pay child rates for financially dependent children who are full-time students up to age 27. This can save you thousands over the course of your children’s tertiary education.
Upgrade Any Time of the Year: If you experience a life-changing event such as pregnancy or a serious illness diagnosis, you can upgrade to a higher coverage plan immediately—not only during annual renewal periods.
30-Day Post-Hospitalisation Benefit: Following a hospital stay, Fedhealth covers necessary follow-up treatments like physiotherapy, x-rays, and pathology for 30 days—paid from Risk, not your day-to-day savings.
Trauma Treatment at Casualty Ward: Injuries requiring medical treatment such as stitches or setting a fractured bone are covered whether or not you are admitted to hospital.
Hospital at Home: Fedhealth offers a Hospital at Home benefit that brings essential elements of in-patient care to a patient’s home, including real-time patient monitoring.
Paediatric Support with Paed-IQ: A telephonic advice line exclusive to members with children up to 14 years old.
Genetic Testing through Intelligene: Fedhealth is one of the first open medical schemes to offer precision medicine-based genetic testing directly to members.
Managed Care Programmes
Fedhealth provides several managed care programmes to support members with specific health conditions:
Mental Health Programme: Gives qualifying members access to excellent primary mental healthcare.
Oncology Management: Support for cancer sufferers, including cover for chemotherapy, radiotherapy, approved medication, related consultations, pathology, and general radiology.
HIV Management (AfA): Comprehensive support for members living with HIV.
Back and Neck Rehabilitation Programme: A multidisciplinary, exercise-based treatment plan for chronic back and neck pain.
Weight Management Programme: A 12-week intervention for qualifying members available every two years.
GoSmokeFree: A programme to help members quit smoking for good.
Contact Details for Fedhealth
You can reach Fedhealth through multiple channels.
Customer Contact Centre
Phone: 0860 002 153
This is the main number for member enquiries, claims, benefit information, and general assistance. Customer care agents can also help you nominate a GP or process administrative requests.
AI Chatbot (Naledi)
Fedhealth has introduced Naledi, an AI agent available on their website. You can ask Naledi general questions or specific information about medical aid plans, such as “how much does flexiFED 2 cost?”
Disclaimer: Responses are for informational purposes only. Members should verify benefit-related queries with a Fedhealth staff member before making decisions. Official quotations can only be issued by an authorised Financial Services Provider (FSP).
Email: member@fedhealth.co.za
Use this email for non-urgent enquiries, such as nominating a GP or submitting documentation.
Physical Address
37 Conrad Street
Florida North
Roodepoort, 1709
Gauteng, South Africa
Website: www.fedhealth.co.za
The website includes a plan comparison tool, a member portal, and the AI chatbot Naledi.
Frequently Asked Questions
How much are Fedhealth’s contribution increases?
Fedhealth implemented an average increase recently, among the higher adjustments in the open medical scheme market but lower than the sharp hikes experienced in previous years.
What is the difference between flexiFED and maxima?
flexiFED plans are customisable hospital plans with optional day-to-day savings, allowing you to control costs. maxima plans are comprehensive, offering generous day-to-day savings, threshold benefits, and higher overall cover limits.
Can I add day-to-day cover to a hospital plan?
Yes. flexiFED plans allow you to add an optional back-up day-to-day savings component. You choose the amount you want to set aside for GP visits, dentistry, and medication. This increases your monthly premium but gives you access to out-of-hospital benefits.
What is the Day-to-Day Plus (D2D+) benefit?
By completing a Health Risk Assessment and registering on the Fedhealth app, flexiFED members can unlock an extra annual amount (up to R4,500 per family) for day-to-day expenses. Claims paid from D2D+ do not accumulate toward your Threshold.
Does Fedhealth offer maternity benefits?
Yes. flexiFED 2, 3, and 4 offer comprehensive maternity benefits, including antenatal visits, scans, and delivery. flexiFED 1 offers limited maternity benefits.
How do I nominate a GP?
You can nominate a GP by phoning the Customer Contact Centre on 0860 002 153 or emailing member@fedhealth.co.za with the GP’s name and practice number.
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Summary
Fedhealth offers a well-structured range of medical aid plans to suit different life stages and budgets. Whether you are a young professional looking for affordable hospital cover on flexiFED Savvy, a growing family needing comprehensive maternity and childhood benefits on flexiFED 2 or 3, or a mature individual seeking complete peace of mind on maxima PLUS, there is a plan designed for your needs.
Key differentiators include child rates up to age 27, the ability to upgrade any time of year, unlimited network GP visits, and the unique D2D+ benefit that rewards members who take proactive steps toward their health.
For the most accurate and personalised quote, contact Fedhealth directly via their customer contact centre at 0860 002 153 or use the AI chatbot Naledi on their website.