This refers to the procedures and treatments that take place in hospital, which you’re covered for as follows:

• There’s no overall annual limit for hospitalisation, so you get financial peace of mind should you or your children need to be admitted.
• Our unlimited maternity cover with network GPs and specialists helps keep you calm and less stressed about finances during your pregnancy.
• Enjoy the peace and seclusion of a private ward for delivery.
• Network GPs and specialists are covered unlimited at cost, so you’ll be covered as your little ones build up their immune systems.
• Non-network GPs, specialists and other healthcare providers are covered up to 100% of the Fedhealth Rate.
• Get an oncology benefit of R311 900.
• Enjoy a specialised drug benefit for childhood illnesses for your children up to the age of 18.

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 either Designated Service Provider or 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. 

flexiFED 3: Preferred Provider - Clicks, Dis-Chem, Medirite (and their courier pharmacies), and Pharmacy Direct

flexiFED 3 GRID: Preferred Provider - Clicks, Dis-Chem, Medirite (and their courier pharmacies), and Pharmacy Direct

flexiFED 3 Elect: Designated Service Provider - Clicks Direct Medicines, Dis-Chem Direct, Medirite Courier Pharmacy and Pharmacy Direct

Make sure you and your little ones stay healthy and vibrant with cover for a range of preventative healthcare assessments and tests:

• We cover one pap smear (cervical cancer screening) every three years for women aged 21 to 65.
• We cover one Prostate-Specific Antigen (PSA) per year for men aged 45 to 69.

• Get cover for your children’s immunisations from birth to 12 years (as per the State EPI).
• We cover one cholesterol screening (full lipogram) every five years for anyone in your family over the age of 20.
• Get a free flu vaccination for each of your family members once a year!
• We cover one HIV finger prick test for all members once a year.
• 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.
• NEW: From 2022 we now cover the HPV vaccine for all female beneficiaries aged 9 - 14 years. This benefit is 2 doses per lifetime. 

Bonus Benefits:

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.

• Medical expenses increased with an expanding family? Upgrade to a higher option within 30 days of a life-changing event, like a pregnancy or the diagnosis of a dread disease.
• 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!

• If you’re pregnant, you’re eligible for the 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 one up to R3 000 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? Get access to the Paed-IQ advice line for all your paediatric questions.
• We cover take-home medicine for seven days 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, such as physio, x-rays and pathology.
• Receive trauma treatment at a casualty ward whether you’re admitted to the hospital or not. A R660 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 480 for non-PMB MRI/CT scans will be for your account.
• 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).

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.