flexiFED 4
flexiFED 4
Done with changing nappies and rocking littles to sleep? flexiFED 4 provides solid cover for mature families whose kids are now a bit older. Apart from comprehensive in-hospital cover, it also offers Fedhealth Savings for those unplanned day-to-day medical bills, as well as a Threshold benefit once claims have accumulated to a certain level. Get peace of mind and the certainty that your family’s health is protected from life’s knocks – with a medical aid plan you can trust.
From
R 3 805 per month
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WHAT DOES IT COVER?
Done with changing nappies and rocking littles to sleep? flexiFED 4 provides solid cover for mature families whose kids are now a bit older. Apart from comprehensive in-hospital cover, it also offers Fedhealth Savings for those unplanned day-to-day medical bills, as well as a Threshold benefit once claims have accumulated to a certain level. Get peace of mind and the certainty that your family’s health is protected from life’s knocks – with a medical aid plan you can trust.
These are the procedures and treatments that take place in hospital, that you’ll be covered for on this option:
- There’s no overall annual limit for hospitalisation, so get peace of mind knowing that you’re covered no matter what.
- You benefit from unlimited maternity cover with network GPs and specialists.
- Network GPs and specialists are covered unlimited at cost.
- Non-network GPs, specialists and other healthcare providers are covered up to 100% of the Fedhealth Rate.
- There’s an oncology benefit of R499 100 available, should you need it.
- You also get a childhood illness specialised drug benefit for children up to 18.
Get covered for 27 chronic diseases as listed on the Chronic Disease List (CDL), PLUS an additional 18 at a provider of choice
This medical aid plan option is limited to R6 300 per beneficiary up to R12 600 – once you’ve reached the annual limits after claiming medicine for the 27 CDL conditions and the 18 additional conditions, then you have unlimited cover for diseases on the CDL only. Intermediate formulary and the Medicine Price List (MPL) apply.
Make sure your growing family has all the tests and healthcare assessments they need, to ensure that their health is in the best possible shape.
- 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.
- Keep them protected as they grow: Children’s immunisations are covered from birth to 12 years (as per the State EPI).
- Check your levels: we cover one cholesterol screening (full lipogram) every five years for everyone over the age of 20.
- Get your family covered each winter: everyone can have a free flu vaccination once a year.
- We cover one HIV finger prick test for all members once a year.
- All members enjoy one wellness screening per year including BMI, blood pressure, finger prick cholesterol and glucose tests.
- 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.
- HPV vaccine for all female beneficiaries aged 9 - 16 years. This benefit is 2 doses per lifetime.
- NEW for 2024: We cover 1 HPV PCR test every 5 years for women aged 21 - 65
Bonus benefits:
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.
- Life can change in an instant: upgrade to a higher option within 30 days of a life-changing event, like a pregnancy or being diagnosed with a dread disease.
- Got a health-related question? Phone our 24-hour toll-free Nurse Line and get expert medical and health advice from qualified nurses.
- Our MediTaxi service transports you to follow-up medical treatments following a hospital stay (only certain regions).
- 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.
- 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.
- Quit smoking for good! We provide free to the GoSmokeFree Smoking Cessation Programme to help you end this very unhealthy habit.
- 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.
- Get access to our Fedhealth Baby Programme for great discounts, gifts and parenting advice.
- Our postnatal midwifery benefit includes four consultations with a midwife in- and out-of-hospital.
- Want to use a doula? We cover one up to R3 600 per delivery.
- We cover one test with an audiologist per infant up to the Fedhealth Rate (including consultation).
- Worried sick? 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, like physio, x-rays and pathology.
- Receive trauma treatment at a casualty ward – whether you’re admitted to the hospital or not. A 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 the scheme if you get pre-authorisation from us. The first R2 810 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).
Threshold Benefit
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.
- See the doctor whenever you need to: you’ll enjoy unlimited GP visits from R1 on this option!
CHOOSE HOW MUCH YOU SAVE ON HOSPITAL COVER
On Fedhealth’s flexiFED options, you choose how your medical aid cover is structured. Choose from any hospital, or enjoy a GRID or Elect discount. On GRID, you can save 10% every month in exchange for only using our network of 120 world-class hospitals. On Elect, you will enjoy a 25% saving every month by using any private hospital and paying a fixed co-payment on planned hospital procedures.
Any Hospital
Full cover at all private hospitals
R 5 081
per month
At Fedhealth we are all about control, flexibility and choice. Our flexiFED options are made one member at a time, and you can customize your Hospital/Risk cover to fit your budget and your needs perfectly.
Save
10%
GRID
Full cover at network hospitals
R 4 552
per month
In exchange, you must use Fedhealth’s Private Hospital Network for planned procedures. The network includes over 120 of South Africa’s best private hospitals and 90% of our members live within a 10-kilometre radius of these hospitals. You can still use a non-network hospital if you wish, but you will then have to pay a R14 700 co-payment. However, the co-payment does not apply in case of emergencies.
Save
25%
Elect
Full cover at any private hospital with a co-payment for elective surgery
R 3 805
per month
In exchange, you will be charged a fixed excess of R14 700 on all hospital admissions, except for emergencies. This excess however only applies to the hospital bill; you could still have co-payments on out-of-network specialists, a procedure co-payment or shortfalls because benefit limits have been exceeded
YOUR MEDICAL AID PLAN, YOUR WAY
On flexiFED, you choose how to structure your day-to-day benefits. Either use your flexiFED option as a hospital plan only and pay for your own day-to-day expenses, use it as a savings plan to get a set amount of day-to-day savings that you pay back in equal portions from January each year, or use it as a flexible savings plan and only pay for what you’ve used interest free over 12 months. Remember, Fedhealth pays more from Risk than other schemes, so even on a hospital plan, you’re already get so much more!
Hospital Plan
A hospital plan that gives you more
Keep your contributions as low as possible
Complete peace of mind
Savings Plan
Let us manage your day-to-day funds automatically.
Simplicity - you choose once and your monthly repayment will never vary.
One debit order every month.
No admin, we'll manage your day-to-day funds automatically.
Flexible Savings Plan
Pay for your day-to-day benefits when you need to use them.
You don't pay for day-to-day benefits until you use them. This could save you thousands every month.
You pay less without compromising on the quality of your benefits.
You are in full control over how much you pay for your medical aid.
MEDICAL AID THE FEDHEALTH WAY
Now that you know that you can structure your day-to-day cover, as well as which hospital network discounts are available to you, you can complete the fields below to see the flexibility of your flexiFED option in action… and what you will pay every month.
