flexiFED 2
flexiFED 2
From
- Maternity cover, Mental health, Young families
flexiFED 2 is the perfect hospital plan for young families, with generous maternity and childhood cover to make your parenthood journey a breeze.
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Great maternity & childhood benefits
-
Mental health benefits for your peace of mind
-
Basic dentistry once in Threshold level
Need more detail?
Want to check out other plans?
flexiFED 2
flexiFED 2
From
- Maternity cover, Mental health, Young families
flexiFED 2 is the perfect hospital plan for young families, with generous maternity and childhood cover to make your parenthood journey a breeze.
-
Great maternity & childhood benefits
-
Mental health benefits for your peace of mind
-
Basic dentistry once in Threshold level
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
More info
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’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.
- 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:
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.
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 R50 p/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 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
*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
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
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.
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
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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 you can rest easy knowing you’re always covered.
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Get unlimited maternity cover with network GPs and specialists.
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For non-maternity related care, network GPs and specialists are also 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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Benefit from an oncology benefit of R311 900, when you need it most.
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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 you can rest easy knowing you’re always covered.
-
Get unlimited maternity cover with network GPs and specialists.
-
For non-maternity related care, network GPs and specialists are also covered unlimited at cost.
-
Non-network GPs, specialists and other healthcare providers are covered up to 100% of the Fedhealth Rate.
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Benefit from an oncology benefit of R311 900, when you need it most.
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You also get a childhood illness specialised drug benefit for children up to 18.
Chronic Benefits
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While this is a hospital plan, you’re still covered for 27 chronic diseases as listed on the Chronic Disease List (CDL). This means you get unlimited cover for diseases on the CDL at any pharmacy.
Intermediate formulary on flexiFED 2 with Basic formulary on flexiFED 2GRID and flexiFED 2Elect. The Medicine Price List (MPL) applies.
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While this is a hospital plan, you’re still covered for 27 chronic diseases as listed on the Chronic Disease List (CDL). This means you get unlimited cover for diseases on the CDL at any pharmacy.
Intermediate formulary and the Medicine Price List (MPL) apply.
Screening Benefits
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All the tests and healthcare assessments you need to ensure that your family’s health is always on track.
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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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An HPV vaccine for all female beneficiaries aged 9 – 16 years. This benefit covers 2 doses per lifetime.
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We cover 1 HPV PCR test every 5 years for women aged 21 – 65.
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Everyone in the family enjoys a free flu vaccination once a year!
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Children’s immunisations from birth to 12 years (as per the State EPI) are covered.
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We cover one cholesterol screening (full lipogram) every five years for everyone over the age of 20.
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We cover one HIV finger prick test for all our members once a year.
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Know your stats: Enjoy one wellness screening per year including BMI, blood pressure, finger prick cholesterol and glucose tests.
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Keep healthy: Benefit from one preventative screening by a contracted wellness network provider per year that includes waist-to-hip ratio, body fat %, flexibility, posture and fitness.
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We cover one Prostate Specific Antigen (PSA) test per year for men aged 45 to 69.
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All the tests and healthcare assessments you need to ensure that your family’s health is always on track.
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We cover one Pap smear (cervical cancer screening) every three years for women aged 21 to 65.
-
An HPV vaccine for all female beneficiaries aged 9 – 16 years. This benefit covers 2 doses per lifetime.
-
We cover 1 HPV PCR test every 5 years for women aged 21 – 65.
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Everyone in the family enjoys a free flu vaccination once a year!
-
Children’s immunisations from birth to 12 years (as per the State EPI) are covered.
-
We cover one cholesterol screening (full lipogram) every five years for everyone over the age of 20.
-
We cover one HIV finger prick test for all our members once a year.
-
Know your stats: Enjoy one wellness screening per year including BMI, blood pressure, finger prick cholesterol and glucose tests.
-
Keep healthy: Benefit from one preventative screening by a contracted wellness network provider per year 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
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We want your family to be as healthy as possible, so that’s why we offer bonus extras to this hospital plan including professional medical advice and a convenient transport service when you need to have a check-up after being in hospital.
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Want access to a qualified nurse from the comfort of your home? Phone our 24-hour toll-free Nurse Line for medical and health advice you can trust.
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Got a question about your baby’s health? You have access to the Paed-IQ advice line for all your paediatric questions.
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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 certain regions).
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Run out of airtime? Use 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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Qualifying members can join our 12-week Weight Management Programme led by biokineticists and dieticians to make healthy lifestyle changes.
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Ditch those cigarettes: We cover the GoSmokeFree Smoking Cessation Programme to help members quit smoking for good.
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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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We want your family to be as healthy as possible, so that’s why we offer bonus extras to this hospital plan including professional medical advice and a convenient transport service when you need to have a check-up after being in hospital.
-
Want access to a qualified nurse from the comfort of your home? Phone our 24-hour toll-free Nurse Line for medical and health advice you can trust.
-
Got a question about your baby’s health? You have access to the Paed-IQ advice line for all your paediatric questions.
-
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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Qualifying members can join our 12-week Weight Management Programme led by biokineticists and dieticians to make healthy lifestyle changes.
-
Ditch those cigarettes: We cover the GoSmokeFree Smoking Cessation Programme to help members quit smoking for good.
-
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 changes so fast. With us, you can 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 per hospital event at 100% of the Medicine Price List.
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We’ll cover your follow-up treatment for 30 days once you get discharged from hospital, like physio, x-rays and pathology
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Get 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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You benefit from unlimited specialised radiology paid by Fedhealth 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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Life changes so fast. With us, you can 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.
-
We’ll cover your follow-up treatment for 30 days once you get discharged from hospital, like physio, x-rays and pathology
-
Get 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).
-
You benefit from unlimited specialised radiology paid by Fedhealth if you get pre-authorisation from us. The first R2 960 for non-PMB MRI/CT scans will be for your 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:
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Unlimited GP visits at nominated network GPs!
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A basic dentistry benefit at a contracted dentist including x-rays, scaling and polishing, fillings, extractions and root canal – so you can keep smiling.
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Unlimited GP visits at nominated network GPs!
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A basic dentistry benefit at a contracted dentist including x-rays, scaling and polishing, fillings, extractions and root canal – so you can keep smiling.
*Your threshold limit ranges between R5 800 and R14 500 depending on the number of dependants.
*Your threshold limit ranges between R6 200 and R16 400 depending on the number of dependants.
For our pregnant members:
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Join the Fedhealth Baby Programme for gifts, advice and more.
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We cover four consultations with a midwife in- and out-of-hospital under our postnatal midwifery benefit.
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We cover one test with an audiologist per newborn up to the Fedhealth Rate (including consultation).
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Interested in using a doula during labour? We cover the cost of a doula up to R3 600 per delivery.
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Join the Fedhealth Baby Programme for gifts, advice and more.
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We cover four consultations with a midwife in- and out-of-hospital under our postnatal midwifery benefit.
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We cover one test with an audiologist per newborn up to the Fedhealth Rate (including consultation).
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Interested in using a doula during labour? We cover the cost of a doula up to R3 600 per delivery.
Lifestyle Benefits
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Female contraception including oral, patches, contraceptive rings, certain injectables and IUDs that include Mirena*
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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.
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Frequently asked questions
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Dependants
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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
