flexiFED 4

flexiFED 4

Good, solid medical cover for mature families who’re done with changing nappies. Apart from good hospital cover, it offers a MediVault and Wallet that can be used for unplanned day-to-day medical expenses, and a Threshold benefit too.

R 2 806 per month


flexiFED 4 provides solid cover to mature families who’re done with changing nappies. Apart from good hospital cover, it also offers a MediVault and Wallet for those unplanned day-to-day medical expenses, as well as a Threshold benefit once claims have accumulated to the correct level. A comprehensive medical aid plan giving you the peace of mind you need

This refers to the procedures and treatments that take place in hospital for which you enjoy cover on this option.

  • For your peace of mind, there’s no overall annual limit for hospitalisation.
  • 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.
  • You have an oncology benefit of R480 400 available.
  • You also enjoy 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 17 at either Designated Service Provider or a provider of choice

This medical aid plan option is limited to R6 100 per beneficiary up to R12 200 – once you’ve reached the annual limits after claiming medicine for the 26 CDL conditions and the 17 additional conditions, then you have unlimited cover for diseases on the CDL only. Intermediate formulary and the Medicine Price List (MPL) apply.

flexiFED 4: Preferred Provider - Clicks, Dis-Chem, MediRite, and the following courier pharmacies: Clicks Direct Medicines, Dis-Chem Direct, and Pharmacy Direct

flexiFED 4 GRID: Preferred Provider - Clicks, Dis-Chem, MediRite, and the following courier pharmacies: Clicks Direct Medicines, Dis-Chem Direct, and Pharmacy Direct

flexiFED 4 Elect: Designated Service Provider - Clicks Direct Medicines, Dis-Chem Direct, and Pharmacy Direct

This benefit includes the tests and healthcare assessments that ensure that your health is on the right track.

  • 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.
  • Children’s immunisations are covered from birth to 12 years (as per the State EPI).
  • We cover one cholesterol screening (full lipogram) every five years for everyone over the age of 20.
  • Everyone in the family enjoys 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 that includes BMI, blood pressure, finger prick cholesterol and glucose tests.
  • All members enjoy one preventative screening by a contracted wellness network provider per year that includes waist-to-hip ratio, body fat %, flexibility, posture and fitness.

We want to optimise your health even more, which is why we offer extras to this hospital plan such as professional medical advice and a transport service when you need post-hospitalisation check-ups.

  • With us, you can 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.
  • 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!
  • Call our 24-hour Emotional Wellbeing Programme support line to get you through life’s ups and downs.
  • Qualifying members can join our 12-week Weight Management Programme led by biokineticists and dieticians to make healthy lifestyle changes.
  • We cover the GoSmokeFree Smoking Cessation Programme to help members quit the smoking habit for good!

  • All pregnant members and dependants can join the Fedhealth Baby Programme.
  • We cover four consultations with a midwife in- and out-of-hospital under our postnatal midwifery benefit.
  • We cover a doula up to R3 000 per delivery.
  • We cover one test with an audiologist per infant up to the Fedhealth Rate (including consultation).
  • You have 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.
  • We will cover your follow-up treatment for 30 days once you get discharged from hospital, like physio, x-rays and pathology.
  • You benefit from trauma treatment at a casualty ward – whether you’re admitted to the hospital or not. A R630 co-payment will apply per visit for non-PMBs (if you’re not admitted to hospital straight from casualty).
  • You enjoy unlimited specialised radiology from the core benefit bundle if you get pre-authorisation from us. The first R2 380 for non-PMB MRI/CT scans will be for your account.
  • Female contraception: We cover oral, patches, contraceptive rings, certain injectables and IUDs that include 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.

  • You’ll enjoy unlimited GP visits from R1 on this option!


For more information relating to this option, download the relevant document below.


At Fedhealth we are all about control, flexibility and choice. Our flexiFED options are made one member at a time, and you can customise your Hospital/Risk cover to fit your budget and your needs perfectly.

Any Hospital

Full cover at all private hospitals

R 3 747

per month

The Any Hospital flexiFED variant offers no additional discounts. flexiFED 1 is a network hospital option, while flexiFED 2, 3, and 4 covers planned procedures at any private hospital.




Full cover at network hospitals

R 3 326

per month

In exchange, you must use Fedhealth’s Private Hospital Network for planned procedures. The network includes over 100 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 R12 500 co-payment. However, the co-payment does not apply in case of emergencies.




Full cover at any private hospital with a co-payment for elective surgery

R 2 806

per month

In exchange, you will be charged a fixed excess of R12 500 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-net- work specialists, a procedure co-payment or shortfalls because benefit limits have been exceeded.


Some people are happy to do a little extra admin if it saves them money. For other, convenience and simplicity is king. Whichever means more to you, you can choose how you want to structure your MediVault repayments,


Save up to 25% and only pay for specific day-to-day benefits when you need them – with our Flexible option.

  • 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.


Want something super simple? Let us take care of your payments with the automatic Fixed option.

  • 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.



MediVault annual cover

Total monthly contribution


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flexiFED 1

From R1 341 per month

flexiFED 2

From R 1 703 per month

flexiFED 3

From R 1 907 per month