Fedhealth Medical Aid

    Fedhealth: flexiFED 1Elect Savings

    Savings
    2026 Plan
    From R 2 490/month

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    Heads up: This is general information, not financial advice. Pricing is sourced from the official Fedhealth 2026 brochure but may change — always confirm directly with Fedhealth before joining.

    Monthly Contributions

    Main memberR 2 490
    Adult dependantR 1 947
    Child dependantR 909

    Max 3 children billed. Child rates apply up to age 27.

    Hospital Cover

    Limit: Unlimited
    Network: Any private hospital
    Co-payment per admission: R 15 950

    R15,950 fixed co-payment for planned procedures at any private hospital. Emergencies waived.

    Chronic Cover

    27 conditions covered (27 PMB + 0 additional)
    Pharmacy: Any pharmacy (CDL formulary)
    Non-formulary co-pay: 25%

    Maternity

    12 antenatal consultations
    2 ultrasound scans

    Maternity programme + private ward cover (flexiFED 3 & 4).

    Plan highlights

    • Lower premium via R15,950 hospital co-payment
    • R5,508 annual day-to-day savings
    • 27 PMB chronic conditions in full

    Who is flexiFED 1Elect Savings for?

    • Members who want flexibility — use savings for any healthcare expense
    • People with predictable but not heavy day-to-day usage
    • Budget-conscious members looking for entry-level cover

    This is general guidance. Use our free calculator to see whether this plan matches your specific needs and budget.

    What's covered

    • Unlimited hospital cover at any private hospital
    • 27 chronic conditions (27 PMB + 0 additional)
    • 12 antenatal consultations
    • 2 pregnancy ultrasound scans
    • All Prescribed Minimum Benefits (PMB) — required by South African law

    What to watch out for

    • Non-formulary chronic medication is subject to a 25% co-payment
    • Chronic conditions outside the 27 statutory PMB list
    • Cosmetic procedures, alternative therapies and certain elective treatments
    • Out-of-hospital costs above your annual day-to-day limit (where applicable)

    Compare with similar Fedhealth plans

    flexiFED 1 Hospital

    Hospital Plan
    From R 2 630/month
    27 chronic conditions
    Any private hospital

    flexiFED 1Elect Hospital

    Hospital Plan
    From R 2 051/month
    27 chronic conditions
    Any private hospital

    flexiFED 1 Savings

    Savings
    From R 3 062/month
    27 chronic conditions
    Any private hospital

    Frequently asked questions

    Find my best plan See all Fedhealth plansOfficial brochure

    Source: Fedhealth flexiFED Savings Plans Rates & Benefits Guide 2026 — accessed 2026-04-28.

    All benefits and limits are per calendar year, unless otherwise stated.

    Managed Care protocols apply.

    All benefits are approved by the Council for Medical Schemes.

    PMB = Prescribed Minimum Benefits. DSP = Designated Service Provider.

    Pricing and benefits sourced from the official 2026 Fedhealth Rates & Benefits Guides. Final premiums confirmed by Fedhealth at application.