Fedhealth flexiFED 4Elect (Savings): 2027 contributions and benefits

At a glance

Plan type: Comprehensive plan
Hospitals: Any private hospital
Hospital and specialists: 100% of Scheme tariff
Savings account: R0 a month for the main member (0%)
Chronic conditions: 45
Cancer: R514 570 a year
Children you pay for: Up to 3
Children on the plan to age: 27

Fedhealth’s 2027 benefits are not in our records yet. Its 2027 contributions are below.

Monthly contributions

2027 rates take effect on 1 January 2027. 2027 contributions: Fedhealth flexiFED Savings Plans Rates and Benefits Guide 2027, p41. Its 2027 benefits are not in our records yet. You pay for up to 3 children.

Member	2026	2027	Change
Main member	R6 285	R7 008	+11.5%
Adult dependant	R5 832	R6 505	+11.5%
Child	R1 921	R2 143	+11.6%

Benefits

We hold Fedhealth’s 2027 contributions; its 2027 benefit rules are not in our records yet. Each row shows the 2026 rule, marked.

Benefits in force for 2026.

In hospital

Hospitals

Any hospital

Hospitals

2027 not in our records yet. 2026: Any hospital

(2026)

Specialists in hospital

100% of Scheme tariff. A specialist who charges more leaves a shortfall.

Fedhealth maxima EXEC Individual Option brochure 2026, p14

Specialists in hospital

2027 not in our records yet. 2026: 100% of Scheme tariff. A specialist who charges more leaves a shortfall.

Fedhealth maxima EXEC Individual Option brochure 2026, p14 (2026)

Private ward

Not covered.

Fedhealth catalogue in hospital cover

Private ward

2027 not in our records yet. 2026: Not covered.

Fedhealth catalogue in hospital cover (2026)

Chronic and cancer

Chronic conditions

45 conditions (the 27 on the Chronic Disease List plus others the scheme adds).

Chronic conditions

2027 not in our records yet. 2026: 45 conditions (the 27 on the Chronic Disease List plus others the scheme adds).

(2026)

Cancer

Up to R514 570 a year.

Fedhealth flexiFED 4 Savings Plan Individual Option brochure 2026, p15

Cancer

2027 not in our records yet. 2026: Up to R514 570 a year.

Fedhealth flexiFED 4 Savings Plan Individual Option brochure 2026, p15 (2026)

Day to day

Medical savings account

0% of your contribution goes into a savings account for day-to-day costs.

Medical savings account

2027 not in our records yet. 2026: 0% of your contribution goes into a savings account for day-to-day costs.

(2026)

Maternity

Fedhealth Baby Programme, paid from the scheme’s risk benefits, not savings.

Fedhealth maxima EXEC Individual Option brochure 2026, pMaternity and childhood p10

Maternity

2027 not in our records yet. 2026: Fedhealth Baby Programme, paid from the scheme’s risk benefits, not savings.

Fedhealth maxima EXEC Individual Option brochure 2026, pMaternity and childhood p10 (2026)

Children on the plan

As dependants up to age 27.

Children on the plan

2027 not in our records yet. 2026: As dependants up to age 27.

(2026)

GP visits

On flexiFED 4GRID and flexiFED 4Elect you enjoy unlimited nominated network GP consultations from day one.

Fedhealth flexiFED 4 Savings Plan Individual Option brochure 2026, p26

GP visits

2027 not in our records yet. 2026: On flexiFED 4GRID and flexiFED 4Elect you enjoy unlimited nominated network GP consultations from day one.

Fedhealth flexiFED 4 Savings Plan Individual Option brochure 2026, p26 (2026)

Specialist visits

Network medical specialist consultations and visits (excluding psychiatrists): Paid from savings and available D2D+ benefits. Accumulates at cost to Threshold level.

Fedhealth flexiFED 4 Savings Plan Individual Option brochure 2026, p7

Specialist visits

2027 not in our records yet. 2026: Network medical specialist consultations and visits (excluding psychiatrists): Paid from savings and available D2D+ benefits. Accumulates at cost to Threshold level.

Fedhealth flexiFED 4 Savings Plan Individual Option brochure 2026, p7 (2026)

Prescribed medicine (acute)

Acute medicine — Paid from savings and available D2D+ benefits. (claims paid from D2D+ will not accumulate)

Fedhealth flexiFED 4 Savings Plan Individual Option brochure 2026, p8

Prescribed medicine (acute)

2027 not in our records yet. 2026: Acute medicine — Paid from savings and available D2D+ benefits. (claims paid from D2D+ will not accumulate)

Fedhealth flexiFED 4 Savings Plan Individual Option brochure 2026, p8 (2026)

Basic dentistry

Basic dentistry: Paid from savings or paid from available D2D+ benefits. Once Threshold level has been reached: 2 annual consultations per beneficiary incl. x-rays, scaling and polishing, fillings and extractions. Subject to contracted dentists and approved procedures.

Fedhealth flexiFED 4 Savings Plan Individual Option brochure 2026, p7

Basic dentistry

2027 not in our records yet. 2026: Basic dentistry: Paid from savings or paid from available D2D+ benefits. Once Threshold level has been reached: 2 annual consultations per beneficiary incl. x-rays, scaling and polishing, fillings and extractions. Subject to contracted dentists and approved procedures.

Fedhealth flexiFED 4 Savings Plan Individual Option brochure 2026, p7 (2026)

Eyes (optometry)

Optical benefit — Spectacle lenses, frames and/or lens enhancements: Paid from savings. Accumulates at cost to Threshold level.

Fedhealth flexiFED 4 Savings Plan Individual Option brochure 2026, p8

Eyes (optometry)

2027 not in our records yet. 2026: Optical benefit — Spectacle lenses, frames and/or lens enhancements: Paid from savings. Accumulates at cost to Threshold level.

Fedhealth flexiFED 4 Savings Plan Individual Option brochure 2026, p8 (2026)

Basic X-rays

General radiology — Paid from savings and available D2D+ benefits. Accumulates at cost to Threshold level.

Fedhealth flexiFED 4 Savings Plan Individual Option brochure 2026, p8

Basic X-rays

2027 not in our records yet. 2026: General radiology — Paid from savings and available D2D+ benefits. Accumulates at cost to Threshold level.

Fedhealth flexiFED 4 Savings Plan Individual Option brochure 2026, p8 (2026)

Blood tests (pathology)

Pathology and medical technology — Paid from savings and available D2D+ benefits. Accumulates at cost to Threshold level.

Fedhealth flexiFED 4 Savings Plan Individual Option brochure 2026, p8

Blood tests (pathology)

2027 not in our records yet. 2026: Pathology and medical technology — Paid from savings and available D2D+ benefits. Accumulates at cost to Threshold level.

Fedhealth flexiFED 4 Savings Plan Individual Option brochure 2026, p8 (2026)

Full benefit list

Every benefit we hold for flexiFED 4Elect (Savings), in Fedhealth’s own wording, from its 2026 documents. Fedhealth’s full 2027 list is not in our records yet.

In hospital

Cancer treatment

On flexiFED 4, oncology is covered up to R514 570 per family per year at the designated service provider, ICON, subject to Essential protocols.

Fedhealth flexiFED 4 Savings Plan Individual Option brochure 2026, p15

Hospital stay and theatre

Accommodation, use of operating theatres and hospital equipment, medicine, pharmaceuticals and surgical items — Unlimited at any hospital.

Fedhealth flexiFED 4 Savings Plan Individual Option brochure 2026, p19

Day procedures

R2 710 co-payment on voluntary use of non-network day surgery facilities. flexiFED 4GRID: 30% co-payment on voluntary use of non-network hospitals and non-network mental health facilities. flexiFED 4Elect: R15 950 excess on all hospital admissions except emergency admissions.

Fedhealth flexiFED 4 Savings Plan Individual Option brochure 2026, p19

Surgery and anaesthetics

Specialists and GPs on the Fedhealth network are covered in full. Specialists and GPs not on the Fedhealth network are covered up to the Fedhealth Rate.

Fedhealth flexiFED 4 Savings Plan Individual Option brochure 2026, p18

Planned PMB procedures

To have treatment for PMB conditions covered in full, use Fedhealth Network GPs, Specialists, Hospitals and DSPs where applicable. Otherwise the Scheme refunds treatment up to the Fedhealth Rate and a co-payment applies if the provider charges more.

Fedhealth flexiFED 4 Savings Plan Individual Option brochure 2026, p19

Organ and stem cell transplants

Organ tissue and haemopoietic stem cell (bone marrow) transplantation, immunosuppressive medication, post-transplantation biopsies — R321 570.

Fedhealth flexiFED 4 Savings Plan Individual Option brochure 2026, p20

Dialysis

Chronic renal dialysis — Haemodialysis and peritoneal dialysis, radiology and pathology, consultations, visits, all services, materials and medicine. R321 570 per family per year; DSP required, else 40% co-payment.

Fedhealth flexiFED 4 Savings Plan Individual Option brochure 2026, p20

Mental health admissions

Psychiatric hospitalisation: R27 220 per family. Up to 21 days of admission or up to 15 out-of-hospital consultations per beneficiary for major affective disorders.

Fedhealth flexiFED 4 Savings Plan Individual Option brochure 2026, p14

Birth (in hospital)

Not covered. Maternity confinement: Unlimited. Accommodation in a general ward, high care and intensive care unit, theatre fees, medicine, material and hospital apparatus. Private ward cover: No benefit. Delivery by Fedhealth Network GPs and specialists: Covered in full; non-network up to the Fedhealth Rate.

Fedhealth flexiFED 4 Savings Plan Individual Option brochure 2026, p19

MRI, CT and PET scans

MRI and CT scans: in and out of hospital unlimited; first R3 050 for non-PMB scans for the member's account. Oncology PET and PET/CT scans: 2 per family per annum at DSP, R5 670 co-payment for non-DSP.

Fedhealth flexiFED 4 Savings Plan Individual Option brochure 2026, p20

Internal prostheses

Prostheses and devices (internal) — combined benefit limit for all unlisted internal prostheses up to R321 570.

Fedhealth flexiFED 4 Savings Plan Individual Option brochure 2026, p20

Medicine on discharge

We cover 7 days' supply of take-home (discharge) medication, to a maximum of R412 per beneficiary per admission.

Fedhealth flexiFED 4 Savings Plan Individual Option brochure 2026, p19

Step-down and sub-acute care

Sub-acute facilities and physical rehabilitation facilities — covered subject to pre-authorisation, as an alternative to acute hospitalisation.

Fedhealth flexiFED 4 Savings Plan Individual Option brochure 2026, p19

Travel cover

Emergency Medical Benefit: Europ Assistance — cover of R5 million per person per journey (up to 45 days) for emergency medical treatment while travelling abroad.

Fedhealth flexiFED 4 Savings Plan Individual Option brochure 2026, p11

HIV/AIDS

HIV/AIDS covered as a Chronic Disease List (CDL) PMB condition — unlimited at PMB level of care on the HIV management programme; antiretroviral medication via DSP.

Fedhealth flexiFED 4 Savings Plan Individual Option brochure 2026, p13

Day to day

GP visits

On flexiFED 4GRID and flexiFED 4Elect you enjoy unlimited nominated network GP consultations from day one.

Fedhealth flexiFED 4 Savings Plan Individual Option brochure 2026, p26

GP visits

Non-network GP: Pre Threshold paid from savings or available D2D+ benefits. In Threshold: Limit of 2 consults with an out-of-network or non-nominated GP per beneficiary paid from Threshold. Thereafter paid from savings.

Fedhealth flexiFED 4 Savings Plan Individual Option brochure 2026, p7

Specialist visits

Network medical specialist consultations and visits (excluding psychiatrists): Paid from savings and available D2D+ benefits. Accumulates at cost to Threshold level.

Fedhealth flexiFED 4 Savings Plan Individual Option brochure 2026, p7

Specialist visits

Non-network medical specialist consultations and visits (excluding psychiatrists): Paid from savings at cost or from available D2D+ benefits at scheme rate. Accumulates at cost to Threshold level.

Fedhealth flexiFED 4 Savings Plan Individual Option brochure 2026, p7

Basic dentistry

Fedhealth flexiFED 4 Savings Plan Individual Option brochure 2026, p7

Specialised dentistry

Advanced dentistry (inlays, crowns, bridges, dentures, orthodontics, oral surgery, osseo-integrated implants): Paid from savings. Accumulates at cost to Threshold level.

Fedhealth flexiFED 4 Savings Plan Individual Option brochure 2026, p7

Auxiliary services

Additional medical services (audiology, dietetics, genetic counselling, hearing aid acoustics, occupational therapy, orthoptics, podiatry, private nursing, psychologists, social workers, speech therapy): Paid from savings. Accumulates at cost to Threshold level.

Fedhealth flexiFED 4 Savings Plan Individual Option brochure 2026, p7

Alternative healthcare

Alternative healthcare (acupuncture, homeopathy, naturopathy, osteopathy, phytotherapy incl. prescribed medication): Paid from savings. Accumulates at cost to Threshold level.

Fedhealth flexiFED 4 Savings Plan Individual Option brochure 2026, p7

Eyes (optometry)

Optical benefit — Spectacle lenses, frames and/or lens enhancements: Paid from savings. Accumulates at cost to Threshold level.

Fedhealth flexiFED 4 Savings Plan Individual Option brochure 2026, p8

Medical appliances

Not covered. Appliances, external accessories and orthotics (hearing aids incl. repairs, wheelchairs, glucometers, CPAP, foot orthotics): Paid from day-to-day or self-funded, accumulates to Threshold. Stoma products, oxygen therapy, home ventilators, long leg callipers: Unlimited subject to authorisation. Moon boots: R2 060 per beneficiary from Risk.

Fedhealth flexiFED 4 Savings Plan Individual Option brochure 2026, p20

Casualty visits

Trauma treatment covered unlimited up to the Fedhealth Rate. Authorisation must be obtained within 48 hours and a co-payment of R880 per visit for non-PMBs applies.

Fedhealth flexiFED 4 Savings Plan Individual Option brochure 2026, p7

Chronic medicine (Chronic Disease List)

Unlimited cover for the Prescribed Minimum Benefit conditions on the Chronic Disease List (CDL). Basic/restrictive formulary or a 30% co-payment for non-formulary medication. Scriptpharm Network Pharmacies, 30% co-payment for non-DSP.

Fedhealth flexiFED 4 Savings Plan Individual Option brochure 2026, p13

Chronic medicine (other conditions)

Additional condition covered beyond the CDL: Depression. Depression medication: R2 400 per beneficiary per annum subject to an approved list of medication.

Fedhealth flexiFED 4 Savings Plan Individual Option brochure 2026, p14

Psychologist and counselling visits

Two virtual mental health consultations per beneficiary at a nominated provider once threshold has been reached. Unlimited mental health consults in- or out-of-network pre-Threshold (self-funded).

Fedhealth flexiFED 4 Savings Plan Individual Option brochure 2026, p11

Contraceptives

Certain oral and injectable female contraceptives covered from Risk.

Fedhealth flexiFED 4 Savings Plan Individual Option brochure 2026, p6

Care after a hospital stay

30-day post-hospitalisation benefit: follow-up treatment paid from Risk for up to 30 days after discharge (physiotherapy, occupational therapy, speech therapy, ultrasounds, general radiology and pathology).

Fedhealth flexiFED 4 Savings Plan Individual Option brochure 2026, p11

Prescribed medicine (acute)

Acute medicine — Paid from savings and available D2D+ benefits. (claims paid from D2D+ will not accumulate)

Fedhealth flexiFED 4 Savings Plan Individual Option brochure 2026, p8

Hearing aids

Hearing aids including repairs — Paid from day-to-day or self-funded. Accumulates at cost to Threshold level.

Fedhealth flexiFED 4 Savings Plan Individual Option brochure 2026, p20

Maternity care (out of hospital)

Maternity benefits: antenatal/postnatal consultations with a midwife, network GP or gynaecologist; 2D antenatal scans; antenatal classes; doula benefit; postnatal midwifery; Baby Programme from the 12th week of pregnancy.

Fedhealth flexiFED 4 Savings Plan Individual Option brochure 2026, p17

Over-the-counter medicine

On flexiFED 4 savings plans, day-to-day expenses are paid from the member's available Fedhealth Savings and available D2D+ benefits.

Fedhealth flexiFED 4 Savings Plan Individual Option brochure 2026, p7

Blood tests (pathology)

Pathology and medical technology — Paid from savings and available D2D+ benefits. Accumulates at cost to Threshold level.

Fedhealth flexiFED 4 Savings Plan Individual Option brochure 2026, p8

Physiotherapy and other therapists

Physical therapy (chiropractics, biokinetics and physiotherapy) — Paid from savings. Accumulates at cost to Threshold level.

Fedhealth flexiFED 4 Savings Plan Individual Option brochure 2026, p8

Basic X-rays

General radiology — Paid from savings and available D2D+ benefits. Accumulates at cost to Threshold level.

Fedhealth flexiFED 4 Savings Plan Individual Option brochure 2026, p8

MRI, CT and PET scans

Specialised radiology — Unlimited at Fedhealth Rate. First R3 050 for non-PMB MRI/CT scans for the member's account.

Fedhealth flexiFED 4 Savings Plan Individual Option brochure 2026, p8

Procedures in the doctor’s rooms

Selected procedures in day wards, day clinics and doctor's rooms on the Fedhealth Day Surgery Network. Members must use facilities on the Fedhealth Day Surgery Network to avoid a R2 710 co-payment.

Fedhealth flexiFED 4 Savings Plan Individual Option brochure 2026, p18

Screening and prevention

Screening and prevention

Screening & wellness benefit: age- and gender-specific screenings aimed to promote early detection and healthier living (flu vaccine, HIV finger prick, cancer screenings, etc.).

Fedhealth flexiFED 4 Savings Plan Individual Option brochure 2026, p11

Conditions

The Chronic Disease List conditions are Prescribed Minimum Benefits on every medical aid. How each one works on a medical aid:

Fedhealth also names these on flexiFED 4Elect (Savings)’s 2026 chronic list:

Others on its list have no page of ours yet.

Questions about flexiFED 4Elect (Savings)

Answered from Fedhealth’s documents.

Who is flexiFED 4Elect (Savings) for?

In Fedhealth’s own words (Fedhealth flexiFED Savings Plans Rates and Benefits Guide 2027, p41): “Elect is NOT for everyone, especially not people who might need things like a hip replacement or other planned hospital procedures, but it can be a smart way to save on your medical aid costs if you’re in good health.”

How much does flexiFED 4Elect (Savings) cost in 2027?

From 1 January 2027: R7 008 a month for the main member, R6 505 for an adult dependant and R2 143 for a child. You pay for up to 3 children.

How much is flexiFED 4Elect (Savings) going up for 2027?

For the main member, from R6 285 to R7 008 a month, +11.5%.

Does flexiFED 4Elect (Savings) have a medical savings account?

Yes. 0% of your contribution goes into a savings account, which pays for day-to-day costs such as GP visits and medicine.

How many chronic conditions does flexiFED 4Elect (Savings) cover?

45: the 27 on the Chronic Disease List and others the scheme adds.

Until what age can children stay on as dependants?

Up to age 27.

Will I have a shortfall if my specialist charges more?

flexiFED 4Elect (Savings) pays specialists in hospital at 100% of the Scheme tariff. If a specialist charges more than that, the difference is a shortfall. Gap cover is the product that pays shortfalls.

Compare my picks →On this plan? Get help with it →All Fedhealth plans →Fedhealth 2027 price changes →Gap cover →

Factual information from Fedhealth Medical Scheme’s published documents. It is not advice. Compiled by Eldon de Waal, CFA, the licensed advisor behind AURA. Catalogue v175, built 2026-10-19.