At a glance
- Plan type
- Hospital plan with network GP and day-to-day care
- Hospitals
- Network hospitals
- Hospital and specialists
- 100% of Scheme tariff
- Day-to-day costs
- Day-to-day benefits
- Chronic conditions
- 26
- Cancer
- PMB level of care
- 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 Traditional Plans Rates and Benefits Guide 2027, p6. Its 2027 benefits are not in our records yet. You pay for up to 3 children.
| Member | 2026 | 2027 | Change |
|---|---|---|---|
| Main member | R1 940 | R1 940 | +0.0% |
| Adult dependant | R1 845 | R1 845 | +0.0% |
| Child | R870 | R870 | +0.0% |
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
Network hospitals only (sureFED Network)
Fedhealth 2026 Traditional options Rates Benefits Guide DIGITAL - sureFed, p15
Hospitals
2027 not in our records yet. 2026: Network hospitals only (sureFED Network)
Fedhealth 2026 Traditional options Rates Benefits Guide DIGITAL - sureFed, p15 (2026)
Specialists in hospital
100% of Scheme tariff. A specialist who charges more leaves a shortfall.
Fedhealth 2026 Traditional options Rates Benefits Guide DIGITAL - sureFed, p14
Specialists in hospital
2027 not in our records yet. 2026: 100% of Scheme tariff. A specialist who charges more leaves a shortfall.
Fedhealth 2026 Traditional options Rates Benefits Guide DIGITAL - sureFed, 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
26 conditions (the 27 on the Chronic Disease List plus others the scheme adds).
Chronic conditions
2027 not in our records yet. 2026: 26 conditions (the 27 on the Chronic Disease List plus others the scheme adds).
(2026)
Cancer
Cover at the PMB level of care, through ICON.
Fedhealth 2026 Traditional options Rates Benefits Guide DIGITAL - sureFed, p11
Cancer
2027 not in our records yet. 2026: Cover at the PMB level of care, through ICON.
Fedhealth 2026 Traditional options Rates Benefits Guide DIGITAL - sureFed, p11 (2026)
Day to day
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
M: 4 consultations with a nominated network GP per year, M+1+: maximum of 7 consultations with a nominated network GP per year. Virtual GP consults limited to 3 per family per annum
Fedhealth 2026 Traditional options Rates Benefits Guide DIGITAL - sureFed, p5
GP visits
2027 not in our records yet. 2026: M: 4 consultations with a nominated network GP per year, M+1+: maximum of 7 consultations with a nominated network GP per year. Virtual GP consults limited to 3 per family per annum
Fedhealth 2026 Traditional options Rates Benefits Guide DIGITAL - sureFed, p5 (2026)
Specialist visits
Limited to 2 consultations up to a maximum of R2 220 per family per year. 30% co-payment if GP referral is not obtained
Fedhealth 2026 Traditional options Rates Benefits Guide DIGITAL - sureFed, p5
Specialist visits
2027 not in our records yet. 2026: Limited to 2 consultations up to a maximum of R2 220 per family per year. 30% co-payment if GP referral is not obtained
Fedhealth 2026 Traditional options Rates Benefits Guide DIGITAL - sureFed, p5 (2026)
Prescribed medicine (acute)
Limited to R1 800 per family. Subject toacute formulary, 30% co-payment for use of non-formulary medication.
Fedhealth 2026 Traditional options Rates Benefits Guide DIGITAL - sureFed, p5
Prescribed medicine (acute)
2027 not in our records yet. 2026: Limited to R1 800 per family. Subject toacute formulary, 30% co-payment for use of non-formulary medication.
Fedhealth 2026 Traditional options Rates Benefits Guide DIGITAL - sureFed, p5 (2026)
Basic dentistry
1 visit per annum to a network dentist which includes the following: • A consultation • Intra oral radiographs • Scale and polishing • Infection control (gloves and masks) • Instrument sterilization
Fedhealth 2026 Traditional options Rates Benefits Guide DIGITAL - sureFed, p5
Basic dentistry
2027 not in our records yet. 2026: 1 visit per annum to a network dentist which includes the following: • A consultation • Intra oral radiographs • Scale and polishing • Infection control (gloves and masks) • Instrument sterilization
Fedhealth 2026 Traditional options Rates Benefits Guide DIGITAL - sureFed, p5 (2026)
Eyes (optometry)
Subject to R1 900 pb, based on a two-year benefit cycle. Subject to IsoLeso Optometrist Network.
Fedhealth 2026 Traditional options Rates Benefits Guide DIGITAL - sureFed, p5
Eyes (optometry)
2027 not in our records yet. 2026: Subject to R1 900 pb, based on a two-year benefit cycle. Subject to IsoLeso Optometrist Network.
Fedhealth 2026 Traditional options Rates Benefits Guide DIGITAL - sureFed, p5 (2026)
Basic X-rays
Subject to the Acute Medication Benefit Limit of R1 800 pf. Subject to basic protocols and a limited list of tests and specified tariff codes
Fedhealth 2026 Traditional options Rates Benefits Guide DIGITAL - sureFed, p5
Basic X-rays
2027 not in our records yet. 2026: Subject to the Acute Medication Benefit Limit of R1 800 pf. Subject to basic protocols and a limited list of tests and specified tariff codes
Fedhealth 2026 Traditional options Rates Benefits Guide DIGITAL - sureFed, p5 (2026)
Blood tests (pathology)
Subject to the Acute Medication Benefit Limit of R1 800 pf. Subject to basic protocols and a limited list of tests and specified tariff codes.
Fedhealth 2026 Traditional options Rates Benefits Guide DIGITAL - sureFed, p5
Blood tests (pathology)
2027 not in our records yet. 2026: Subject to the Acute Medication Benefit Limit of R1 800 pf. Subject to basic protocols and a limited list of tests and specified tariff codes.
Fedhealth 2026 Traditional options Rates Benefits Guide DIGITAL - sureFed, p5 (2026)
Full benefit list
Every benefit we hold for sureFED Essential, in Fedhealth’s own wording, from its 2026 documents. Fedhealth’s full 2027 list is not in our records yet.
In hospital
Hospital stay and theatre
Unlimited at Fedhealth network hospitals
Fedhealth 2026 Traditional options Rates Benefits Guide DIGITAL - sureFed, p15
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 70% of the Fedhealth Rate on sureFEDEssential and 100% of the Fedhealth Rate on sureFEDPlus.
Fedhealth 2026 Traditional options Rates Benefits Guide DIGITAL - sureFed, p14
Cancer treatment
Covered up to PMB level of care
Fedhealth 2026 Traditional options Rates Benefits Guide DIGITAL - sureFed, p11
Palliative care
Unlimited at cost at PMB level of care
Fedhealth 2026 Traditional options Rates Benefits Guide DIGITAL - sureFed, p11
Mental health admissions
No benefit unless PMB level of care
Fedhealth 2026 Traditional options Rates Benefits Guide DIGITAL - sureFed, p10
Birth (in hospital)
R6 000 co-payment for non-PMB elective caesareans
Fedhealth 2026 Traditional options Rates Benefits Guide DIGITAL - sureFed, p15
Internal prostheses
Unlimited at cost at PMB level of care
Fedhealth 2026 Traditional options Rates Benefits Guide DIGITAL - sureFed, p16
Dialysis
Unlimited at cost at PMB level of care at DSP. 40% co-payment for voluntary use of non-DSP
Fedhealth 2026 Traditional options Rates Benefits Guide DIGITAL - sureFed, p16
HIV/AIDS
Unlimited
Fedhealth 2026 Traditional options Rates Benefits Guide DIGITAL - sureFed, p16
Organ and stem cell transplants
Unlimited at cost at PMB level of care
Fedhealth 2026 Traditional options Rates Benefits Guide DIGITAL - sureFed, p16
Medicine on discharge
Limited to 7 days’ medication up to a maximum of R412 per beneficiary per admission
Fedhealth 2026 Traditional options Rates Benefits Guide DIGITAL - sureFed, p15
Step-down and sub-acute care
Unlimited at cost up to PMB level of care
Fedhealth 2026 Traditional options Rates Benefits Guide DIGITAL - sureFed, p15
Day procedures
No benefit unless PMB level of care
Fedhealth 2026 Traditional options Rates Benefits Guide DIGITAL - sureFed, p17
Day to day
GP visits
M: 4 consultations with a nominated network GP per year, M+1+: maximum of 7 consultations with a nominated network GP per year. Virtual GP consults limited to 3 per family per annum
Fedhealth 2026 Traditional options Rates Benefits Guide DIGITAL - sureFed, p5
GP visits
Limited to 2 consultations per family per year with either a non-network or a non-nominated network GP
Fedhealth 2026 Traditional options Rates Benefits Guide DIGITAL - sureFed, p5
Specialist visits
Limited to 2 consultations up to a maximum of R2 220 per family per year. 30% co-payment if GP referral is not obtained
Fedhealth 2026 Traditional options Rates Benefits Guide DIGITAL - sureFed, p5
Specialist visits
Covered up to 70% of the Fedhealth Rate & subject to the in-network specialist benefit. 30% co-payment if GP referral is not obtained
Fedhealth 2026 Traditional options Rates Benefits Guide DIGITAL - sureFed, p5
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 2026 Traditional options Rates Benefits Guide DIGITAL - sureFed, p5
Basic dentistry
1 visit per annum to a network dentist which includes the following: • A consultation • Intra oral radiographs • Scale and polishing • Infection control (gloves and masks) • Instrument sterilization
Fedhealth 2026 Traditional options Rates Benefits Guide DIGITAL - sureFed, p5
Specialised dentistry
No benefit unless PMB level of care
Fedhealth 2026 Traditional options Rates Benefits Guide DIGITAL - sureFed, p5
Auxiliary services
No benefit unless PMB level of care
Fedhealth 2026 Traditional options Rates Benefits Guide DIGITAL - sureFed, p5
Alternative healthcare
Not covered. No benefit
Fedhealth 2026 Traditional options Rates Benefits Guide DIGITAL - sureFed, p5
Medical appliances
No benefit unless PMB level of care
Fedhealth 2026 Traditional options Rates Benefits Guide DIGITAL - sureFed, p5
Prescribed medicine (acute)
Limited to R1 800 per family. Subject toacute formulary, 30% co-payment for use of non-formulary medication.
Fedhealth 2026 Traditional options Rates Benefits Guide DIGITAL - sureFed, p5
Over-the-counter medicine
Limited to R150 per script to a family limit of R600 per annum.
Fedhealth 2026 Traditional options Rates Benefits Guide DIGITAL - sureFed, p5
Chronic medicine (Chronic Disease List)
Unlimited cover for the Prescribed Minimum Benefit conditions on the Chronic Disease List (CDL)
Fedhealth 2026 Traditional options Rates Benefits Guide DIGITAL - sureFed, p9
Chronic medicine (other conditions)
Depression medication - R2 280 per beneficiary subject to an approved list of medications
Fedhealth 2026 Traditional options Rates Benefits Guide DIGITAL - sureFed, p9
Eyes (optometry)
Subject to R1 900 pb, based on a two-year benefit cycle. Subject to IsoLeso Optometrist Network.
Fedhealth 2026 Traditional options Rates Benefits Guide DIGITAL - sureFed, p5
Blood tests (pathology)
Subject to the Acute Medication Benefit Limit of R1 800 pf. Subject to basic protocols and a limited list of tests and specified tariff codes.
Fedhealth 2026 Traditional options Rates Benefits Guide DIGITAL - sureFed, p5
Basic X-rays
Subject to the Acute Medication Benefit Limit of R1 800 pf. Subject to basic protocols and a limited list of tests and specified tariff codes
Fedhealth 2026 Traditional options Rates Benefits Guide DIGITAL - sureFed, p5
MRI, CT and PET scans
Limited to R12 100 per family, in and out-of-hospital at Fedhealth Rate. First R2 800 for non-PMB MRI/ CT scans for member’s account
Fedhealth 2026 Traditional options Rates Benefits Guide DIGITAL - sureFed, p5
Procedures in the doctor’s rooms
• Gastroscopy (no general anaesthetic will be paid for) • Colonoscopy (no general anaesthetic will be paid for) • Flexible sigmoidoscopy • Indirect laryngoscopy • Removal of impacted wisdom teeth
Fedhealth 2026 Traditional options Rates Benefits Guide DIGITAL - sureFed, p5
Physiotherapy and other therapists
2 consultations per beneficiary per annum with a R75 co-payment. Covers sports and non-sports related injuries.
Fedhealth 2026 Traditional options Rates Benefits Guide DIGITAL - sureFed, p5
Contraceptives
Women up to age 55. Oral and injectable contraceptives, contraceptive patches and vaginal rings, subject to an approved list.
Fedhealth 2026 Traditional options Rates Benefits Guide DIGITAL - sureFed, p7
Care after a hospital stay
Fedhealth is one of the only medical schemes that pays for post-hospitalisation treatment for up to 30 days after discharge from hospital.
Fedhealth 2026 Traditional options Rates Benefits Guide DIGITAL - sureFed, p7
Psychologist and counselling visits
15 out-of-hospital consultations per person for major affective disorders, anorexia, bulimia and substance abuse and 12 out-of-hospital consultations per beneficiary for acute stress disorder as per PMB entitlement.
Fedhealth 2026 Traditional options Rates Benefits Guide DIGITAL - sureFed, p10
Maternity care (out of hospital)
6 antenatal (or postnatal) consultations with a midwife, network GP or gynaecologist (gynae limited to 2 consults subject to the 6 ante and/ or post-natal benefit)
Fedhealth 2026 Traditional options Rates Benefits Guide DIGITAL - sureFed, p13
Screening and prevention
Screening and prevention
All lives, 1 test every year
Fedhealth 2026 Traditional options Rates Benefits Guide DIGITAL - sureFed, p7
Conditions
The Chronic Disease List conditions are Prescribed Minimum Benefits on every medical aid. How each one works on a medical aid:
- Addison's Disease
- Asthma
- Bipolar Disorder
- Bronchiectasis
- Dysrhythmia
- Heart Failure
- Cardiomyopathy
- COPD
- Chronic Kidney Disease
- Coronary Artery Disease
- Crohn's Disease
- Type 1 Diabetes
- Type 2 Diabetes
- Epilepsy
- Glaucoma
- Haemophilia
- HIV (Human Immunodeficiency Virus)
- High Cholesterol
- Hypertension
- Hypothyroidism
- Multiple Sclerosis
- Parkinson's Disease
- Rheumatoid Arthritis
- Schizophrenia
- Systemic Lupus Erythematosus (SLE)
- Ulcerative Colitis
Fedhealth also names these on sureFED Essential’s 2026 chronic list:
Questions about sureFED Essential
Answered from Fedhealth’s documents.
Who is sureFED Essential for?
In Fedhealth’s own words (Fedhealth Traditional Plans Rates and Benefits Guide 2027, p5): “You prefer a plan that offers a defined set of day-to-day benefits You know upfront how your day-to-day benefit is allocated across individual benefit categories, e.g. GPs, medication, specialists, etc. You are covered for hospital bills”
How much does sureFED Essential cost in 2027?
From 1 January 2027: R1 940 a month for the main member, R1 845 for an adult dependant and R870 for a child. You pay for up to 3 children.
How much is sureFED Essential going up for 2027?
For the main member, from R1 940 to R1 940 a month, +0.0%.
Does sureFED Essential pay for GP visits and day-to-day costs?
It has day-to-day benefits; the fact sheet above lists what we hold.
How many chronic conditions does sureFED Essential cover?
26: the 27 on the Chronic Disease List and others the scheme adds.
Is cancer treatment covered?
Yes, at the PMB level of care, through ICON.
Until what age can children stay on as dependants?
Up to age 27.
Will I have a shortfall if my specialist charges more?
sureFED Essential 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.
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.