Medical Aid Options for Families with Chronic Conditions
When someone in the family has a chronic condition, the medication benefit becomes a big deal. Not all plans cover the same conditions or medications, so it's worth looking at the specifics. Here's a comparison of what's available.
Household
family
Budget Range
R 4 000 - R 12 000/mo
Chronic Cover
Beyond PMB
Also Looking At
specialists
Closest matches for this scenario
5 of the published 2026 options whose brochure figures fit this household and budget. Ordered by how closely the published benefits match the requirements listed above — not by our opinion of the scheme.
Fedhealth: flexiFED 3Elect Hospital
Hospital Plan option — 2026
R 3 705
per month, main member
R 9 731 for two adults and two children
What the 2026 brochure publishes
- R 9 731 a month for two adults and two children on the 2026 rates.
- Unlimited hospital cover — any private hospital.
- 44 chronic conditions listed (27 PMB + 17 additional).
Hospital cover
- • Unlimited
- • Any private hospital
- • R 15 950 co-payment per admission
Chronic & day-to-day
- • 44 chronic conditions
- • No day-to-day pool on this option
- • Maternity benefit published
Fedhealth: flexiFED 3Elect Savings
Savings option — 2026
R 4 544
per month, main member
R 11 981 for two adults and two children
What the 2026 brochure publishes
- R 11 981 a month for two adults and two children on the 2026 rates.
- Unlimited hospital cover — any private hospital.
- 44 chronic conditions listed (27 PMB + 17 additional).
Hospital cover
- • Unlimited
- • Any private hospital
- • R 15 950 co-payment per admission
Chronic & day-to-day
- • 44 chronic conditions
- • No day-to-day pool on this option
- • Maternity benefit published
Fedhealth: flexiFED 2Elect Hospital
Hospital Plan option — 2026
R 3 104
per month, main member
R 7 723 for two adults and two children
What the 2026 brochure publishes
- R 7 723 a month for two adults and two children on the 2026 rates.
- Unlimited hospital cover — any private hospital.
- 35 chronic conditions listed (27 PMB + 8 additional).
Hospital cover
- • Unlimited
- • Any private hospital
- • R 15 950 co-payment per admission
Chronic & day-to-day
- • 35 chronic conditions
- • No day-to-day pool on this option
- • Maternity benefit published
Fedhealth: flexiFED 2Elect Savings
Savings option — 2026
R 3 810
per month, main member
R 9 475 for two adults and two children
What the 2026 brochure publishes
- R 9 475 a month for two adults and two children on the 2026 rates.
- Unlimited hospital cover — any private hospital.
- 35 chronic conditions listed (27 PMB + 8 additional).
Hospital cover
- • Unlimited
- • Any private hospital
- • R 15 950 co-payment per admission
Chronic & day-to-day
- • 35 chronic conditions
- • No day-to-day pool on this option
- • Maternity benefit published
Fedhealth: flexiFED 2 Hospital
Hospital Plan option — 2026
R 4 147
per month, main member
R 10 285 for two adults and two children
What the 2026 brochure publishes
- R 10 285 a month for two adults and two children on the 2026 rates.
- Unlimited hospital cover — any private hospital.
- 35 chronic conditions listed (27 PMB + 8 additional).
Hospital cover
- • Unlimited
- • Any private hospital
- • No per-admission co-payment published
Chronic & day-to-day
- • 35 chronic conditions
- • No day-to-day pool on this option
- • Maternity benefit published