Fedhealth Medical Aid

    Fedhealth: flexiFED 3Elect Hospital

    Hospital Plan
    2026 Plan
    From R 3 705/month

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    From 1 January 2027

    2027 prices are out

    R4 205

    main member / month

    Main member

    R3 705R4 205
    ▲ 13.5%

    Adult dependant

    R3 398R3 857
    ▲ 13.5%

    Child dependant

    R1 314R1 491
    ▲ 13.5%

    Family of four (2 adults + 2 kids): R9 731 in 2026 → R11 044 in 2027, an extra R1 313 a month.

    Source: Fedhealth 2027 Rates and Benefits Guides. Benefits shown on this page are 2026 until we load the 2027 benefit changes. Compare every 2027 increase

    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 3 705
    Adult dependantR 3 398
    Child dependantR 1 314

    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

    44 conditions covered (27 PMB + 17 additional)
    Pharmacy: Any pharmacy (CDL formulary)
    Non-formulary co-pay: 25%

    Maternity

    12 antenatal consultations
    2 ultrasound scans

    Maternity programme includes antenatal classes, postnatal midwife consults and Doula benefits.

    Plan highlights

    • 25% lower premium than flexiFED 3 Hospital
    • Any private hospital with R15,950 fixed co-payment for planned admissions
    • 44 chronic conditions covered
    • Comprehensive in-hospital benefits

    Who is flexiFED 3Elect Hospital for?

    • People who only need cover for emergencies and hospitalisation
    • Younger, generally healthy members who pay for GP visits and medication out of pocket

    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
    • 44 chronic conditions (27 PMB + 17 additional)
    • 12 antenatal consultations
    • 2 pregnancy ultrasound scans
    • All Prescribed Minimum Benefits (PMB) — required by South African law

    What to watch out for

    • GP consultations (you pay out of pocket)
    • Acute medication from your local pharmacy
    • Routine dental check-ups and optometry
    • Non-formulary chronic medication is subject to a 25% co-payment
    • 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 2GRID Hospital

    Hospital Plan
    From R 3 719/month
    35 chronic conditions
    Comprehensive network

    flexiFED 2Elect Savings

    Savings
    From R 3 810/month
    35 chronic conditions
    Any private hospital

    flexiFED 2 Hospital

    Hospital Plan
    From R 4 147/month
    35 chronic conditions
    Any private hospital

    Frequently asked questions

    Find my best plan See all Fedhealth plansOfficial brochure

    Source: Fedhealth flexiFED Hospital 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.