Fedhealth Medical Scheme
The Fedhealth medical scheme was originally established as the Reef Medical Scheme in
1936. Fedhealth is one of the oldest schemes in South Africa. Fedhealth medical aid has an
illustrious history and they continue to provide their members with various plans that make provision for the
best possible medical care.
Fedhealth boasts more than eighty thousand members,
making it not just one of the oldest but also one of the largest schemes in South
has an annual turnover of more than two
billion rand and it has more than just adequate cash reserves to honour claims from their
The law requires that schemes must have a solvency
rate of at least twenty five percent, but Fedhealth maintains a rate of more than thirty seven
medical scheme enjoys an enviable AA-
rating from the prestigious Global Credit Rating agency.
is an open scheme and is therefore
accessible to all South African citizens.
The scheme has a network of more than
four thousand seven hundred doctors and they are confident that more than ninety five percent of
their members have access to one of these doctors within a ten kilometre radius from their
The scheme also has a network of
pharmacies and they believe that all members live within ten kilometres of a pharmacy that is
part of the Fedhealth network.
What plans are offered?
The scheme believes that they have a medical plan for
everybody, ranging from straight-forward hospital plans to comprehensive cover. Their range of plans is
categorized into three series:
Ultima Series This series of plans have been designed for
people that require extensive medical cover. The plans, which include the Ultimax, the Ultima 300 and
the Ultima 200 range in price from just under two thousand rand to more than six thousand rand per
month. Members enjoy comprehensive benefits and in many cases there are no limits to the treatment that
can be accepted.
Maxima Series This is the popular range of plans on offer,
consisting of very basic hospital cover to comprehensive benefits. The series consist of six different
plans that range from less than a thousand rand a month to just under four thousand five hundred rand
per month in member contributions.
Fedhealth Blue Door Plan This plan is aimed
at people with low monthly incomes. The plan is unique in the sense that the monthly premiums paid by
members are connected to their incomes. People with low income therefore pay less. Some members pay as
little as four hundred and fifty rand per month. The plan does not offer comprehensive benefits, but it
would pay the cost of hospitalization.
What benefits does Fedhealth offer?
All the plans offer unlimited cover
for in-hospital treatment and treatment for fifty six different chronic
Children up to the age of twenty
seven pay child rates. This benefit is not offered by any other
Members can upgrade their plans at
any time they wish. Many other schemes allow this only after a
This is one of very few schemes that
offer full cover for people that take part in extreme sport or that practice potentially
Take-home medication after spending
time in hospital is included in all plans.
All plans include emergency medical
transport to a suitable treatment facility.
Cover is provided for
post-hospitalization treatment for a period of thirty days.
The scheme offer comprehensive
management programs for HIV / AIDS patients.
The Fedhealth Medical Scheme certainly offers their members extraordinary benefits. Their
various plans will suit just about any need and budget. You can read more about how to change your medical
scheme here. © Medical Aid
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