Create-your-Aid process

True customisation is more important than ever. 2020 has affected every household differently and while spending ability is down for most South African families, medical aid has moved up the list of priorities for most.

Where the Fedhealth product truly differs in 2021, is that life stages only serve as the foundation of each flexiFED product, on which members can customise their medical aid product down to the last detail.

We’ve developed the four-step Create-your-Aid process to help our members do just that:

Step 1: Choose your Risk cover

This process starts by selecting the most appropriate flexiFED option based on life stage:

flexiFED 1 for young and healthy single people and couples

flexiFED 2 for starter families

flexiFED 3 for young and still growing families

flexiFED 4 for mature families looking for complete, all-round cover

Keep in mind that Fedhealth allows members to upgrade their option at any time of the year in case of a life-changing event such as pregnancy or the diagnosis of a dread disease. So your employees can choose the option they need right now… and upgrade later if need be.

Plus, all flexiFED options include unique benefits (such as unlimited network GP visits) as part of the Risk cover. Regardless of which flexiFED option your employees choose, they will have access to all these benefits, which means that their day-to-day benefits will last longer.

Step 2: Choose your Risk contribution discounts

The second step is to choose the flexiFED variant and subsequent discount it has to offer.

“Any-Hospital” flexiFED options offer full cover at any private hospital, except flexiFED 1, which is a network hospital option by default.

GRID variants offer full private hospital cover at network hospitals and reduce a member’s contribution by 11%.

Elect offers full cover at any private hospital with a R12 500 co-payment for elective surgery, in exchange for a 25% discount on the member’s monthly contribution.

Step 3: Choose your repayment structure

Your employees choose how they’d like to repay their MediVault for day-to-day medical expenses. On our FLEXIBLE repayment structure, they can manage their own product to maintain control over their expenses. If they prefer our FIXED repayment structure, the Scheme will manage their medical aid in return for simplicity, convenience and predictability.

Step 4: Choose your level of day-to-day benefits

With Fedhealth, affordability is in the hands of our members. We provide ample access to day-to-day benefits, and your employees then decide how much or how little they want to use.

The FLEXIBLE repayment structure offers the most flexibility, and members choose exactly how much of their MediVault allowance they want to use throughout the year. To calculate the total monthly Fedhealth contribution, they simply divide the amount they intend to use by 12, and then add the Risk cover amount.

The FIXED repayment structure is much simpler, and they don’t have to calculate anything.

Customisation is the way of the future. Whatever matters most to your employees, be it control, simplicity or affordability, Fedhealth’s flexiFED range delivers and exceeds these individual demands.

To switch your employees to Fedhealth for the ultimate control and affordability, call 0860 002 153 or visit fedhealth.co.za.