Fedhealth flexiFED 4 Elect — Hospital medical aid (2026)
Fedhealth flexiFED 4 Elect — Hospital is a comprehensive medical aid plan from Fedhealth Medical Scheme. In 2026 it costs R4,958 a month for a main member, R4,620 per adult dependant and R1,521 per child.
Source: Fedhealth Medical Scheme 2026 published contributions (Fedhealth website)Last reviewed
Contributions
Main member
R4,958
Adult dependant
R4,620
Child dependant
R1,521
Dependant rules: max 3 children, each under 27.
In-hospital
- Hospital network
- Any private hospital with Elect fixed co-pay on planned procedures (~25% cheaper).
- Specialist rate
- 200% of Fedhealth Rate in hospital.
- Specialist payment gap
- Specialist Payment Gap cover.
Day-to-day
- Day-to-day benefits
- MSA + ATB.
- Savings account (MSA)
- MSA credited annually.
- Above-Threshold Benefit
- Above-Threshold Benefit available.
Chronic & specialised
- Chronic conditions
- CDL + 27 additional chronic conditions.
- Specialised medicines
- Specialised Medicine Benefit.
Oncology & innovation
- Oncology
- Full oncology with extended programme.
- Innovation / advanced illness
- Advanced Illness Benefit.
Maternity & mental health
- Maternity programme
- Comprehensive maternity programme.
- Mental wellbeing
- Mental wellbeing programme; CDL mental conditions at PMB level.
Wellness & extras
- Wellness programme
- Fedhealth Wellness programme: free annual health screenings.
- Africa evacuation
- Emergency evacuation in sub-Saharan Africa.
- International travel
- Not covered.
- ART (assisted reproductive)
- Not covered.
FAIS Disclaimer
This tool is for educational and informational purposes only. It does not constitute financial advice. Consult a registered financial adviser (FSP) before making any medical aid decision. Contributions shown are current-year (2026) figures from official scheme sources.
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Frequently Asked Questions
Fedhealth flexiFED 4 Elect — Hospital costs R4,958 a month for the main member, R4,620 per adult dependant and R1,521 per child in 2026. Up to 3 children are charged, each under 27.
MSA credited annually.
Fedhealth flexiFED 4 Elect — Hospital uses the Any hospital network. Any private hospital — your choice is not limited to a named list. Some plans still charge a fixed co-payment on planned admissions, so check the plan’s own hospital benefit. Any private hospital with Elect fixed co-pay on planned procedures (~25% cheaper).