[SPONSORED] It's no secret that South Africa has faced various economic challenges in the past, and the impact of COVID-19 made things significantly worse with measures such as abruptly being placed under a hard lockdown in order to prevent further new cases. While many people around the world welcomed this life-saving measure, it came at a high cost: millions of individuals were suddenly faced with the prospect of wage cutbacks, retrenchments, and even medical boarding due to the debilitating long-term effects of the coronavirus.
Not too long ago having medical aid was considered a "nice to have" that was reserved for the rich and wealthy, but let's face it – in recent years being a part of a medical scheme certainly is no longer a luxury, but a necessity.
All South Africans have the right to high-quality medical care and given that we are only recently emerging from the effects of COVID-19 and national lockdown, we have yet to see the full extent of the long-term impact of the pandemic. It is expected that the cost of living will rise significantly, forcing many to make lifestyle adjustments.
At Fedhealth, we believe that access to high-quality healthcare shouldn't be restricted by affordability. We equally believe that our members and potential members should have the freedom to select the level of treatment they desire, need and, more importantly, can afford.
For this reason, Fedhealth began implementing a more progressive approach to providing members with a range of healthcare options that wouldn't need them to pay exorbitant amounts of money.
Regardless of your financial situation, we constantly strive to provide the optimal medical care solutions for our members. Whether you’re single, independent, and unmarried, or you’re newlyweds looking to start a family, or growing your family, there is a Fedhealth solution for you.
We are proud to have made great strides in developing affordable, practical, useful solutions for our members, giving them the choice of how to manage their medical aid expenses with a medical aid plan customised to meet their requirements.
This includes a number of unique benefits that we cover from Risk, so that you don’t have to pay for them from your day-to-day savings or even your own pocket, including post-hospitalisation cover, unlimited network GP visits, unlimited accident and emergency care, and, perhaps the most significant, the ability to upgrade your cover within 30 days after a major life event at any time of the year.
Did you know you can upgrade your plan any time of the year?
One of Fedhealth’s unique benefits is that members can upgrade any time of the year in case of a life-changing event, such as a pregnancy or diagnosis of a serious disease, whereas, on
traditional medical aids, members can only change their option during the renewal period, which is in January every year.
Most of us seek financial security, and often sudden medical expenses can shake that stability. This is where Fedhealth’s upgrade benefit comes in handy, by allowing members to tailor their medical aid plan to their changing medical needs.
This means that, as a Fedhealth member, you are not obligated to select the costliest option 'just in case' anything unexpected happens; instead, you may continue on the plan that covers you sufficiently right now, and upgrade only if/when necessary.
Say, for instance, that you are a young, healthy person getting married with the intention of starting your own family. With traditional medical aids, you would have to start preparing at least a year in advance by switching your plan if your current plan doesn't include maternity benefits. But, with Fedhealth, you are able to stay on flexiFED 1 until the pregnancy is confirmed. After that, you have 30 days to upgrade your plan to flexiFED 2 or flexiFED 3, which both provide fantastic benefits for expecting mothers and children.
How does it work?
This benefit effectively eliminates the "but what if" or "in case of" component of medical cover, meaning you do not have to spend money on a more comprehensive plan, waiting for a medical incident that may never happen.
You pay for the cover you require right now, and, if life presents you with an unforeseen incident, you are certain that you can always switch to a suitable plan with the adequate level of cover.
The most important thing to remember, though, is that you have to apply for the upgrade within 30 days of the diagnosis/occurrence of the life-changing event.
All applications will be taken into consideration, as long as they are submitted within the 30-day window, and supported by a diagnosis of a condition for which the benefit under your existing choice is insufficient to cover the necessary treatment.