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Cancellation service #1 in South Africa
Fedhealth is a South African medical scheme providing a range of health plans that combine hospital cover and day‑to‑day benefits with flexible savings options.
The scheme operates under the Medical Schemes Act and offers tailored plans for different needs, including network and any‑hospital options and savings components.
Fedhealth suits members who want flexible savings for everyday healthcare and a variety of hospital cover levels, from entry-level to comprehensive plans.
Families, individuals and those seeking network discounts or more extensive "any hospital" cover can choose plans to match their budgets and risk tolerance.
Your cover remains active until the cancellation takes effect - typically the end of the current month unless a different notice period applies.
Any claims for services received before the cancellation date should still be processed according to scheme rules and benefit limits.
The scheme retains member records as required by law; you should request written confirmation of the cancellation for your records.
If you reapply later, new waiting periods or underwriting may apply depending on the plan and time lapsed since cancellation.
If you paid a healthcare expense up front, you can request a refund by submitting proof of payment and the claim account details to the scheme.
Fedhealth processes medical refunds directly into your bank account once a claim is approved. Claims should be submitted within four months of the treatment date.
There is no publicly stated 14‑day cooling‑off policy for ongoing medical scheme subscriptions; medical scheme rules under the Medical Schemes Act apply rather than general consumer subscription law.
Automatic refunds unrelated to medical claims are not publicly guaranteed. Check your scheme rules and request written clarification if you believe a refund is due.
The table below lists main principal‑member monthly contribution figures as published for 2025 and 2026 where available.
Prices are for the main member only and reflect plan variants such as Any Hospital, ELECT and GRID where noted.
| Plan | Price | Period | Features |
|---|---|---|---|
| FlexiFed Savvy (2025) | R1 055 | Monthly - main member | Network hospital, flexible day‑to‑day back‑up savings (no fixed savings amount) |
| FlexiFed 1 Elect (2025) | R1 953 | Monthly - main member | Any hospital (Elect), flexible savings, self‑payment gap then Above Threshold Benefit |
| FlexiFed 1 (2026) | R2 630 | Monthly - main member | Hospital plan, unlimited hospital cover, includes savings option, co‑payments possible |
| FlexiFed 2 Any (2026) | R4 147 | Monthly - main member | Any hospital, flexible savings, self‑payment gap of R8 724 then Above Threshold Benefit |
| FlexiFed 2 Grid (2026) | R3 719 | Monthly - main member | GRID network hospitals (10% savings), flexible savings, self‑payment gap R8 724 then ATB |
| FlexiFed 4 Any (2026) | R6 620 | Monthly - main member | Any hospital, flexible savings, self‑payment gap R22 308 then ATB |
Medical scheme membership, cancellation and benefit rules are governed by the Medical Schemes Act and the scheme's rules rather than general consumer cooling‑off provisions.
Time limits and conditions in the scheme rules determine refunds, waiting periods and benefit entitlements.
If you have a dispute that cannot be resolved with Fedhealth, you may escalate the matter to the statutory regulator, the Council for Medical Schemes, for adjudication.
Keep written records of communications, claim references and any correspondence to support a dispute or complaint to the regulator.
Some members report good, affordable cover on specific plans (for example Savvy) with helpful day‑to‑day benefits and effective hospital claims handling in some cases.
There are accounts of swift, supportive assistance after serious incidents and flexible savings that assisted with major expenses.
Complaints include denied claims due to PMB technicalities, lack of clear written explanations, and unresolved refund or debit order issues.
Other reported problems include administrative errors that led to cancelled benefits or unpaid claims and frustration with customer service response times.
Failing to obtain written confirmation of cancellation often leads to continued debit orders or disputes about the effective date.
Always request and keep a dated confirmation from the scheme before cancelling your debit order with the bank.
Submitting medical refunds without full proof of payment or after the allowed submission window (typically four months) can result in denial or limited consideration.
Administrative errors - wrong membership numbers, missing signatures or incomplete bank details - commonly delay refunds.
The table below gives a short comparison of plan name, monthly main‑member price and a primary distinguishing feature.
Use this to quickly compare cost versus core plan behaviour (network vs any hospital, and self‑payment gaps).
| Plan | Price (Monthly) | Key feature |
|---|---|---|
| FlexiFed Savvy (2025) | R1 055 | Network hospital; flexible day‑to‑day savings |
| FlexiFed 1 Elect (2025) | R1 953 | Any hospital (Elect); savings + ATB gap cover |
| FlexiFed 1 (2026) | R2 630 | Unlimited hospital cover; includes savings option |
| FlexiFed 2 Any (2026) | R4 147 | Any hospital; self‑payment gap then ATB |
| FlexiFed 2 Grid (2026) | R3 719 | GRID hospitals discount; savings; gap then ATB |
| FlexiFed 4 Any (2026) | R6 620 | Comprehensive any‑hospital cover; higher gap threshold |
Keep copies of your cancellation letter and written confirmation from the scheme for at least 12 months.
Confirm the final processing of any outstanding claims and ensure refunds (if any) are paid into your nominated bank account.
If you need ongoing cover, compare alternative schemes and waiting‑period implications before reapplying anywhere.
If you cannot resolve a dispute, escalate to the Council for Medical Schemes and retain all documentation for any formal complaint.
Private Bag X3045, Randburg, 2125, South Africa.
Use this postal address for written correspondence if you prefer to cancel by post and to send supporting documents.
Send cancellation requests by recorded delivery or email and keep proof of sending and any scheme reference numbers.
Retain copies of all original invoices and receipts for at least four months for claims and longer if you foresee a dispute.
Already sent a letter? Enter its tracking number to see its proof of dispatch and certified timestamp.
Written by Zwelinzima Sithole
Postclic editor · 6 years experience
Editor at Postclic for 6 years, I turn complex registered electronic mail procedures into clear, actionable English.