2026 Rules Active
2026 Validated
Save R11,676/Year (M+A) with GRID Network Commitment
Actuarial Objective
Young families (30-40) accepting 120 GRID network hospitals for planned procedures, saving R11,676/year (M+A), R13,836/year (M+A+C) vs standard flexiFED 3, accessing full maternity + childhood benefits including private ward, 12 ante/postnatal consults, childhood immunizations, infant hearing screening
Running Actuarial Simulation...
More Plan Options
Save R-144 pm
Bonitas
Standard
Strategy: Standard Family 45 Chronic Conditions + Full Hospital Choice
Upgrade for +R829 pm
Bonitas
BonComplete
Strategy: BonComplete Single MSA Maximization
Key Terms for this Strategy
- Medical Savings Account (MSA)
- A fund of R10,416 included in your premium. You use this for day-to-day expenses like GP visits and scripts.
People Also Ask
Is my hip replacement fully covered?
While the surgery has no co-payment if you use a Contracted Provider, the internal prosthesis (the device itself) is strictly limited to R28,760. You will be liable for any device cost above this amount, which is often significant.
What is the limit for cancer treatment in 2026?
Oncology is covered up to R360,850 per family per year at ICON. A 25% co-payment applies if you do not use a Designated Service Provider.
Do I have to pay upfront for an MRI scan?
Yes, you must pay the first R3,050 for any non-PMB MRI or CT scan, whether the scan is performed in or out of hospital.
Is there a co-payment for a gastroscopy or colonoscopy?
If performed in hospital, you will pay R5,540. However, if the scope is performed in a practitioner's rooms (non-surgical procedure), it is covered in full.
Am I restricted to specific hospitals?
No, this is the standard flexiFED 3 plan, which allows you to use 'Any' private hospital without an admission penalty.
How many chronic conditions does flexiFED 3 cover?
You are covered for 34 conditions in total: the 27 Prescribed Minimum Benefit (CDL) conditions plus 7 additional conditions including Acne, ADHD, and Depression.
What happens if I go to the emergency room?
Trauma treatment is paid from Risk (unlimited up to the Fedhealth Rate). However, an R880 co-payment applies for non-PMB visits if you are not admitted to the hospital.
Does the plan cover my gynaecologist visits during pregnancy?
Yes, the plan covers 12 antenatal or postnatal consultations with a midwife, network GP, or gynaecologist, funded from Risk.