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We’re Giving Back To Members In 2022!

Increase and benefit changes for 2022
06 October 2021

Following the two hard years we all experienced in 2020 and 2021, Fedhealth wants to give back to our members in a sustainable and responsible way in 2022.

Thanks to Fedhealth’s prudent financial view for 2021, the Scheme is in a strong financial position for 2022 and beyond, from which our members will duly benefit. Here is a brief summary of the most significant changes for the 2022 benefit year:

  1. No contribution increases until April 2022

In 2022, Fedhealth will use R105 million of excess Scheme reserves to give members an increase holiday for three months.

The Scheme will fund the increase for the first three months, which means all members will continue paying 2021 rates until 31 March 2022.

Despite this increase holiday, the 2022 benefit enhancements will already kick in on 1 January – so even though members are still paying 2021 rates, they will enjoy these improved benefits.

Please note: Once the contribution increase holiday ends on 1 April, members won’t be able to downgrade to a lower option. Only upgrades to a higher option within 30 days of a life-changing event are allowed, in line with our unique benefit.

  1. ONLY CPI increases for flexiFED 1 and child rates across the board

To make medical aid more accessible for young people just starting out in life, the flexiFED 1 option will only see a CPI increase. And since Fedhealth has a strong family focus, the same applies to child rates across the board. No double-digit increases have been applied in 2022, as you can see below:

Plan

Jan – March increase

April – Dec increase

2022 Annual increase

maxima PLUS

0.0%

9.2%

6.9%

maxima EXEC

0.0%

9.1%

6.8%

flexiFED 4

0.0%

8.4%

6.3%

flexiFED 4GRID

0.0%

8.6%

6.4%

flexiFED 4Elect

0.0%

8.5%

6.4%

flexiFED 3

0.0%

7.9%

5.9%

flexiFED 3GRID

0.0%

7.9%

5.9%

flexiFED 3Elect

0.0%

8.0%

6.0%

flexiFED 2

0.0%

7.1%

5.3%

flexiFED 2GRID

0.0%

7.2%

5.4%

flexiFED 2Elect

0.0%

7.3%

5.5%

flexiFED 1

0.0%

6.3%

4.7%

flexiFED 1Elect

0.0%

6.3%

4.7%

myFED

0.0%

7.7%

5.8%

Fedhealth

0.0%

7.4%

5.5%

  1. New benefit enhancements for 2022
  • Preferred providers for cancer. From 2022, all Fedhealth members on all options have the choice of an oncologist with ICON or SAOC (the South African Oncology Consortium). Both ICON and SAOC are preferred providers rather than DSPs, which means access to most oncologists in the country and therefore no co-payment for voluntary non-use.
  • We now cover the HPV vaccine for girl beneficiaries between the ages of 9 to 14 from Risk as part of the screening benefit for children.
  • Mammogram frequency on the screening benefit used to be once every three years – going forward, it will be once every two years.
  • A stress and anxiety benefit – We’ve realised the effects of COVID-19 on mental health and especially on the younger population. We’ve therefore introduced a Stress and Anxiety benefit on flexiFED 1 which will deal with stress and anxiety only by means of virtual consults with a psychologist that is paid from Risk and not day-to-day benefits.
  1. MediVault allowances still substantially higher than on comparative options

MediVault allowances across the board received inflationary increases and are still substantially higher than most Savings allocations on comparative competitor options:

Choose my own amount of day-to-day (Flexible)

 

flexiFED 1

flexiFED 2

flexiFED 3

flexiFED 4

 

2021

2022

2021

2022

2021

2022

2021

2022

M

R9 300

R9 696

R9 900

R10 295

R11 100

R11 496

R14 700

R15 300

M+1

R12 900

R13 392

R15 300

R15 900

R16 800

R17 496

R26 700

R27696

M+2

R14 100

R14 592

R21 000

R21 792

R22 200

R23 100

R30 300

R31 500

M+2+

R15 300

R15 900

R24 600

R25 596

R26 100

R27 096

R33 900

R35 196

 

Upfront day-to-day benefits (Fixed)

 

flexiFED 1

flexiFED 2

flexiFED 3

flexiFED 4

 

2021

2022

2021

2022

2021

2022

2021

2022

M

R3 600

R3 744

R4 800

R4 980

R7 200

R7 488

R12 000

R12 468

M+1

R5 400

R5 616

R7 200

R7 488

R9 600

R9 960

R21 000

R21 828

M+2

R6 600

R6 852

R11 400

R11 832

R12 600

R13 104

R24 000

R24 900

M+2+

R8 400

R8 724

R15 000

R15 576

R15 000

R15 576

R27 600

R28 680

These benefits enhancements, together with the contribution increase holiday, should provide Fedhealth members with real-world, practical value, as well as a financial breather to help with those overstretched budgets over the December holidays and January school expenses

DISCLAIMER: The information on this website is for educational purposes only, and is not intended as medical advice, diagnosis or treatment. If you are experiencing symptoms or need health advice, please consult a healthcare professional.

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