Gap Insurance for Fedhealth Medical Scheme Members

December 19, 2021

Medical gap insurance for Fedhealth medical scheme members is available on this page. Please complete and then submit the form on this page to get your personal quote.

The benefits of having gap insurance for Fedhealth are enormous. The benefits you enjoy will depend on the type of gap cover you have.

Gap cover insurance isn’t a medical aid – it’s a supplement to your medical aid because, in most instances, your medical aid isn’t able to pay your medical bills in full.  You, therefore, have to belong to a medical aid to be eligible to apply for this sought after gap cover insurance.

Your gap cover insurance also isn’t liable for the entire bill. Gap cover is only liable for just the shortfall that the medical aid won’t pay.

Gap Insurance for Fedhealth

Gap Insurance for Fedhealth Medical Aid Members

Fedhealth is a well established medical scheme with a heritage that dates back to 1936. They offer their members an extensive range of medical aid plans. These plans are known as the Maxima range as well as hospital Plans.

Their most basic plan is R1 326 a month while their more comprehensive plan will be their Maxima Plus Plan which offers you the best medical assistance you can get. This plan will cost you 6 740 each month.

More about this gap cover:

If you’re looking for good, unlimited hospital cover at a private- or network hospital with essential day-to-day savings for your health needs, then some of the more affordable Maxima plans will ensure that to have good medical care; you don’t have to break the bank.

Even though you get good medical cover from Fedhealth, there are still going to be those accounts that the medical scheme won’t pay. This is because there are doctors who will charge you much more than what the medical scheme tariffs are.

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A Typical Example of how Gap Cover Helps

South Africa has many excellent gap cover providers. No matter which medical aid you’re on, there are many of your medical treatments which the medical aid will not cover in full. If for instance, you have a heart bypass, your operation could cost more than R305 000 in South Africa, of which your medical aid might only pay R180 000 for it. The outstanding R125 000  will be for you to pay from your pocket if you don’t have medical gap cover.

Mercifully South Africa has some good gap cover providers who can help medical aid members with never having to pay these massive in-hospital amounts.

  • Sanlam was established in 1918
  • you need to be a member of a registered medical aid scheme to buy gap cover
  • you can include your dependant children on these plans – up to the age of 27
  • maximum entry age for gap cover from Sanlam is 60
  • also, in-hospital benefits with both plans include up to 5x medical aid tariff. With the Comprehensive Plan, you also get up to 5x the medical aid tariff.


Sanlam Gap Cover Rates

Sanlam Gap Cover offers the Comprehensive Gap Cover at R252 (younger than 60 years) and R605 (60 years and older).  This includes in-hospital treatment and some out-of-hospital treatment benefits.  Enhanced hospital cash benefits are only available to Sanlam Reality members.

For more information on the list of additional benefits and exclusions please check out the PDF document at SPF757_Gap Cover_Top Performer May 2018


If you are a member of Fedhealth Medical Scheme, you qualify for gap insurance for Fedhealth. This gap insurance will pay out those frighteningly high hospital bills which Fedhealth isn’t going to pay. Speak to an adviser today at Sanlam about how gap cover can spare you a whole lot of financial anguish.


For a free gap insurance quote, enter your details in the form provided and click the GET A QUOTE button.

All info was correct at time of publishing