Fedhealth Avis 

Fedhealth Oncology medical advisors don't know how cancer works. My wife and I pay a fortune every month and receive nothing in return. My wife was diagnosed with stage 4 metastatic melanoma in 2016 and needs her annual scan which isn't even a fraction of the annual cost we pay. Yet even though part of her plan is an annual PET-CT, with the oncologist motivational letter upon letter we are still sitting with a decline. We follow the steps every year and this year just a flat out decline. After numerous attempts at a meeting, questions, calls you name it. Nothing. Just someone who reads off a prompt and has zero clue of what they are talking about. Youcant speak to anyone else and the execs hide behind the call staff. Stressed out Beyond. In order to prevent cancer returning a scan is extremely important and not only does it prevent cancer returning it also makes the patient less of a "liability" to Fedhealth, yet they can't understand this and would rather decline and allow the patient to have their cancer return and then need more scans and end up costing more on the scheme. Oh but wait... They will probably just continue declining, but happily keep raking in the monthly premium from the member and then that member will die waiting for their scan to be approved. We feel we can't move because of my wife's history of cancer, yet she has been in remission this is her 6th year thank God! She has had all her scans until 2026 with this new constant decline, decline nonsense. Discovery if you are reading this please contact me, we need advice if we can move across. Done with Fedhealth

Double debiting. Apologizing for the double debiting. Then proceed for two months like this. You call customer services just for them to say the transactions didbnot go through but it did go through. I send emial of proof just for them to ignore me for two weeks. Still haven't heard anything.

I wish I could give zero stars. Fedhealth has to be the absolute worst Medical Aid to deal with. I am sure that their Customer Service representatives receive special training on how to draft email responses that are vague and unclear and ensure that they are as meaningless as possible. Alternatively, they simply don’t specifically address the query. They should be investigated by the Ombudsman.

I had emailed FEDHEALTH on 6 February 2026, to terminate the medical aid, to which I got feedback as per emailed received from FEDHEALTH
Termination date 31 March 2026
Last Debit order will be 1 March 2026 which you billed in arrears, all good I accepted,
1 April I was debited- and get a response, I used savings>>>(load of rubbish) which I did not use the medical aid at all, Then I get told that the amount debited on 1 April is billed in arrears, to date I am still awaiting my refund.
Since Fedhealth is being this way, I am now liable to take this matter further, get lawyers involved, as I have proof on emails from them.
THIS IS WORSE MEDICAL AID TO BE ON....

Short and simple, stay away from Fedhealth! You'll get authorization, but NOTHING will get paid. This is not a medical aid!

Fedhealth relies heavily on PMB technicalities to deny cover, with no partial contribution and no clear written explanation of why claims are declined. Decisions involving significant costs are communicated verbally, but promised follow-up emails with reasons never arrive, even though all other Fedhealth emails come through without issue.

The biggest problem is lack of transparency. You’re left guessing why something is denied, with no proper paper trail to appeal or plan financially.

After repeated denials and non-existent communication, I moved my medical aid back to Discovery, where rules, authorisations, and decisions are at least clearly documented. I had already stated in a previous review that if this admin trend continued, I would change, even at a higher premium.

If you only want true emergency cover (and I mean emergency, not quality-of-life or necessary non-urgent care), this plan might work. If you want clarity, predictability, or shared risk for real-world medical needs, I would not recommend Fedhealth.

The “cheap” premium is misleading: one non-PMB surgery (~R100k out of pocket) equals 6–8 years of paying a higher monthly premium on a plan that actually contributes. If you ever need non-emergency but necessary care, you carry the full financial risk, and that’s not real insurance.