Bonitas | Medical Aids in South Africa
Bonitas is one of South Africa's top 5 largest open medical schemes and provides cover for approximately 713 000 lives. It offers a choice of 15 medical aid options with the Standard option being the most popular. Premiums for a single member range from R1 274 to R8 217. Members have the option of using a hospital of choice or a plan that uses a network of hospitals (the Select options). A defined list of procedures, on all options, needs to be done in a Network Day Hospital to avoid a co-payment. Bonitas also provides maternity and preventative care benefits. Annual contribution increases will be effective from 1st January 2022.
BonComprehensive
This plan is suited for individuals requiring extensive medical cover. It offers unlimited hospital cover at a hospital of choice, with in-hospital specialist bills paid at 150%. Co-payments are applied for spinal surgery if the back and neck programme is not used, for MRI and CT Scans as well as for certain joint replacements and cataract surgery if designated service provider not used. Day to day claims are payable from savings, a self payment gap and then from additional benefits.
BonClassic
The BonClassic option is suitable for young families and individuals. It offers unlimited hospital cover at a hospital of choice with in-hospital specialist bills paid at 100%. A short list of co-payments is applied e.g. for spinal surgery if the back and neck programme is not used, for certain joint replacements and cataract surgery if designated service provider not used, for MRI and CT Scans etc. Certain day to day claims are paid from savings whilst others are payable from separate risk benefits.
BonComplete
This plan is suited for families requiring comprehensive medical cover. It offers unlimited hospital cover at a hospital of choice, with in-hospital specialist bills paid at 100%. A short list of co-payments is applied e.g. for spinal surgery if the back and neck programme is not used, MRI & CT Scans, for certain joint replacements and cataract surgery if designated service provider not used etc. Day to day claims are payable from savings, a self payment gap and then from additional benefits.
BonSave
The BonSave option is suitable for young families and individuals. It offers unlimited hospital cover at a hospital of choice with in-hospital specialist bills paid at 100%. Co-payments are applied to a comprehensive list of in-hospital procedures. Joint replacements are only covered in the case of acute injury (Prescribed Minimum Benefits only). Day to day claims are paid from available savings.
BonFit Select
The BonFit Select option is suitable for young families and individuals. It offers unlimited hospital cover at a network of hospitals with in-hospital specialist bills paid at 100%. Co-payments are applied to a comprehensive list of in-hospital procedures and there is no benefit for in-hospital dentistry and non-PMB back and neck surgery. Joint replacements are only covered in the case of acute injury (Prescribed Minimum Benefits only). Certain day to day claims are paid from savings whilst others are payable from separate risk benefits. No benefit for specialised dentistry.
Standard & Standard Select
The Standard option is suitable for young families and individuals. It offers unlimited hospital cover at a hospital of choice or if selecting the Select option, through a hospital network, with in-hospital specialist bills paid at 100%. A short list of co-payments is applied e.g. for spinal surgery if the back and neck programme is not used, for certain joint replacements and cataract surgery if designated service provider not used, for MRI and CT Scans etc. Day to day claims are paid from a defined benefit pool with a separate benefit for GP consultations, optometry, dentistry and specialised radiology.
Primary & Primary Select
The Primary option is suitable for young families and individuals. It offers unlimited hospital cover at a hospital of choice or if selecting the Select option, through a hospital network, with in-hospital specialist bills paid at 100%. Co-payments are applied to a comprehensive list of in-hospital procedures. Joint replacements are only covered in the case of acute injury (Prescribed Minimum Benefits only). Day to day claims are paid from defined annual limits.
Hospital Standard
This hospital plan is suitable for young families and individuals. It offers unlimited hospital cover at a hospital of choice, with in-hospital specialist bills paid at 100%. Co-payments are applied to a comprehensive list of in-hospital procedures. Joint replacements are only covered in the case of acute injury (Prescribed Minimum Benefits only). Provides some benefits for maternity and preventative care.
BonEssential & BonEssential Select
This hospital plan will suit young healthy individuals. It offers unlimited hospital cover at a hospital of choice or if selecting the Select option, through a hospital network, with in-hospital specialist bills paid at 100%. Co-payments are applied to a comprehensive list of in-hospital procedures. Joint replacements are only covered in the case of acute injury (Prescribed Minimum Benefits only). Apart from some preventative care and maternity benefits no other cover for day to day claims is provided.
BonCap
BonCap is an entry level capitated network plan which is affordable and ideal for low earning individuals. A comprehensive list of in-hospital exclusions apply and ALL treatments are subject to network providers and network protocols.
Lifestyle Programme
Sanlam Reality is a lifestyle and rewards programme available to members of Bonitas Medical Fund. Sanlam Reality members get special offers on selected Sanlam products, save money on wellness, travel and entertainment, and are rewarded for financially responsible behaviour by earning tier points.
