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Bonitas

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. 

Bonitas offers a comprehensive range of medical aid plans designed to meet diverse healthcare needs and budgets. The table below details the contributions for principal members, adult dependents, and child dependents.

PlanContributions Range (Main) ZARContributions (Principal Member)Contributions (Adult Dependant)Contributions (Child Dependant)
BonStart 1,378 1,378 1,378 1,378
Standard 1,444 - 4,922 4,922 4,267 1,444
Standard Select 3,756 3,756 3,756 1,238
BonEssential 1,478 1,478 1,478 475
BonComplete 2,640 - 4,186 4,186 3,825 1,472
BonFit 2,106 2,106 2,106 1,003
BonMax 5,000 - 8,000 8,000 7,500 5,000

*Contributions may differ based on specific requirements. It is recommended to contact Bonitas for detailed and personalized information.

Doctor with child

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.

Couple viewing on laptop

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.

Family packing for holiday

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.

Make the most

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.

Spa

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.

Man signing

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.

Teen in trolley

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.

Woman thinking

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.

People

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.

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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.

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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.

Bonitas Medical Aid Company Ltd is an authorised financial services provider (FSP licence number: 16354).