Bonitas MedGap Gap Cover (🇿🇦 2025)
Bonitas MedGap is a trustworthy short-term insurance product designed to provide extra protection for those who already have medical aid. The Bonitas MedGap Gap Cover Plans start from R146 ZAR. Bonitas has a trust score of 4.1.
Bonitas MedGap Gap Cover has the following plans to choose from:
| 👥 The average number of members | 15,000+ |
| 1️⃣ Number of Markets | 1 |
| 📊 Market Share | 5%> |
| 2️⃣ The number of plans offered | 2 |
| 📱 Mobile App | ✅ Yes |
| ⚠️ Waiting Period | 3 – 12 months |
| ⛔ Exclusions | ✅ Yes |
Bonitas MedGap Gap Cover – Analysis of Providers’ Main Features
- ✅ Bonitas MedGap Gap Cover Features
- ✅ Bonitas MedGap Gap Cover Premiums
- ✅ Bonitas MedGap Gap Cover – Advantages Over Competitors
- ✅ How to apply for Gap Cover with Bonitas MedGap
- ✅ How to Submit a Claim for Gap Cover with Bonitas MedGap
- ✅ Bonitas MedGap Gap Cover Exclusions
- ✅ Bonitas MedGap Gap Cover Waiting Periods
- ✅ How can I change my Bonitas MedGap Gap Cover option?
- ✅ Bonitas MedGap Customer Reviews
- ✅ Bonitas MedGap Gap Cover vs Other Notable Providers
- ✅ Bonitas MedGap Gap Cover Pros and Cons
- ✅ Our Verdict on Bonitas MedGap Gap Cover
- ✅ Bonitas MedGap Gap Cover Frequently Asked Questions
Bonitas MedGap Gap Cover Features
The cover under MedGap Cover is different from that under a medical scheme. Furthermore, to be covered by MedGap, you must be a current member of a medical insurance scheme. Daily benefits are not included, and this product is not a replacement for a health insurance plan.
Many doctors have rates that are far above what insurance companies will cover. This leaves you with a balance to pay the doctor or hospital for the difference between what the health insurance company paid and the service cost.
You, as a member, would be responsible for paying the difference in price, which, for specialists and surgeons, can be quite high.
You and your loved ones can take advantage of MedGap’s selection of custom-made products, which offer protection against financial hardship in an unexpected hospital stay necessitating surgery or medical treatment, or the performance of certain procedures outside of a hospital setting.
MedGap Shortfall Benefits
| 🔎 Benefit | 1️⃣ Supreme Plan | 2️⃣ Primary Plan | 3️⃣ Student Plan |
| 🟥 Medical Practitioner Shortfall Benefit | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟧 Allied Professional Shortfall Benefit | ✅ Yes | None | None |
| 🟨 Robotic Procedure Shortfall Benefit | ✅ Yes | None | None |
| 🟩 Co-payment Benefit | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟦 Non-DSP Co-Payment Benefit | ✅ Yes | None | None |
| 🟪 Robotic Procedure Co-Payment Benefit | ✅ Yes | None | None |
| 🟥 Oncology Co-Payment Benefit | ✅ Yes | None | None |
| 🟧 Oncology Extender Benefit | ✅ Yes | None | None |
| 🟨 Internal Prostheses Shortfall Benefit | ✅ Yes | None | None |
| 🟩 Casualty Benefit | ✅ Yes | None | ✅ Yes |
| 🟦 Sub-limit Benefit | ✅ Yes | None | None |
MedGap Assist Benefits
| 🔎 Benefit | 1️⃣ Supreme Plan | 2️⃣ Primary Plan | 3️⃣ Student Plan |
| 🟥 Cancer Assist Benefit | ✅ Yes | None | None |
| 🟧 Accidental Death or Disability Assist Benefit | ✅ Yes | None | ✅ Yes |
| 🟨 Violent Crime Benefit | ✅ Yes | None | None |
| 🟩 Breast Reconstruction Benefit (for non-affected breast) | ✅ Yes | None | None |
| 🟦 Premium Waiver Benefit | ✅ Yes | None | ✅ Yes |
| 🟪 Trauma and Bereavement Counselling Benefit | ✅ Yes | None | None |
| 🟥 Baby Bump Benefit | ✅ Yes | None | None |
💙Discover more about Bonitas Medical Aid Plans and prices
Bonitas MedGap Gap Cover Premiums
| 🔎 MedGap Option | 🥇 Under 30 | 🥈Single | 🥉 Standard | 🎖️ Pensioner | 🏅 Student |
| ➡️ Supreme Gap | R266 | R343 | R394 | R753 | – |
| ↪️ Primary Gap | R203 | R270 | R309 | R713 | – |
| 📚Student | | | | | R146 |
💙Discover the 5 Best Gap Cover Options for Under R1500
Bonitas MedGap Gap Cover for Medical Aid – Advantages Over Competitors
💙The advantages of choosing Bonitas MedGap Gap Cover include:
- ✅ Bonitas MedGap Gap Cover provides access to a large network of healthcare providers, including specialists, hospitals, and clinics. This ensures you receive the medical care you need.
- ✅ Bonitas MedGap Gap Cover covers the difference between the medical scheme rate and the rate charged by the healthcare provider for in-hospital procedures.
- ✅ With Bonitas MedGap Gap Cover, you do not need to fill out claim forms or get pre-authorization for treatment, making the claims process more straightforward and less time-consuming.
- ✅ Bonitas MedGap Gap Cover has no annual limit, so you can use the cover as many times as needed.
- ✅ Bonitas MedGap Gap Cover offers affordable premiums, making it accessible to many individuals and families.
- ✅ Bonitas MedGap Gap Cover covers pre-existing conditions, so you can get the medical care you need, even if you have a condition that existed before you joined the scheme.
Bonitas MedGap Gap Cover is easy to switch to. You can do so at any time without any waiting periods or penalties.
How to apply for Gap Cover with Bonitas MedGap
💙To apply for Gap Cover with Bonitas through Medgap, you can follow these steps:
- ✅ Navigate to the “Documents” section of the Medgap website.
- ✅ Click “Medgap for Bonitas” under “Applications” to access the PDF application.
- ✅ Get a printout and fill out the necessary fields.
- ✅ If you have completed the form, please send it to Medgap. In addition, include a copy of your medical insurance card with your application.
Once Medgap has reviewed your application, they will contact you to discuss the next steps.
How to Submit a Claim for Gap Cover with Bonitas MedGap
💙To claim with Bonitas Medgap, you can follow these steps:
- ✅ Before submitting a claim, ensure you have all the necessary information, including the date of service, the name and contact information of the healthcare provider, the amount charged for the service, and any other relevant details.
- ✅ You can request a claim form from Bonitas Medgap or download it from their website. Fill out the form completely and accurately, providing all the required information.
- ✅ Next, attach any supporting documentation, such as receipts or invoices, to the claim form. This documentation should confirm the amount charged for the service and the date it was provided.
- ✅ You can submit the completed claim form and supporting documentation by mail or online, depending on the options available through Bonitas Medgap.
Once your claim has been received, it will be reviewed and processed by Bonitas Medgap. You will be notified of the outcome, and if your claim is approved, you will receive payment.
Bonitas MedGap Gap Cover Exclusions
💙Bonitas MedGap does not cover the following:
- ✅ Participation in war, invasion, terrorist activity, rebellion, active military duty, police duty, police reservist duty, civil commotion, labor disturbances, riots, strikes, or the activities of locked-out workers.
- ✅ Nuclear weapons, nuclear material, ionizing radiation, or contamination by radioactivity from any nuclear fuel or any nuclear waste from burning nuclear fuel, including any self-sustaining process of nuclear fission (splitting an atomic nucleus into small parts).
- ✅ Taking any legal drug unless it has been prescribed by a registered medical practitioner (other than you) and you are following the medical practitioner’s instructions in your taking of the drug.
- ✅ Taking any illegal drug.
- ✅ Illegal behavior or as a result of breaking any law of the Republic of South Africa.
- ✅ Suicide, attempted suicide, intentional self-injury, or any form of exposure to danger.
Aviation, except if you are on a commercial flight as a fare-paying passenger.
Bonitas MedGap Gap Cover Waiting Periods
💙The following waiting periods will apply with Bonitas MedGap:
- General 3-Month Expiration Period
- The standard waiting period is three months if you do not sign up through their employer. Unfortunately, you will not be eligible for benefits during this time.
- A pre-existing condition waiting period of 9 months
- For the first nine months of cover, you won’t be able to file a claim for any service related to a condition for which you sought medical advice or treatment within the previous twelve months. The following are some examples of pre-existing medical conditions that will be subject to the waiting period:
- Discomfort in the back, shoulders, hips, or knees
- Medical conditions related to the heart, such as high blood pressure, high cholesterol, etc.
- Cysts in the ovaries
- Conditions affecting the brain, spinal column, or nerves
- Abdominal conditions, such as gastric ulcers, hernias, and constipation
- Cataracts and other eye diseases
- Ear, Nose, and Throat Disorders
- Related to gynecology
- Liver disease
- Diseases of the brain or spine
- Related to the thyroid
- 12-month waiting period for birth, cancer, or anything pregnancy-related.
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How can I change my Bonitas MedGap Gap Cover option?
💙To change your Medgap option, you can follow these steps:
- ✅ Contact Bonitas Medgap: You can contact Bonitas Medgap’s customer service team by phone or email to initiate changing your gap cover option. You can find their contact information on their website.
- ✅ Provide required information: When you contact the customer service team, they will ask you to provide your personal and policy information to confirm your identity.
- ✅ Discuss your options: The customer service representative will help you understand the different gap cover options available and assist you in choosing the option that best suits your needs.
- ✅ Submit a request: Once you have decided on the gap cover option you want to switch to, the customer service representative will assist you in submitting a request for the change.
Wait for confirmation: Bonitas Medgap will review your request and notify you of the outcome. If your request is approved, your gap cover option will be changed, and you will be notified of the effective date of the change.
Bonitas MedGap Customer Reviews
Very Pleased.
I appreciate how quickly I get responses to my questions. Unfortunately, I am 85 years old and frequently require third-party verification of financial transactions. – Colleen Richards
Friendly, Efficient, and Professional!
The Bonitas Medgap Center’s support staff is fantastic. Friendly, efficient, and professional, they helped me resolve an issue that had been bothering me for three months and countless phone calls and emails. – Francis Harris
Great Support.
I have been with Medgap since 2020 and have never experienced claims issues. Support staff are helpful and go beyond their job description to solve queries and issues. – Phumzile Modise
Bonitas MedGap Gap Cover vs Other Notable Providers
| 🔎 Gap Cover Provider | 🥇 Bonitas MedGap | 🥈 Old Mutual | 🥉 Admed |
| 📌 Underwriters | Centriq Insurance Company Limited | Old Mutual Life Assurance Company (South Africa) Limited | Guardrisk Insurance Company Limited |
| 🔟 Number of Plans | 3 | 1 | 6 |
| 💶 Starting Price | R146 – R753 | R270 | R248 |
| ⚠️ Waiting Periods | 3 – 12 months | 3 – 12 months | 3 – 12 months |
| ⛔ Exclusions | ✅ Yes | ✅ Yes | ✅ Yes |
| 🎗️ Oncology Benefit | ☑️ Yes | ☑️ Yes | ☑️ Yes |
| 🏥 In-Hospital Benefit | ✅ Yes | ✅ Yes | ✅ Yes |
| 🏡 Out-of-Hospital Cover | ☑️ Yes | ☑️ Yes | ☑️ Yes |
| 🍼 Maternity Benefit | ✅ Yes | None | ✅ Yes |
💙Sharpen your knowledge with a better understanding of Medical Aids in South Africa
Bonitas MedGap Gap Cover Pros and Cons
| ✅ Pros | ❌ Cons |
| Comprehensive in-hospital cover | Limitations on specialist consultations |
| No overall annual limit on claims | Some benefits subject to sub-limits or waiting periods |
| No co-payments for hospitalization | Only covers prescribed minimum benefits (PMBs) |
| Covers some out-of-hospital benefits such as preventative care, chronic medication, and emergency transportation | Premiums may be higher than other medical aid plans |
Our Verdict on Bonitas MedGap Gap Cover
Bonitas Medgap is a comprehensive medical aid plan offered by Bonitas Medgap in South Africa, providing extensive in-hospital cover, as well as some out-of-hospital benefits such as preventative care, chronic medication, and emergency transportation, with no overall annual limit on claims and no co-payments for hospitalization.
However, specialist consultations have certain limitations, and some benefits are subject to sub-limits or waiting periods.
Bonitas MedGap Gap Cover Frequently Asked Questions
What is Bonitas Medgap?
Bonitas Medgap is a shortfall cover plan offered by Bonitas Medgap that provides comprehensive cover for in-hospital and some out-of-hospital benefits.
What does Bonitas Medgap cover?
Bonitas Medgap covers in-hospital benefits such as surgery, hospitalization, and related expenses and out-of-hospital benefits such as preventative care, chronic medication, and emergency transportation.
Are there any limits to claims with Bonitas Medgap?
No, there is no overall annual limit on claims with Bonitas Medgap.
Do I have to pay any co-payments for hospitalization with Bonitas Medgap?
No, there are no co-payments for hospitalization with Bonitas Medgap.
Does Bonitas Medgap cover specialist consultations?
Yes, specialist consultations are covered, but there may be limitations on the number of consultations, or the amount covered.
Are there any waiting periods with Bonitas Medgap?
Yes, some benefits may be subject to waiting periods before they can be claimed.
What are the sub-limits with Bonitas Medgap?
Sub-limits are limits on certain benefits, such as the amount that can be claimed for a particular procedure or service.
Can I add a gap cover to my Bonitas medical aid?
Yes, Bonitas Medgap offers gap cover to pay for co-payments and shortfalls that the medical aid plan may not fully cover.
What are the shortfalls in medical aid plans?
Shortfalls are the difference between the amount a healthcare provider charges and the amount covered by the medical aid plan.
Are premiums for Bonitas Medgap higher than other medical aid plans?
Premiums for Bonitas Medgap may be higher than other medical aid plans due to the comprehensive cover and no co-payments for hospitalization.
