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Bonitas MedGap Primary Plan (🇿🇦 2025)

Overall, Bonitas MedGap Primary Plan is a trustworthy short-term insurance product designed to provide extra protection for those with medical aid. The Bonitas MedGap Primary Gap Cover Plan starts from R270 ZAR. Bonitas MedGap has a trust score of 4.5.

🔎 Provider	🥇 Bonitas MedGap Primary Plan
🟥 Years in Operation	41 years
🟧 Underwriters	Centriq Insurance Company Limited
🟨 Market Share in South Africa	5%>
🟩 Gap Cover Waiting Period	3 – 12 months
🟦 Do Exclusions Apply	✅ Yes
🟪 Monthly Premium	R270 – R713
🟥 Oncology Benefit	None
🟧 In-Hospital Benefit	✅ Yes
🟨 Out-of-Hospital Cover	None

Bonitas MedGap Primary Plan – 7 Key Point Quick Overview

Bonitas MedGap Primary Plan Overview

The Bonitas MedGap Primary Plan is one of three plans that starts from R270 per month. The Bonitas MedGap Primary Plan has benefits for medical practitioner shortfalls and co-payments.

Bonitas MedGap offers 24/7 medical emergency assistance and has a trust rating of 4.5, according to the Trust Index.

Bonitas MedGap Gap Cover has the following plans to choose from:

Bonitas MedGap Primary Plan Premiums

🅰️ Bonitas Plan	🥇 Single	🥈 Standard	🥉 Pensioner
🅱️ Premium	R270	R309	R713

Bonitas MedGap Primary Plan Benefits and Cover Breakdown

Bonitas MedGap Primary Shortfall Benefits

🅰️ Medical Practitioner Shortfall Benefit	Covers the gap between what the medical scheme has paid, and the actual cost incurred for the medical practitioner who treated you in the hospital of up to 300%.
🅱️ Co-payment Benefit	Covers co-payments which a medical scheme levies for approved in-hospital or out-of-hospital procedures which members need to pay upfront and out of their own pockets.

Bonitas MedGap Primary Plan Exclusions and Waiting Periods

Bonitas MedGap Primary Exclusions

Bonitas MedGap excludes cover for:

✅ 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 taking the drug.
✅ Taking any illegal drug.

and more. A full list of Exclusions will be Provided by Bonitas.

Bonitas MedGap Primary Waiting Periods

Bonitas MedGap has the following waiting periods:

✅ General 3-Month Expiration Period
✅ A pre-existing condition waiting period of 9 months

Finally, a 12-month waiting period for birth, cancer, or anything pregnancy-related.

Bonitas MedGap Primary Plan vs Other Gap Cover Plans

🔎 Provider	🥇 Bonitas MedGap Primary Plan	🥈 Zestlife Optimal	🥉 NetcarePlus GapCare
🟥 Years in Operation	41 years	3 years	27 years
🟧 Underwriters	Centriq Insurance Company Limited	Guardrisk Life Limited (FSP 76) Guardrisk Insurance Company Limited (FSP 75)	The Hollard Insurance Company Limited
🟨 Market Share in South Africa	5%>	>15%	<5%
🟩 Gap Cover Waiting Period	3 – 12 months	3 – 12 months	3 – 12 months
🟦 Do Exclusions Apply	✅ Yes	✅ Yes	✅ Yes
🟪 Monthly Premium	R270 – R713	R253 – R592	R315 – R415
🟥 Oncology Benefit	None	None	✅ Yes
🟧 In-Hospital Benefit	✅ Yes	✅ Yes	✅ Yes
🟨 Out-of-Hospital Cover	None	✅ Yes	✅ Yes
🟩 Maternity Benefit	None	None	✅ Yes
🟦 Scopes and Scans	None	✅ Yes	✅ Yes
🟪 Co-payment Cover	✅ Yes	None	✅ Yes
🟥 Emergency Room	None	✅ Yes	✅ Yes
🟧 Accidental Cover	None	None	✅ Yes
🟨 Trauma Counseling	None	✅ Yes	✅ Yes
🟩 Premium Waiver	None	✅ Yes	✅ Yes
🟦 Non-DSP Co-Payment	None	✅ Yes	✅ Yes
🟪 Prostheses	None	✅ Yes	None
🟥 Travel Cover Extender	None	None	None
🟧 Accidental Death/ Permanent Disability	None	✅ Yes	None

Our Verdict on Bonitas MedGap Primary Plan

According to our research, the Bonitas MedGap Primary Plan offers essential cover for medical practitioner shortfalls and co-payments at a competitive premium starting from R270 per month.

While it does not provide comprehensive benefits like oncology or maternity cover, it focuses on addressing specific gaps in medical scheme cover. Furthermore, according to our findings, Policyholders can benefit from the plan’s 24/7 medical emergency assistance and the trust associated with Bonitas MedGap.

However, individuals seeking broader coverage or specific benefits like oncology or maternity might need to explore alternative options.

💙You might like to read more about the 5 Best Medical Aid Plans for Workers

Bonitas MedGap Primary Plan Frequently Asked Questions

What are the benefits covered by the Bonitas MedGap Primary plan?

The Bonitas MedGap Primary plan offers cover for medical practitioner shortfalls and co-payments.

How does the Bonitas MedGap Primary plan compare to other gap cover plans?

Compared to other gap cover plans, the Bonitas MedGap Primary plan focuses on specific cover for medical practitioner shortfalls and co-payments. Furthermore, it has different benefits and limitations compared to other plans, so it is important to compare the details before deciding.

Are there waiting periods for the Bonitas MedGap Primary plan?

Yes, the Bonitas MedGap Primary plan has waiting periods. However, the specific waiting periods can vary and typically range from 3 to 12 months.

Who can benefit from the Bonitas MedGap Primary plan?

The Bonitas MedGap Primary plan can benefit individuals with medical scheme cover but seek basic financial support for medical practitioner shortfalls and co-payments. In addition, it is suitable for those who prioritize specific gap covers in these areas.

What are the premium rates for the Bonitas MedGap Primary plan in 2025?

The premium rates for the Bonitas MedGap Primary plan in 2025 are Under 30 – R203, Single Individual R270, Standard Family Rate R309, Pensioner member only R713, Student R146 per month.

Adriaan Schoeman

Adriaan holds an MBA and specializes in medical aid research. With his commitment to perfection, he ensures the accuracy of all data presented on medicalaid.com every three months. When he is not conducting research, Adriaan can be found indulging in his passion for trout fishing amidst nature.