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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 R240 ZAR. Bonitas MedGap has a trust score of 4.5.
π Provider | π₯ Bonitas MedGap Primary Plan |
π₯ Years in Operation | 41 years |
π§ Underwriters | Centriq Insurance Company Limited |
π¨ Market Share in South Africa | 5%> |
π© Gap Cover Waiting Period | 3 β 12 months |
π¦ Do Exclusions Apply | β Yes |
πͺ Monthly Premium | R240 – R653 |
π₯ Oncology Benefit | None |
π§ In-Hospital Benefit | β Yes |
π¨ Out-of-Hospital Cover | None |
The Bonitas MedGap Primary Plan is one of three plans that starts from R240 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 CoverΒ has the following plans to choose from:
π °οΈ Bonitas Plan | π₯ Standard | π₯ Millennial | π₯ Pensioner |
π ±οΈ Premium | R400 | R240 | R653 |
π °οΈ 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%. |
π ±οΈ Co-payment Benefit | Covers the co-payment required by your medical scheme for certain procedures or treatments. |
Bonitas MedGap excludes cover for:
and more. A full list of Exclusions will be Provided by Bonitas.
Bonitas MedGap has the following waiting periods:
Finally, a 12-Month waiting period for birth, cancer, or anything pregnancy-related.
π Provider | π₯ Bonitas MedGap Primary Plan | π₯ Zestlife Optimal | π₯ NetcarePlus GapCare |
π₯ Years in Operation | 41 years | 3 years | 27 years |
π§ Underwriters | Centriq Insurance Company Limited | Guardrisk Life Limited (FSP 76) Guardrisk Insurance Company Limited (FSP 75) | The Hollard Insurance Company Limited |
π¨ Market Share in South Africa | 5%> | >15% | <5% |
π© Gap Cover Waiting Period | 3 β 12 months | 3 β 12 months | 3 β 12 months |
π¦ Do Exclusions Apply | β Yes | β Yes | β Yes |
πͺ Monthly Premium | R240 – R653 | R239 | R355 – R390 |
π₯ Oncology Benefit | None | None | β Yes |
π§ In-Hospital Benefit | β Yes | β Yes | β Yes |
π¨ Out-of-Hospital Cover | None | β Yes | β Yes |
π© Maternity Benefit | None | None | β Yes |
π¦ Scopes and Scans | None | β Yes | β Yes |
πͺ Co-payment Cover | β Yes | None | β Yes |
π₯ Emergency Room | None | β Yes | β Yes |
π§ Accidental Cover | None | None | β Yes |
π¨ Trauma Counseling | None | β Yes | β Yes |
π© Premium Waiver | None | β Yes | β Yes |
π¦ Non-DSP Co-Payment | None | β Yes | β Yes |
πͺ Prostheses | None | β Yes | None |
π₯ Travel Cover Extender | None | None | None |
π§ Accidental Death/ Permanent Disability | None | β Yes | None |
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 R240 per month.
While it does not provide comprehensive benefits like oncology or maternity cover, it focuses on addressing specific gaps in medical scheme cover.Β 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.
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The Bonitas MedGap Primary plan offers cover for medical practitioner shortfalls and co-payments.
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.
Yes, the Bonitas MedGap Primary plan has waiting periods. However, the specific waiting periods can vary and typically range from 3 to 12 months.
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.
The premium rates for the Bonitas MedGap Primary plan in 2023 are Standard – R262, Millennial – R172, and Pensioner – R575 per month.
The premium rates for the Bonitas MedGap Primary plan in 2024 are Standard – R400, Millennial – R240, and Pensioner – R653 per month.
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