MedGap Student
About this plan
Designed for individuals aged 18 to 34, MedGap Under 35 provides affordable gap cover to help pay specialist shortfalls, approved medical scheme co-payments, and selected hospital-related expenses, giving young adults extra financial protection when medical scheme benefits fall short.
Monthly premium
From
R291
per month
What's covered
Hospital cover
Savings account
Day-to-day
Chronic cover
Dental
Optical
Maternity
Mental health
Waiting periods
- General
- 3 months
- Pre-existing conditions
- 12 months
MedGap Student
Bonitas MedGap Student Plan ( 🇿🇦 2025)
Overall, Bonitas MedGap Student Plan is a trustworthy short-term insurance product designed to provide extra protection for those with medical aid. The Bonitas MedGap Student Gap Cover Plan starts from R146 ZAR. Bonitas MedGap has a trust score of 4.5.| 🔎 Provider | 🥇 Bonitas MedGap Student 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 |
| 🟦 Average Monthly Premium | R146 |
| 🟥 Oncology Benefit | None |
| 🟧 In-Hospital Benefit | ✅ Yes |
| 🟨 Out-of-Hospital Cover | None |
Bonitas MedGap Student Plan - 6 Key Point Quick Overview
- ✅ Bonitas MedGap Student Plan Overview
- ✅ Bonitas MedGap Student Plan Benefits and Cover Breakdown
- ✅ Bonitas MedGap Student Plan Exclusions and Waiting Periods
- ✅ Bonitas MedGap Student Plan vs Other Gap Cover Plans
- ✅ Our Verdict on Bonitas MedGap Student Plan
- ✅ Bonitas MedGap Student Plan Frequently Asked Questions
Bonitas MedGap Student Plan Overview
The Bonitas MedGap Student Plan is one of three plans that starts from R146 per month. The Bonitas MedGap Student Plan has benefits for premium waivers, accidental death/permanent disability, casualties, co-payments, and medical practitioner shortfalls. 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 Student Plan Benefits and Cover Breakdown
Bonitas MedGap Student 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 the co-payment required by your medical scheme for certain procedures or treatments. |
| 🟨 Casualty Benefit | Provides cover for treatments received in a casualty ward up to R24,000. |
Bonitas MedGap Student Assist Benefits
| 🟦 Accidental Death or Disability Assist Benefit | Provides a lump sum payment of R55,000 for accidental death or disability. |
| 🟩 Premium Waiver Benefit | Waives the premium in the event of certain circumstances for up to R36,000. |
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Bonitas MedGap Student Plan Exclusions and Waiting Periods
Bonitas MedGap Student 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.
Bonitas MedGap Student Waiting Periods
Bonitas MedGap has the following waiting periods:- ✅ General 3-Month Expiration Period:
- ✅ Pre-existing condition waiting period of 9 months:
Bonitas MedGap Student Plan vs Other Gap Cover Plans
| 🔎 Provider | 🥇 Bonitas MedGap Student Plan | 🥈 Cura Administrators Gap Basic | 🥉 Ambledown Guardian |
| 🟥 Years in Operation | 41 years | 26 years | 19 years |
| 🟧 Underwriters | Centriq Insurance Company Limited | GENRIC Insurance Company Limited | Guardrisk Insurance Company Limited |
| 🟨 Market Share in South Africa | 5%> | <5% | 20% |
| 🟩 Gap Cover Waiting Period | 3 – 12 months | 3 – 12 months | 3 – 12 months |
| 🟪 Do Exclusions Apply | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟦 Monthly Premium | R146 | R220 | R245 |
| 🟥 Oncology Benefit | None | None | ✅ Yes |
| 🟧 In-Hospital Benefit | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟨 Out-of-Hospital Cover | None | None | ✅ Yes |
| 🟩 Maternity Benefit | None | None | None |
| 🟪 Scopes and Scans | None | ✅ Yes | ✅ Yes |
| 🟦 Co-payment Cover | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟥 Emergency Room | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟧 Accidental Cover | ✅ Yes | None | ✅ Yes |
| 🟨 Trauma Counseling | None | None | None |
| 🟩 Premium Waiver | ✅ Yes | None | ✅ Yes |
| 🟪 Non-DSP Co-Payment | None | None | ✅ Yes |
| 🟦 Prostheses | None | None | None |
| 🟥 Travel Cover Extender | None | None | None |
| 🟧 Accidental Death/ Permanent Disability | ✅ Yes | None | None |
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Our Verdict on Bonitas MedGap Student Plan
According to our research, the Bonitas MedGap Student Plan is a comprehensive gap cover plan designed specifically for students. The Plan offers a range of benefits at an affordable premium starting from R146 per month.💙You might consider advancing your healthcare knowledge about Medical Insurance South Africa
