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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

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.

and many more. A full list of exclusions will be provided by Bonitas MedGap.

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:

And finally, a 12-Month waiting period for birth, cancer, or anything pregnancy-related.

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.

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Frequently Asked Questions

How much does the Bonitas MedGap Student Plan cost?

The Bonitas MedGap Student Plan starts at a monthly premium of R146, making it an affordable option for students.

How long has Bonitas been operating?

Bonitas has been operating for over 46 years, demonstrating a long-standing commitment to providing gap-cover solutions.

Who would benefit most from the Bonitas MedGap Student Plan?

The Bonitas MedGap Student Plan is ideal for students who want comprehensive gap coverage at an affordable price. It is designed specifically to cater to the needs of students and helps protect against potential financial shortfalls in their medical scheme cover.

What benefits are included in the Bonitas MedGap Student Plan?

The plan provides various benefits, including premium waivers, cover for accidental death/permanent disability, casualties, co-payments, and medical practitioner shortfalls.

Are there any exclusions I should be aware of in the Bonitas MedGap Student Plan?

Yes, exclusions do apply to the plan. It is important to thoroughly review the terms and conditions to understand which conditions or treatments may not be covered.

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.