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Bonitas MedGap Supreme Plan ( 🇿🇦 2025)

Overall, the Bonitas MedGap Supreme Plan is a trustworthy short-term insurance product designed to provide extra protection for those with medical aid. The Bonitas MedGap Supreme Gap Cover Plan starts from R343 ZAR. Bonitas MedGap has a trust score of 4.5.

🔎 Provider	🥇 Bonitas MedGap Supreme 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	R343 – R753
🟥 Oncology Benefit	✅ Yes
🟧 In-Hospital Benefit	✅ Yes
🟨 Out-of-Hospital Cover	✅ Yes

Bonitas MedGap Supreme Plan – 7 Key Point Quick Overview

Bonitas MedGap Supreme Plan Overview

The Bonitas MedGap Supreme Plan is one of three plans that starts from R343 per month. The Bonitas MedGap Supreme Plan has benefits for allied professionals, oncology, co-payment, casualties, accidental death/permanent disability, premium waiver, maternity, and more.

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 Supreme Plan Premiums

🅰️ Plan	🥇 Single	🥇 Standard	🥉 Pensioner
🅱️ Premium	R343	R394	R753

💙Read more about the 5 Best Hospital Plans for Immigrants

Bonitas MedGap Supreme Plan Benefits and Cover Breakdown

Bonitas MedGap Supreme 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%.
🟧 Allied Professional Shortfall Benefit	They cover the shortfall between what the allied professional has charged and what your medical scheme has paid. This is paid up to 3 times the amount paid by your medical scheme towards in-hospital shortfalls and is limited to R2 500 per policy per year.
🟨 Robotic Procedure Shortfall Benefit	Should your condition require the use of Robot Assisted surgery and your medical scheme levies a co-payment, we will cover you up to R12,000 per policy per year
🟩 Co-payment Benefit	Covers the co-payment required by your medical scheme for certain procedures or treatments.
🟦 Non-DSP Co-Payment Benefit	Covers the co-payment for using non-designated service providers.
🟪 Robotic Procedure Co-Payment Benefit	Covers the co-payment for robotic-assisted procedures up to R12,000.
🟥 Oncology Co-Payment Benefit	Covers the co-payment for oncology treatments by up to 20%.
🟧 Oncology Extender Benefit	Provides additional cover for oncology treatments up to 20%.
🟨 Internal Prostheses Shortfall Benefit	The shortfall cover for internal prostheses is up to R35,000 per family per year, while stents are covered up to R8,000, subject to the overall annual limit.
🟩 Casualty Benefit	Provides cover for treatments received in a casualty ward up to R24,000. y, for a child that is 8 years old or younger limited to R5 000 per policy per year, this aggregates to the R24 000 annual limit.
🟦 Sub-limit Benefit	Provides additional cover of up to R16,000 when the medical scheme’s sub-limits are reached.

Bonitas MedGap Supreme Assist Benefits

🟥 Cancer Assist Benefit	Pays a benefit of R8 000 if an insured is diagnosed with minimum stage II, local and malignant cancer for the first time while covered on the policy OR Pays R20 000 for first-time diagnosis of at least stage II, regional and malignant cancer. Pays an additional R15 000 if the medical scheme oncology benefit limit is reached in the same year. Benefit is payable once per insured per lifetime. This benefit assists in covering unexpected costs which may arise as a result of the diagnosis.
🟧 Accidental Death or Disability Assist Benefit	Provides a lump sum payment of R55,000 for accidental death or disability.
🟨 Violent Crime Benefit	Provides a lump sum payment in the event of violent crime.
🟩 Breast Reconstruction Benefit (for non-affected breast)	Covers the cost of reconstructive surgery of up to R15,000 for the non-affected breast after a mastectomy.
🟦 Premium Waiver Benefit	Waives the premium in the event of certain circumstances for up to R36,000.
🟪 Trauma and Bereavement Counselling Benefit	Pays R800 per counselling session up to R30 000 per family per year.
🟥 Baby Bump Benefit	Provides a lump sum payment of R2,500 for the birth or adoption of a child.

Bonitas MedGap Supreme Plan Exclusions and Waiting Periods

Bonitas MedGap Supreme 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.

Bonitas MedGap Supreme Waiting Periods

Bonitas MedGap has the following waiting periods:

✅ A 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 Supreme Plan vs Other Medical Aid Gap Cover Plans

🔎 Provider	🥇 Bonitas MedGap Supreme Plan	🥈 Cura Administrators Gap Advanced	🥉 NetcarePlus GapCare 500+
🟥 Years in Operation	41 years	26 years	27 years
🟧 Underwriters	Centriq Insurance Company Limited	GENRIC Insurance Company Limited	The Hollard Insurance Company Limited
🟨 Market Share in South Africa	5%>	<5%	<5%
🟩 Gap Cover Waiting Period	3 – 12 months	3 – 12 months	3 – 12 months
🟦 Do Exclusions Apply	✅ Yes	✅ Yes	✅ Yes
🟪 Monthly Premium	R343 – R753	R480 – R760	R415
🟥 Oncology Benefit	✅ Yes	✅ Yes	✅ Yes
🟧 In-Hospital Benefit	✅ Yes	✅ Yes	✅ Yes
🟨 Out-of-Hospital Cover	✅ Yes	None	✅ Yes
🟩 Maternity Benefit	✅ Yes	None	✅ Yes
🟦 Scopes and Scans	✅ Yes	✅ Yes	✅ Yes
🟪 Co-payment Cover	✅ Yes	None	✅ Yes
🟥 Emergency Room	✅ Yes	✅ Yes	✅ Yes
🟧 Accidental Cover	✅ Yes	None	✅ Yes
🟨 Trauma Counseling	✅ Yes	✅ Yes	✅ Yes
🟩 Premium Waiver	✅ Yes	✅ Yes	✅ Yes
🟦 Non-DSP Co-Payment	✅ Yes	✅ Yes	✅ Yes
🟪 Prostheses	✅ Yes	✅ Yes	✅ Yes
🟥 Travel Cover Extender	None	✅ Yes	None
🟧 Accidental Death/ Permanent Disability	✅ Yes	None	✅ Yes

Our Verdict on Bonitas MedGap Supreme Plan

According to our research, the Bonitas MedGap Supreme Plan offers a comprehensive range of benefits and covers medical expenses, making it an attractive option for individuals seeking additional cover.

The plan benefits various services, including oncology, in-hospital and out-of-hospital treatments, co-payments, emergency room visits, and more.

Frequently Asked Questions

What is the monthly premium for Bonitas MedGap Supreme Plan in 2025?

The Bonitas MedGap Supreme Plan premiums in 2025 are as follows: Under 30 – R266, Single – R343, Standard – R394, Pensioner – R753.

What are the benefits covered by Bonitas MedGap Supreme Plan?

Bonitas MedGap Supreme Plan covers a wide range of benefits, including allied professionals, oncology, co-payment, casualties, accidental death/permanent disability, premium waiver, and maternity, among others.

How does Bonitas MedGap Supreme Plan compare to other gap cover plans?

Bonitas MedGap Supreme Plan offers comparable benefits to other gap cover plans, especially those of notable short- and long-term insurance market competitors.

What are the waiting periods for Bonitas MedGap Supreme Plan?

Bonitas MedGap Supreme Plan has a general 3-month waiting period for those not signing up through an employer. Additionally, there is a 9-month waiting period for pre-existing conditions and a 12-month waiting period for birth, cancer, or anything pregnancy-related.

Does the Bonitas MedGap Supreme Plan provide 24/7 medical emergency assistance?

Yes, the plan offers 24/7 medical emergency assistance, ensuring you have access to support and guidance during emergencies, day or night.

How does the Bonitas MedGap Supreme Plan compare to other gap cover plans?

The Bonitas MedGap Supreme Plan distinguishes itself through its comprehensive coverage, including benefits for oncology treatments, in-hospital and out-of-hospital care, co-payments, emergency room visits, and more.

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.