Bonitas Medical Aid (🇿🇦 2025)
Overall, Bonitas Medical Aid offers 15 medical aid plans (Ranging from BonStart, BonStart Plus, Standard, Standard Select, BonFit Select, BonComplete, etc.) and starting from R1,154 per month. Additionally, Bonitas Medical Fund offers 24/7 emergency services. Gap Cover is available optional extra.
| 🔎 Medical Aid | 🥇 Bonitas |
| 📌 Registration Number | 1512 |
| 👥 Average number of members | 353 763 Principal members.
727 041 Total beneficiaries. |
| 👤 Number of Employees | 201-500 employees |
| 💯 Customer Rating | 4.9/5 |
| 📱 Mobile App | ✅ Yes |
Bonitas Medical Aid reviews from different sources
Bonitas Review – Analysis of Main Features
- ✅ Bonitas Medical Fund at a Glance
- ✅ Bonitas Medical Fund Regulation
- ✅ Bonitas Medical Fund Plan Overview
- ✅ Bonitas Medical Fund Plan Comparison
- ✅ Bonitas Medical Aid Categories and Plans
- ✅ Bonitas – Advantages Over Competitors
- ✅ Overview of Bonitas Medical Fund Gap Cover
- ✅ How to apply for Gap Cover with Bonitas Medical Fund
- ✅ Bonitas Medical Fund Medical Savings Account
- ✅ Bonitas Medical Savings Account at a Glance
- ✅ How to apply for Medical Aid with Bonitas Medical Fund
- ✅ How to Submit a Claim with Bonitas Medical Fund
- ✅ How to Submit a Compliment or Complaint with Bonitas Medical Fund
- ✅ How to Switch my Medical Aid to Bonitas Medical Fund
- ✅ Bonitas Medical Fund Customer Support
- ✅ Bonitas vs Discovery Health vs BestMed – A Comparison
- ✅ Bonitas Member Reviews
- ✅ Bonitas – Our Verdict
- ✅ Bonitas Medical Fund Pros and Cons
- ✅ Bonitas Medical Fund Frequently Asked Questions
Bonitas Medical Aid at a Glance
| 🔎 Medical Aid | 🥇 Bonitas |
| 📌 Date Established | 1982 |
| 📍 Headquartered | Florida North, Gauteng |
| 📎 Registration Number | 1512 |
| 👥 The average number of members | 750,000+ |
| ✔️ Number of Markets | 1 – South Africa |
| 👤 Number of Employees | 200+ |
| 📈 GCR Rating | AA |
| 📉 Listed on the JSE | ❎ No |
| 📊 JSE Stock Symbol | None |
| 🔍 The most recent Market Cap reported | 8.9 billion in reserves (2023) |
| 💯 Average Customer Rating | 4.9/5 |
| 📌 Average Number of Reviews | 5,200+ |
| 📍 Market Share | 15.05% |
| 📎 Number of plans | 15 |
| 🚑 Number of Hospitals in Network | 100+ |
| 🏠 Home Care provided | ☑️ Yes – Depending on plan |
| ❤️ Sponsorships | Bonitas Academy |
| 📱 Mobile App | ☑️ Yes |
| 💻 Social Media Platforms and Links | ☑️ Yes |
| 📖 Bonitas Medical Fund Magazine | ❎ No |
| 📌 Medical Claims Portal | ☑️ Yes |
| 🤝 Customer Support | ☑️ Yes |
| 📍 Information Hub for COVID-19 | ☑️ Yes |
| 📈 Chronic Illness Benefits | ☑️ Yes |
| 📉 Number of PMB Diagnoses | 271 |
| 📊 Number of PMB Chronic Conditions | 27
Certain plans provide cover for additional chronic conditions |
| 😷 Screening and Prevention offered | ☑️ Yes |
| 👶 Maternity Benefit | ☑️ Yes |
| 💵 Medical Aid Contribution Range (ZAR) | 1,154 ZAR – 11,321 ZAR |
| ⛔ Average Waiting Period | 3 months – if applicable and according to CMS guidelines |
| 💶 Late-joiner penalties | ☑️ Yes, 5% to 75% if applicable and according to CMS guidelines |
| 🌎 Is International Medical Cover offered | ☑️ Yes |
| 💰 International Travel Benefit (ZAR) | Up to R2.5 million cover per family for medical emergencies when you travel outside South Africa |
👉🏿 Free tool: Compare Medical Aid Plans
Bonitas Medical Aid Regulation
The Council for Medical Schemes regulates Bonitas Medical Aid as for all other Medical Schemes. The Council governs South Africa’s Medical Schemes (CMS), a regulating body set up under the Medical Schemes Act, No. 131 of 1998 (the Act). The CMS is responsible for a range of tasks related to the oversight of medical insurance plans, such as:
- ✅ Responsible for registering medical insurance plans and ensuring they comply with the law and other laws.
- ✅ Making sure healthcare plans have the money to pay claims.
- ✅ Examining and authorizing proposed price hikes for medical plans.
- ✅ Accepting and examining member complaints and initiating disciplinary action against medical plans that violate the Act or other applicable rules.
- ✅ Helping medical insurance plans follow the law and other laws.
Furthermore, if a medical scheme is found to violate the law, the CMS has the authority to issue administrative fines and penalties.
Bonitas Medical Aid Plan Overview
The Bonitas Medical Aid makes a wide range of plans available including:
The administers of Bonitas Medical Aid is Medscheme.
Bonitas Medical Aid Plan Comparison
| 🔎 Plan | 💴 Contributions Range (Main) ZAR | 💵 Contributions Range (+ Adult) ZAR | 💶 Contributions Range (+ Child) ZAR | 💷 Medical Savings (Up to) | 📌 Chronic Conditions |
| 🥇 BonStart | 1,498 | 1,498 | 1,498 | None | 27 |
| 🥈 BonStart Plus | 1,907 | 1,813 | 840 | None | 27 |
| 🥉 Standard | 5,439 | 4,715 | 1,596 | None | 45 |
| 🏅 Standard Select | 4,915 | 4,253 | 1,439 | None | 45 |
| 🥇 Primary | 3,307 | 2,587 | 1,052 | None | 27 |
| 🥈 Primary Select | 2,946 | 2,304 | 936 | None | 27 |
| 🥉 BonFit Select | 2,524 | 1,890 | 849 | R4,536 (Main)
R3,396 (+1 Adult)
R1,524 (+1 Child) | 27 |
| 🏅 BonSave | 3,782 | 2,859 | 1,132 | R11,352 (Main)
R8,580 (+1 Adult)
R3,396 (+1 Child) | 27 |
| 🥇 BonComplete | 6,040 | 4,838 | 1,639 | R10,848 (Main)
R8,688 (+1 Adult)
R2,940 (+1 Child) | 31 |
| 🥈 BonClassic | 7,453 | 6,398 | 1,840 | R12,636 (Main)
R10,848 (+1 Adult)
R3,120 (+1 Child) | 47 |
| 🥉 BonComprehensive | 11,321 | 10,676 | 2,306 | R25,632 (Main)
R24,168 (+1 Adult)
R5,220 (+1 Child) | 60 |
| 🏅 Hospital Standard | 3,252 | 2,739 | 1,236 | None | 27 |
| 🥇 BonEssential | 2,509 | 1,854 | 811 | None | 27 |
| 🥈 BonEssential Select | 2,192 | 1,606 | 723 | None | 27 |
| 🥉 BonCap | 1,154 | 1,154 | 732 | None | 27 |
Bonitas Medical Aid Categories and Plans
Bonitas Edge Plans
This new category is driven by innovation, intelligence, and technology. You get access to day-to-day services such as unlimited GP visits, virtual care layers, dental and optical consultations, a network of private hospitals, and more. The Plans in this category are:
- ✅ BonStart – Cover starts from 1,498 ZAR, and this plan is designed for single individuals and younger members in larger metro areas.
- ✅ BonStart Plus – is ideal for young and economically active families residing in larger cities in South Africa. Cover on this plan starts from an affordable 1,907 ZAR.
Bonitas Traditional Plans
These plans provide a daily maximum with sub-limits for GP and specialist consultations, acute and over-the-counter medication, X-rays and blood tests, and other out-of-hospital medical expenditures, in addition to risk-based benefits. The plans in this category are as follows:
- ✅ Standard – Cover on this plan starts from 5,439 ZAR and offer comprehensive day-to-day benefits and comprehensive hospital cover.
- ✅ Standard Select – Cover starts from 4,915 ZAR, and the plan uses a provider network that can offer members rich day-to-day benefits and hospital cover.
- ✅ Primary – From 3,307 ZAR per month, this plan offers traditional day-to-day benefits and hospital cover.
- ✅ Primary Select – From 2,946 ZAR, members can access a quality provider network for specific day-to-day benefits and hospital cover. Furthermore, this plan is 15% cheaper when members use the network of providers.
Bonitas Savings Plan
These plans provide a fixed (savings) amount for out-of-hospital expenses such as GP visits, optometry, and dental, in addition to in-hospital coverage. Extra maternity, wellness, and preventive care benefits. The plans in this category are as follows:
- ✅ BonFit Select – From 2,524 ZAR, this basic savings plan is sufficient to cover typical day-to-day medical needs while providing essential hospital cover to members.
- ✅ BonSave – From 3,782 ZAR, this plan has sufficient medical savings that can be used to cover typical day-to-day medical expenses while offering comprehensive coverage in-hospital.
- ✅ BonComplete – The plan starts from 6,040 ZAR and provides members with generous savings, an above-threshold benefit, and excellent in-hospital cover.
- ✅ BonClassic – This is an affordable savings plan that offers a good savings amount, welness and preventative benefits, and in- and out-hospital cover for 7,453 ZAR.
- ✅ BonComprehensive – This is the most comprehensive plan offered by Bonitas that, from 11,321 ZAR, with the largest savings, and an above-threshold benefit. Extensive hospital cover.
Bonitas Hospital Plans
These plans cover hospitalization for both unexpected and scheduled operations, procedures and hospitalisation. You also have access to extra wellness and preventive care benefits. The Hospital category offers these plans:
- ✅ Hospital Standard – from 3,252 ZAR per month, members can get extensive hospital and some value-added benefits.
- ✅ BonEssential – This plan provides comprehensive hospital and value-added benefits from 2,509 ZAR per month.
- ✅ BonEssential Select – From 2,192 ZAR, Bonitas members can get comprehensive hospital and value-added benefits when using the quality provider network offered by Bonitas.
Bonitas Income-Based Plans
This income-based entry-level plan provides essential daily benefits and hospital coverage via a network of providers, and hospitals.
Under this category, Bonitas offers BonCap, a plan from 1,154 ZAR that offers day-to-day benefits with hospital cover.
The premiums will depend on the income band within which the member falls, and they can get cover from several healthcare providers, and hospitals in the Bonita’s network.
💙 Read more about 5 Best Economical Medical Aids for Retirees / Elderly People
Medical Aid Bonitas – Advantages Over Competitors
Bonitas is a South African Medical Aid that provides various plans to it’s members
Bonitas is widely considered an excellent Medical Aid that receives a 4.9 on the total customer satisfaction rating. Furthermore, Bonitas has over 750,000 members..
Benefits of Bonitas as a medical aid in South Africa include the following:
- ✅ Bonitas provides 15 healthcare plans to accommodate a variety of budgets and healthcare needs.
- ✅ Access to a network of healthcare providers: As part of certain of their healthcare plans, Bonitas members get access to a network of healthcare providers, including hospitals, physicians, and specialists.
- ✅ Bonitas provides cover for chronic diseases such as diabetes, hypertension etc.
- ✅ Coverage for pregnancy and childbirth: Many of Bonitas’ healthcare plans provide coverage for maternity and childbirth.
Bonitas provides coverage for medical emergencies, such as accidents and injuries, as part of its healthcare plans.
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It is important to note that the specific benefits of Bonitas as a prominent medical aid fund in South Africa can differ based on the member’s choice of plan.
Therefore, before enrolling as a member, it is a good idea to thoroughly examine its specifics to verify that it suits your healthcare needs and budget.
Overview of Bonitas Medical Aid Gap Cover
Bonitas’ MedGap is a particularly developed short-term insurance plan that offers cover mainly for IN hospital shortages (“gaps”) should you or a family member need to undergo authorised surgery in a hospital or outpatient medical treatment in a facility. Gap Cover usually cover the private rates charged by Specialists IN hospital and co-payments as specified and applicable to certain procedures. This is an optional product available at additional cost.
💙 You might like: What is Gap Cover for Beginners?
The Bonitas Gap Cover is divided into the following sections:
Bonitas Medgap Primary
This is the basic gap cover offered by Bonitas that covers the following:
- ✅ Shortfall Benefit
- ✅ Co-Payment Benefit
Medgap Primary costs 309 ZAR for a standard family rate, 203 ZAR for a Primary under 30 years, and 713 ZAR for a Primary Pensioner. (2025*)
Bonitas Medgap Supreme
Medgap Supreme offers cover for the following:
- ✅ Violent Crime Benefit
- ✅Cancer Benefit
- ✅ Casualty Benefit
- ✅ Co-Payment Benefit
- ✅ Shortfall Benefit
- ✅ Baby Bump
- ✅ Premium Waiver
- ✅ Accidental Death and Disability
- ✅ Trauma Counselling
- ✅ Internal Prosthesis Benefit
- ✅ Shortfall Benefit
A Medgap Supreme primary member pays 394 ZAR (family rate) for cover, while the Under 30 years Cover is 266 ZAR, and Pensioner is 753 ZAR. (2025*)
💙 Poll: 10 Best Gap Cover Plans for medical aid in South Africa
Bonitas Medgap Student Gap
Exclusive coverage for full-time students enrolled at a recognized institution of higher education. This is for those older than 18 but younger than 28. Furthermore, the primary member’s student gap cover is 146 ZAR per month.
Bonitas Medgap Millennial
This unique coverage provides both the Primary and Supreme choices at a fair price for those aged 18 to 30. Millennial cover ranges from 203 to 266 ZAR.
How to apply for Gap Cover with Bonitas Medical Fund
To apply for Gap Cover with Bonitas through Medgap, you can follow these steps:
- ✅ Visit the Medgap website and click on the “Documents” tab from the homepage.
- ✅ Scroll down to “Applications” and click “Medgap for Bonitas” to download the form.
- ✅ Print the form and complete all relevant sections.
- ✅ Once complete, you can submit your form to Medgap. Remember to attach a copy of your medical aid scheme membership certificate when you apply.
- ✅ Medgap will contact you once the application has been processed to discuss any further details.
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Bonitas Medical Aid – Medical Savings Account
Bonitas offers a Medical Savings on its Saving Plans, providing members with up-front funds they can use for out-of-hospital GP visits, optometry, dentistry, and other services. There are five plans under this category as follows:
- ☑️ BonFit Select
- ☑️ BonSave
- ☑️ BonComplete
- ☑️ BonClassic
- ☑️ BonComprehensive
Bonitas Medical Savings Account at a Glance
| Plan | Main Member MSA (ZAR) | Adult MSA (ZAR) | Child MSA (ZAR) | Self-Payment Gap | Threshold Level (ZAR) | Above Threshold Benefit (ZAR) |
| BonFit Select | R4,536 | R3,396 | R1,524 | – | – | – |
| BonSave | R11,352 | R8,580 | R3,396 | – | – | – |
| BonComplete | R10,848 | R8,688 | R2,940 | R2,260 (Main)
R1,910 (Adult)
R495 (Child) | R13,108 (Main)
R10,598 (Adult)
R3,435 (Child) | R6,010 (Main)
R3,520 (Adult)
R1,540 (Child) |
| BonClassic | R12,636 | R10,848 | R3,120 | – | – | – |
| BonComprehensive | R25,632 | R24,168 | R5,220 | R5,210 (Main)
R4,320 (Adult)
R1,970 (Child) | R30,842 (Main)
R28,488 (Adult)
R7,190 (Child) | Unlimited |
💙 Discover the 5 Top Medical Aid companies with Immediate Medical Aid Cover (No Waiting Period)
How to apply for Medical Aid with Bonitas
Medical Aid Quote Bonitas Medical Fund process explained
To apply for Medical Aid through Bonitas Medical Aid, you must:
- ✅ Visit the official Bonitas website and click “Become A Member” from the homepage.
- ✅ Indicate who you would like to cover by providing the number of adults and/or children.
- ✅ Provide details such as your Full Name and Surname (According to your ID Card or Green ID Book), a valid email address, and your cellphone number.
- ✅ Indicate the type of plan you want by choosing between eg. “Comprehensive” and “Hospital” by clicking the appropriate option. Next, click the slider if you want a network plan and indicate whether you or your family has a chronic condition. You can type a condition and add them one at a time until you have listed all the chronic conditions.
- ✅ Based on your provided information, the system will automatically suggest the Bonitas plan that best suit your needs.
- ✅ You can review these plans, compare them, download a quote, and submit your selection.
- ✅ Once received, Bonitas will contact you to discuss the details and finalize your application.
New Members 36 years or older may be subject to late-joiner penalties on Bonitas Medical Aid Plans
👉🏿 Article focused on the Application process of Bonitas medical aid.
How to Submit a Claim with Bonitas Medical Aid
Members can submit a claim to Bonitas in the following ways:
- ✅ Submit your claim in person when visiting one of the walk-in centers in Bloemfontein, Cape Town, Durban, Johannesburg, Kathu, Klerksdorp, Kimberley, Lephalale, Nelspruit, Polokwane, Port Elizabeth, Pretoria, Roodepoort, Rustenburg, or Vereeniging.
- ✅ Send your claim via post to Bonitas Claims Department, PO Box 74, Vereeniging, 1930.
Email your claim to [email protected]
👉🏿 Read our article regarding the authorisation process for Bonitas.
How to Submit a Compliment or Complaint with Bonitas Medical Aid
Bonitas Medical Fund aims to provide the best available care. For this reason, Bonitas is available at flexible times during the week.
Furthermore, Bonitas has a general inquiries and consumer complaints line to tend to all customer queries, complaints, compliments, and issues. However, note the reference number associated with the inquiry, as it will be needed when following up.
General queries, compliments, and complaints can be addressed via the following channels:
👉🏿 A in depth guide for the complaints procedure for Bonitas
How to Switch My Medical Aid to Bonitas Medical Aid
To change from an existing medical aid to Bonitas Medical Aid, you must inform your current medical aid of your plan to terminate coverage.
💙 READ MORE: 10 Things to Consider Before Cancelling your Medical
💙 Below is comparisons between Bonitas and other Medical Aid Schemes:
Bonitas vs. Discovery Health
Bonitas vs. Sizwe Hosmed Medical Fund
Bonitas vs. Medihelp
Bonitas vs. Medshield
Bonitas vs. KeyHealth
Bonitas vs. Fedhealth
Bonitas vs. BestMed Medical Scheme
Bonitas vs. Momentum Medical Scheme
Bonitas Medical Aid Customer Support
You can contact Bonitas Medical Aid customer support by phone, email, or in person. Customer support is available from 8 am to 5 pm, Mondays to Fridays. Furthermore, Bonitas has Emergency Medical Services that operate 24/7.
💙 A guide: Contact details of various departments of Bonitas Medical Scheme.
Bonitas vs Discovery Health vs BestMed – A Comparison
| 🔎 Medical Aid | 🥇 Bonitas Medical Fund (2025) | 🥈 Discovery Health (2025) | 🥉 BestMed (2025) |
| 📌 Date Established | 1982 | 1992 | 1964 |
| 👥 Average # Members | 353 763 Principal members.
727 041 Total beneficiaries. | 3.3 million | 209,000+ |
| 📈 GCR Rating | AA | AAA | AA |
| 📉 Number of Employees | 200+ | 13,500 | 470+ |
| 📊 Market Share | +-25% | 56.7% | +-10% |
| 🔍 Market Coverage | South Africa | 40 Markets | South Africa |
| 💯 Customer Rating | 4.9/5 | 4.4/5 | 4.9/5 |
| ✔️ Number of reviews | 5,000+ | 20,000+ | 800+ |
| 📱 Mobile App | ✅ Yes | ✅ Yes | ✅ Yes |
| 💵 Contribution Range (ZAR) | 1,154 ZAR – 11,321 ZAR | 1,184 – 11,430 ZAR | 1,615 ZAR – 11,662 ZAR |
| 💶 International Travel Benefit (ZAR) | Up to R2.5 million cover per family | Up to 5 million ZAR | Up to 5 million ZAR |
| 💷 Market Capitalization | 8.9 billion in reserves (2023) | 86.2 billion ZAR | 4.9 billion in reserves (2025) |
💙 Poll: 5 Best Medical Aids Covering Glasses & Optometry
Bonitas Member Reviews
Immensely Helpful.
During the most challenging time in my life, Bonitas has been immensely helpful. I am most grateful that I could concentrate only on my recovery without worrying about my finances.
Thank you, Bonitas, for being a member of my family and ensuring that I am properly cared for and treated at each hospital visit and consultation. You provide the greatest medical assistance. Thank you. – Solomon Phelps
Great Broker.
I cannot believe the time required to process a November-submitted claim. It was quick and easy. – Hunter Grey
Happy Member.
I have been with Bonitas BonCap Option for four years. Fortunately, I have not yet had to go to the hospital, but I have been to the doctor a few times and had a comprehensive examination, which drained my whole assistance and for which I am making monthly payments.
Understandably, income-based medical help does not provide the same advantages as standard medical aid.
When I am unwell, I do not have to worry about money; I can just visit him. Knowledge is strength. Bonitas constantly sends out newsletters detailing modifications and new additions; thus, I recommend all BonCap members study the material, ask questions, and be aware of their advantages. – Haleema Nash
Bonitas – Our Verdict
👉🏿 Bonitas Medical Aid meets various needs and requirements of South Africans. Their plans are designed to provide for a selection of medical needs and healthcare solutions.
👉🏿 In addition, Bonitas has provided over 750 000 beneficiaries with a range of plans with cover for both in and out of hospital. Furthermore, Bonitas has met a range of medical needs by providing a variety of plans to choose from.
👉🏿 With a product offering that includes hospital plans, savings plans, and comprehensive plans, Bonitas has all bases covered.
💙 You might also like: 5 Best Medical Aid Schemes for Employees
Bonitas Medical Aid Pros and Cons
| ✅ Pros | ❎ Cons |
| Bonitas provides a variety of plans to accommodate various budgets and healthcare needs | Some Bonitas plans may have higher rates than other medical schemes. |
| The plans offered by Bonitas provide substantial coverage for a vast array of medical services, including hospitalization, day-to-day benefits, and chronic illness management | Some Bonitas plans might not cover certain treatments or services due to exclusions and limits. |
| Bonitas offers an extensive network of healthcare providers, including hospitals, physicians, and specialists, making it affordable and easier for members to obtain the treatment they need | Bonitas members might experience lenghty claims and query processes or coverage disputes. Most often if not advised correctly of the chosen plan’s benefits and correct claim/query procedures to follow. |
💙 Poll: The Best Medical Aids Schemes in South Africa – Rated and Reviewed.
Bonitas Medical Fund Frequently Asked Questions
What is the Bonitas Benefit Booster?
Bonitas Benefit Booster enables members to boost their yearly out-of hospital benefits.
It’s an extra out-of-hospital benefit amount in addition to your day-to-day
or savings amount, that you get after completing an online wellness
questionnaire and/or wellness screening. Once activated, out-of-hospital
claims like GP visits, over-the-counter medicine, X-Rays and blood tests will then first pay from the available Benefit Booster amount – helping your day-to-day benefit/savings last longer.
Are there Bonitas Gym Benefits when I join?
As a member of Bonitas, you can enroll in the Sanlam Reality rewards program at additional cost. You will amongst other benefits, enjoy a gym benefit at Virgin Active, and the more you exercise, the higher your rewards will be.
How long is the wait for Authorisation?
Variables like the case’s complexity, the availability of experts, and Bonitas’ rules and guidelines per plan type might affect the time it takes to get authorisation. Depending on these factors, getting authorization could take upto a few days. Except in the case of life threatening events.
Where can I do the Bonitas Wellness questionnaire?
You can conduct your wellness check at a company wellness day or a partnering pharmacy.
How many providers are in the Bonitas Specialist Network?
According to Bonitas, it has the largest GP and Specialist network in South Africa.
How to Downgrade my Plan with Bonitas Medical Aid?
To downgrade your plan with Bonitas Medical Aid, you can Contact Bonitas via email or telephone. Alternatively, visit a walk-in center where you can complete the process in person by obtaining the “Change of Option” form from Bonitas for 2025.
How do I add a Beneficiary to Bonitas Medical Fund?
If you want to add a child or adult dependent, you can log into your Bonitas Client profile and Contact Bonitas telephonically or via email to notify them of your intention to add a beneficiary.
