Bonitas Medical Aid Scheme

 

Overall, Bonitas Medical Fund offers 15 medical aid plans (BonStart, BonStart Plus, Standard, Standard Select, BonFit Select, BonComplete, etc.) starting from R1,338 per month.  Additionally, Bonitas Medical Fund offers 24/5 support, 24/7 emergency services, and comprehensive gap cover on every policy.

 

🔎 Medical Aid	🥇 Bonitas
📌 Registration Number	1512
👥 Average number of members	750,000+
👤 Number of Employees	105+
💯 Customer Rating	4.9/5
📱 Mobile App	✅ Yes

 

 

 

Bonitas Review – Analysis of Medical Aids’ Main Features

 

1. ✅ Bonitas Medical Fund at a Glance
2. ✅ Bonitas Medical Fund Regulation
3. ✅ Bonitas Medical Fund Plan Overview
4. ✅ Bonitas Medical Fund Plan Comparison
5. ✅ Bonitas Medical Aid Categories and Plans
6. ✅ Bonitas – Advantages Over Competitors
7. ✅ Overview of Bonitas Medical Fund Gap Cover
8. ✅ How to apply for Gap Cover with Bonitas Medical Fund
9. ✅ Bonitas Medical Fund Medical Savings Account
10. ✅ Bonitas Medical Savings Account at a Glance
11. ✅ How to apply for Medical Aid with Bonitas Medical Fund
12. ✅ How to Submit a Claim with Bonitas Medical Fund
13. ✅ How to Submit a Compliment or Complaint with Bonitas Medical Fund
14. ✅ How to Switch my Medical Aid to Bonitas Medical Fund
15. ✅ Bonitas Medical Fund Customer Support
16. ✅ Bonitas vs Discovery Health vs BestMed – A Comparison
17. ✅ Bonitas Member Reviews
18. ✅ Bonitas – Our Verdict
19. ✅ Bonitas Medical Fund Pros and Cons
20. ✅ Bonitas Medical Fund Frequently Asked Questions

 

 

Bonitas Medical Fund 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	105+
📈 GCR Rating	AA
📉 Listed on the JSE	❎ No
📊 JSE Stock Symbol	None
🔍 The most recent Market Cap reported	7.4 billion in reserves (2021)
💯 Average Customer Rating	4.9/5
📌 Average Number of Reviews	5,200+
📍 Market Share	+-25%
📎 Number of plans	15
🚑 Number of Hospitals in Network	100+
🏠 Home Care provided	❎ No
❤️ 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	–
📊 Number of PMB Chronic Conditions	60
😷 Screening and Prevention offered	☑️ Yes
👶 Maternity Benefit	☑️ Yes
💵 Medical Aid Contribution Range (ZAR)	1,338 ZAR – 8,990 ZAR
⛔ Average Waiting Period	3 months
💶 Late-joiner penalties	☑️ Yes, 5% to 25%
🌎 Is International Medical Cover offered	☑️ Yes
💰 International Travel Benefit (ZAR)	10 million ZAR

 

 

 

Bonitas Medical Fund Regulation

 

The Council for Medical Schemes regulates Bonitas Medical Fund Medical Scheme.  The Council governs South Africa’s medical plan business for 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 Fund Plan Overview

 

The Bonitas Medical Fund makes a wide range of plans available including:

 

• ✅ BonStart
• ✅ BonStart Plus
• ✅ Standard
• ✅ Standard Select
• ✅ Primary
• ✅ Primary Select
• ✅ BonFit Select
• ✅ BonSave
• ✅ BonComplete
• ✅ BonClassic
• ✅ BonComprehensive
• ✅ Hospital Standard
• ✅ BonEssential
• ✅ BonEssential Select
• ✅ BonCap

 

 

 

Bonitas Medical Fund Plan Comparison

 

🔎 Plan	💴 Contributions Range (Main) ZAR	💵 Contributions Range (+ Adult) ZAR	💶 Contributions Range (+ Child) ZAR	💷 Medical Savings (Up to)	📌 Chronic Conditions
🥇 BonStart	1,338	1,338	1,339	None	27
🥈 BonStart Plus	1,703	1,619	750	None	27
🥉 Standard	4,543	3,938	1,333	None	45
🏅 Standard Select	4,105	3,552	1,202	None	45
🥇 Primary	2,792	2,184	888	None	27
🥈 Primary Select	2,443	1,910	776	None	27
🥉 BonFit Select	2,236	1,674	729	R4,019 (Main) R3,036 (+1 Adult) R2,724 (+1 Child)	27
🏅 BonSave	3,228	2,500	966	R9,099 (Main) R7,044 (+1 Adult) R1,282 (+1 Child)	27
🥇 BonComplete	4,890	3,916	1328	R8,640 (Main) R6,918 (+1 Adult) R2,349 (+1 Child)	31
🥈 BonClassic	6,143	5,273	1,516	R10,218 (Main) R8,772 (+1 Adult) R2,520 (+1 Child)	47
🥉 BonComprehensive	8,990	8,478	1,830	R19,914 (Main) R18,774 (+1 Adult) R4,050 (+1 Child)	60
🏅 Hospital Standard	2,722	2,293	1,035	None	27
🥇 BonEssential	2,135	1,578	671	None	27
🥈 BonEssential Select	1,873	1,372	599	None	27
🥉 BonCap	1,368 – 3,203	1,368 – 3,203	600 – 1,131	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 1,338 ZAR, and this plan is designed for single individuals in larger metro areas with a high success drive.
• ✅ BonStart Plus – is ideal for young and economically active couples residing in larger cities in South Africa, aiming to create a family. Cover on this plan starts from an affordable 1,703 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 4,543 ZAR and is ideal for typical day-to-day benefits and comprehensive hospital cover.
• ✅ Standard Select – Cover starts from 4,105 ZAR, and the plan uses a qualified provider network that can offer members rich day-to-day benefits and hospital cover.
• ✅ Primary – From 2,792 ZAR per month, this plan offers traditional day-to-day hospital cover and benefits.
• ✅ Primary Select – From 2,443 ZAR, members can access a quality provider network that provides specific day-to-day benefits and hospital cover. Furthermore, this plan is 15% cheaper when members use a quality network.

 

 

Bonitas Savings Plan

 

These plans provide a fixed amount for out-of-hospital charges such as GP visits, optometry, and dental, in addition to in-hospital coverage and extra maternity, wellness, and preventive care benefits.  The plans in this category are as follows:

 

• ✅ BonFit Select – From 2,236 ZAR, this basic savings plan is enough to cover typical day-to-day medical needs while providing essential hospital cover to members.
• ✅ BonSave – From 3,228 ZAR, this plan has enough medical savings that can be used to cover typical medical expenses while offering comprehensive coverage in-hospital.
• ✅ BonComplete – The plan starts from 4,890 ZAR and provides members with generous savings, an above-threshold benefit, and the best in-hospital cover.
• ✅ BonClassic – This is the typical and affordable savings plan that offers a great savings option, several medical benefits, and in- and out-hospital cover for 6,143 ZAR.
• ✅ BonComprehensive – This is the most comprehensive plan offered by Bonitas that, from 8,990 ZAR, offers the highest amount of savings, an above-threshold benefit, and extensive hospital cover.

 

 

  Bonitas Hospital Plans

 

These insurance cover hospitalization for both unexpected and scheduled operations. You also have access to extra wellness and preventive care benefits.  The Hospital category offers these plans:

 

• ✅ Hospital Standard – from 2,722 ZAR per month, members can get extensive hospital and some value-added benefits.
• ✅ BonEssential – This plan provides comprehensive hospital and value-added benefits from 2,135 ZAR per month.
• ✅ BonEssential Select – From 1,873 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 physicians, providers, and hospitals.

Under this category, Bonitas offers BonCap, a plan from 1,368 ZAR that offers day-to-day benefits with hospital cover.

The premiums will depend on the salary cap within which the member falls, and they can get cover from several doctors, providers, and hospitals in 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 assistance company that provides various healthcare programs to its subscribers.

Bonitas is widely considered an excellent company that receives a 4.9 on the total customer satisfaction rating.  Furthermore, Bonitas has over 750,000 members with medical health insurance.

 

Benefits of Bonitas as a medical aid in South Africa include the following:

 

• ✅ Bonitas provides a variety of healthcare plans to accommodate a variety of budgets and demands.
• ✅ Access to a network of healthcare providers: As part of their healthcare plan, Bonitas members get access to a network of healthcare providers, including hospitals, physicians, and specialists.
• ✅ As part of its healthcare plans, Bonitas provides coverage for chronic diseases such as diabetes and hypertension.
• ✅ 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 healthcare plan.

Therefore, before enrolling in a medical assistance plan, it is usually a good idea to examine its specifics to verify that it suits your healthcare demands and budget.

 

 

Overview of Bonitas Medical Fund Gap Cover

 

Bonitas’ MedGap is a particularly developed short-term insurance plan that offers coverage for medical spending shortages (“gaps”) should you or a family member need to undergo surgery in a hospital or outpatient medical treatment in a facility.

 

You might like: What is Gap Cover for Beginners?

 

The Bonitas Gap Cover is divided into the following sections:

 

• ✅ Medgap Primary
• ✅ Medgap Supreme
• ✅ Medgap Student Gap
• ✅ Medgap Millennial

 

 

Bonitas Medgap Primary

 

This is the basic gap cover offered by Bonitas that covers the following:

 

• ✅ Shortfall Benefit
• ✅ Co-Payment Benefit

 

 

Medgap Primary costs 262 ZAR for a primary member, 172 ZAR for a Primary Millennial, and 575 ZAR for a Primary Pensioner.

 

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 334 ZAR for cover, while the Millennial Cover is 226 ZAR, and Pensioner is 656 ZAR.

 

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 125 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 172 to 226 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.

 

You might also like: Gap Cover under R300

You might also like: Gap Cover under R1500

 

 

 

Bonitas Medical Fund Medical Savings Account

 

Bonitas offers Medical Savings on its Saving Series, providing members funds they can use out-of-hospital for GP visits, optometry, dentistry, and several other visits. 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	R4,019	R3,036	R1,282	–	–	–
BonSave	R9,099	R7,044	R2,724	–	–	–
BonComplete	R8,640	R6,918	R2,349	R2,020 (Main) R1,710 (Adult) R440 (Child)	R10,660 (Main) R8,628 (Adult) R2,789 (Child)	R5,360 (Main) R3,150 (Adult) R1,370 (Child)
BonClassic	R10,218	R8,772	R2,520	–	–	–
BonComprehensive	R19,914	R18,774	R4,050	R4,650 (Main) R3,860 (Adult) R1,760 (Child)	R4,650 (Main) R22,634(Adult) R5,810 (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 Fund

Medical Aid Quote Bonitas Medical Fund process explained

 

To apply for Medical Aid through Bonitas Medical Fund, 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 “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 Bonita’s plans 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.

 

Get a Bonitas Medical Aid quote from our Dedicated Medical Aid Specialists Broker

 

New Members 36 years or older may be subject to late-joiner penalties on Bonitas Medical Aid Plans

 

 

 

How to Submit a Claim with Bonitas Medical Fund

 

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]

 

 

 

How to Submit a Compliment or Complaint with Bonitas Medical Fund

 

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:

 

• ☑️ Email
• ☑️ Telephone

 

 

 

How to Switch My Medical Aid to Bonitas Medical Fund

 

To change from existing medical assistance to Bonitas Medical Fund, 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 Fund Customer Support

 

You can contact Bonitas Medical Fund 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.

 

 

Bonitas vs Discovery Health vs BestMed – A Comparison

 

🔎 Medical Aid	🥇 Bonitas Medical Fund	🥈 Discovery Health	🥉 BestMed
📌 Years in Operation	40 Years	30 Years	58 Years
👥 Average # Members	750,000+	3.3 million	209,000+
📈 GCR Rating	AA	AAA	AA
📉 Number of Employees	150+	13,500	436+
📊 Market Share	+-25%	56.7%	+-10%
🔍 Market Coverage	South Africa	40 Markets	South Africa
💯 Customer Rating	4.9/5	4.4/5	3.5/5
✔️ Number of reviews	5,000+	20,000+	800+
📱 Mobile App	✅ Yes	✅ Yes	✅ Yes
💵 Contribution Range (ZAR)	1,338 – 8,990 ZAR	930 – 8,298 ZAR	1,307 – 9,129 ZAR
💶 International Travel Benefit (ZAR)	Up to 10 million ZAR	Up to 5 million ZAR	Up to 3 million ZAR
💷 Market Capitalization	–	86.2 billion ZAR	–

 

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 assistance meets the requirements of everyone. These goods are designed to provide reasonably priced medical solutions.

In addition, the firm has provided over 750 000 beneficiaries with a range of services and cover in and out of the hospital.  Furthermore, Bonitas has met a range of medical needs by providing a variety of programs.

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 Fund Pros and Cons

 

✅ Pros	❎ Cons
Bonitas provides a choice of medical assistance options to accommodate various budgets and demands	Some Bonitas plans may have higher rates than other medical assistance providers.
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	Bonitas’ plans do 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 easier for members to obtain the treatment they need	Some members have had poor experiences with the Bonitas claims procedure, like as processing delays or coverage disputes

 

 

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 is a product provided by Bonitas Medical Fund that enables members to boost their yearly medical assistance limits.

By buying a Benefit Booster, members can enhance their yearly restrictions on specific benefits, such as in-hospital and chronic pharmaceutical benefits. This can ensure that members have access to the necessary medical treatment without worrying about exceeding yearly limitations.

 

Are there Bonitas Gym Benefits when I join?

As a member of the Bonitas medical assistance programs, you can enroll in the Sanlam Reality rewards program. You will enjoy a gym benefit at Virgin Active that is organized such that the more you exercise, the higher your cash rewards will be.

 

What is the Bonitas Wellness Extender Benefit?

The Bonitas Wellness Extender Benefit is a Bonitas Medical Fund product that enables members to raise their yearly medical assistance limits for preventative and wellness activities.

By buying a Wellness Extender Benefit, members can enhance their yearly limitations on services such as check-ups, screenings, and immunizations.

 

How long is Bonita’s Authorisation for Specialists?

Variables like as the case’s complexity, the availability of experts, and Bonitas’ rules and processes might affect the time it takes to get permission for specialist treatment. Depending on these factors, getting authorization can take a day or a few weeks.

 

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, consisting of more than 100 providers.

 

How to Downgrade my Plan with Bonitas Medical Fund?

To downgrade your plan with Bonitas Medical Fund, 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 2023.

 

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.