BonCap
About this plan
🥇 Best suited for lower-income families seeking affordable network-based medical aid with essential benefits. Income based.
Principal Member
From
R1,730
per month
Adult Dependant
From
R1,730
per month
Child Dependant
From
R815
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
BonCap
Bonitas BonCap Medical Aid Plan (🇿🇦 2026)
Overall, the Bonitas BonCap Medical Aid Plan is a trustworthy and comprehensive medical aid plan that offers 24/7 medical emergency assistance to its members. The Bonitas BonCap Medical Aid Plan starts from R1,730 - R4,177 depending to your income bracket.| 🔎 Plan | 🥇 Bonitas BonCap |
| 💊 Prescribed Minimum Benefits | ✅ Yes |
| 💻 Screening and Prevention | ✅ Yes |
| 💳 Medical Savings Account | ❎ No |
| 🍼 Maternity Benefits | ✅ Yes |
| 🏥 Hospital Cover | Unlimited |
| 🏠 Home Care | ✅ Yes |
| 📌 Optometry Benefit | ✅ Yes |
| 📍 Chronic Conditions | ✅ Yes |
| 📊 Annual Limit | Unlimited |
Bonitas BonCap Review - A 10 Key Point Quick Overview
- ☑️ Bonitas BonCap Overview
- ☑️ Bonitas BonCap Plan Contributions
- ☑️ Bonitas BonCap Benefits and Cover Comprehensive Breakdown
- ☑️ Surgical Procedures not covered by the BonCap plan
- ☑️ BonCap Chronic Benefits
- ☑️ Bonitas BonCap Managed Care Programmes
- ☑️ Bonitas BonCap Plan Exclusions and Waiting Periods
- ☑️ Bonitas BonCap Plan vs. Other Bonitas Medical Fund Plan Options
- ☑️ Our Verdict on the Bonitas BonCap Plan
- ☑️ Bonitas BonCap Plan Frequently Asked Questions
Bonitas BonCap Overview
The Bonitas Medical Fund is a popular medical aid scheme in South Africa, registered with the Council of Medical Schemes (CMS) under FSP No. 1512. The Bonitas BonCap Plan is an income based plan and starts from R1,730 subject to income verification.
It includes maternity, in- and out-of-hospital cover, international travel, PMBs, and more. Gap Cover is available on the Bonitas BonCap Plan, along with 24/7 medical emergency assistance.
According to the Trust Index, Bonitas Medical Fund has a trust rating of 4.2.
| 🔎 Plan | 🥇 Bonitas BonCap |
| 💊 Prescribed Minimum Benefits | ✅ Yes |
| 💻 Screening and Prevention | ✅ Yes |
| 💳 Medical Savings Account | ❎ No |
| 🍼 Maternity Benefits | ✅ Yes |
| 🏥 Hospital Cover | Unlimited |
| 🏠 Home Care | ✅ Yes |
| 📌 Optometry Benefit | ✅ Yes |
| 📍 Chronic Conditions | ✅ Yes |
| 📊 Annual Limit | Unlimited |
Bonitas BonCap Plan Contributions
| 🔎 Income Level | 👤 Main Member | 👥 +1 Adult Dependent | 👶 +1 Child Dependent |
| 💴 R0 – R11,250 | R1,730 | R1,730 | R815 |
| 💵 R11,251 – R18,250 | R2,111 | R2,111 | R971 |
| 💶 R18,251 – R23,740 | R3,404 | R3,404 | R1,288 |
| 💷 >R23,741+ | R4,177 | R4,177 | R1,585 |
Bonitas BonCap Benefits and Cover Comprehensive Breakdown
BonCap Out-of-Hospital Benefits - General
| 1️⃣ Network GP Consultations | Unlimited GP consultations with a maximum of two BonCap network GPs. Approval is required beginning with the eighth GP consultation per beneficiary. |
| 2️⃣ Non-Network GP Consults | One consultation outside of the network per beneficiary. Maximum of two consultations per family, with an R400 fee per visit. Unless it is a PMB, a 30% co-payment is required. |
| 3️⃣ GP-referred acute medicine, X-Rays, and Pathology | R2,390 – Main member. R3,990 – Main member + 1 dependent Main member plus two dependents – R4,780 The main member and three dependents – R5,220 Primary member plus four or more dependents – R5,790 Subject to the terms of the applicable formulary and the Bonita's pharmacy network for emergency medicine and blood tests: Non-DSP patients must pay a 20% co-payment. |
| 4️⃣ Network Specialist Consultations | Each beneficiary is limited to three visits or R4 060. Five visits are permitted, or a maximum of up to R6,030 per family (whichever is first). Pre-authorization is required, subject to the BonCap Specialist network and referral from a BonCap network GP (including MRIs and CT scans) |
| 5️⃣ Maternity Care | The benefits cover antenatal consultations for GP consultations and specialist consultations (including 2 2D scans) 4 post-delivery midwife consultations (1 of which can be used for a lactation specialist consultation) |
| 6️⃣ Over-the-counter Medicine | Each event is limited to R120. A maximum of R340 per beneficiary per year is allowed. The BonCap medicine formulary, the Bonita's pharmacy network, and the use of a network provider are all subject to the BonCap medicine formulary. |
| 7️⃣ Allied Medical Professionals, including occupational therapists, dieticians, etc. | Only PMB conditions are covered under this benefit. |
| 8️⃣ Physiotherapy, Podiatry, and biokinetics | Only PMB conditions are covered. |
| 9️⃣ General Medical Appliances | There is a limit of up to R7,370 per family, subject to certain frequency limits according to the Managed Care Protocols. |
BonCap Out-of-Hospital Benefits - Optometry
| 🤓 Optometry | Once every two years, glasses or contact lenses are available through the contracted service provider (based on the date of your previous claim) Managed Care protocols will apply. |
| 👁️ Eye Tests | One consultation composite per beneficiary with a network provider or R420 per recipient for an eye exam with a non-network provider. |
| 👁️🗨️ Single-vision lenses (Clear) | 100% contribution to the cost of lenses at network rates of R225 per lens per beneficiary. |
| Bifocal lenses (Clear) | 100% of the cost of lenses at network rates of R485 per lens per beneficiary. |
| 👓 Multifocal lenses | 100% towards the cost of base lenses at a network provider, or a maximum of R900 per designer lens, per beneficiary, out-of-network. |
| 📌 Frames | R290 per recipient with a network provider OR R218 per recipient with a non-network provider |
| 📍 Contact Lenses | There is a limit of up to R1,335 per beneficiary. |
BonCap Out-of-Hospital Benefits - Basic Dentistry
| 🦷 Basic Dentistry | Members must use a provider registered on the Bonitas DENIS network. Covered according to the Bonitas Dental Tariff. Managed Care protocols will apply. |
| 🪥 Consultations | There is only one consult available per beneficiary yearly. |
| 📌 Emergency Consultation | There is one emergency consultation for sepsis per beneficiary on the plan. |
| 📍 Intra-Oral X-Rays | Four X-Rays per beneficiary. |
| Extra-Oral X-Rays | Only covers PMBs. |
| 🪥 Scaling and polishing | There is one scaling and polishing or one polish per beneficiary. |
| 📌 Fluoride Treatment | There is a single treatment per beneficiary from 5 to <36 years. |
| 📍 Fissure Sealants | One fissure sealant per tooth once every 3 years and only for beneficiaries <16 years. |
| 📈 Infection Control, Sterilization of instruments, and local anesthetic | One per beneficiary per visit. |
| 🪥 Inhalation sedation in the dentist’s room | Only Managed Care protocols apply to extensive conservative dental treatment when inhalation sedation is used. |
| 📌 Emergency Root Canal | This only applies to emergency treatment and is subject to the DENIS treatment protocols. |
| 📍 Extractions | Subject to DENIS protocol for treatment, and if impacted wisdom teeth are not removed |
| 📈 Plastic dentures and lab fees | Beneficiaries are eligible once every two years. Applies to those 21 years or older (depending on the date of your previous claim). Managed Care protocols are in effect. A 20% co-payment is required. Pre-authorization is required, or a 20% penalty will be imposed. |
| 🪥 Dental fillings | Four fillings for each beneficiary. Fillings are covered once every two years per tooth. The benefit of tooth re-treatment is subject to Managed Care protocols. |
| 📌 Maxillo-Facial Surgery in the dental chair | Only PMBs are covered, and pre-authorization is necessary according to the DENIS protocols. |
| 📍 Moderate or deep sedation in the dentist’s rooms | This benefit is limited to extensive conservative dental treatments, and pre-authorization must be obtained according to the DENIS protocols |
| 📈 Hospitalization and general anesthetic | This only covers PMBs, and pre-authorization is necessary from DENIS. Furthermore, members must use a hospital on the relevant network to avoid a 10% co-payment. |
BonCap Additional Benefits
Contraceptives For Women up to 50- ✅ R1 330 for each family.
- ✅ For pharmacy-dispensed contraceptives, you must use the Designated Service Provider.
- ✅ If you do not use a Designated Service Provider, you must pay a 40% co-payment.
- ✅ Available for newborns up to 8 weeks.
- ✅ It can be done in or out-of-hospital.
- ✅ It can be done for infants <1 month.
- ✅ 24/7 helpline for medical advice for children under 3 years
- ✅ There is one HIV test and counseling available per beneficiary.
- ✅ There is one flu vaccine yearly per beneficiary.
- ✅ Women over 40 have access to 1 mammogram every two years.
- ✅ 2 Human Papillomavirus (HPV) vaccines, female beneficiaries between ages 9 and 14 (one course per lifetime)
- ✅ 3 Human Papillomavirus (HPV) vaccines, female beneficiaries between ages 15 and 26 (one course per lifetime)
- ✅ 1 pap smear every 3 years, or 1 HPV PCR test every 5 years, for women between ages 21 and 65
- ✅ There is one prostate antigen test for male beneficiaries between 55 and 69.
- ✅ Members 65 and over get one pneumococcal vaccine every 5 years.
- ✅ Members between 45 and 75 receive 1 stool test for colon cancer, subject to the applicable formulary.
- ✅ Available per tooth, once every 3 years per beneficiary <16 years.
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Wellness Benefits- ✅ There is one wellness screening offered to each beneficiary at a participating pharmacy, Bonita's wellness day, or biokinetics.
- ✅ Wellness includes blood pressure, glucose, cholesterol, BMI, and waist-to-hip ratio.
BonCap In-Hospital Benefits
100% of the BonCap Rate is covered for hospitalizations at all hospitals within the applicable network. You must get pre-authorization for your hospital admission. If you use a non-network hospital (other than in an emergency) or do not receive pre-authorization within 48 hours of admission, you will be responsible for a 30% co-payment. Furthermore, Managed Care Protocols could apply. 👉🏿 Discover the 5 Best Hospital Plans with Savings Accounts| 🔎 GP Consultations in-hospital | Unlimited, with 100% covered according to the BonCap Rate for BonCap network GPs. Where non-network GPs are used, the cover will be up to 70% of the BonCap rate. |
| 📌 Specialist Consultations in-hospital | Unlimited, with 100% covered in terms of the BonCap Rate for BonCap network GPs. Where non-network GPs are used, the cover will be up to 70% of the BonCap rate. |
| 📍 Blood Tests and other lab tests | Subject to a limit of R32,480 per family unless it is a PMB. |
| ☑️ Blood Transfusions | Up to R23,600 per family unless it is a PMB. |
| ✅ X-Rays and Ultrasounds | Unlimited, with 100% cover according to the BonCap rate. |
| 🔎 MRI and CT scans | There is an R14,250 limit per family, and pre-authorization is required. R1 230 co-payment per scan event, except for PMB |
| 📌 Cataract Surgery | There is an R9,800 co-payment when using a non-DSP. |
| 📍 Allied Medical Professionals | Only PMBs will be covered. There is a 30% co-payment when using a non-DSP. Subject to referral by your treating physician. |
| ☑️ Physiotherapy, Podiatry, and biokinetics | Only PMBs will be covered. There is a 30% co-payment when using a non-DSP. Subject to referral by your treating physician. |
| ✅ Internal and External Prostheses | Only PMBs will be covered if you use a DSP. Managed Care protocols will apply. Pre-authorization is mandatory for any procedures. |
| 🔎 Mental Health Hospitalization | Only PMBs are covered, and there is no cover for physiotherapy. You must use a DSP, or a 30% co-payment will apply. |
| 📌 Neonatal Care | There is a limit of R57,940 per family unless it is a PMB. |
| 📍 Take-Home Medicine after discharge | Members receive up to 7 days’ supply, up to R470 per hospital stay |
| ☑️ Physical Rehabilitation | There is a limit of up to R63,340 per family, and pre-authorization is required. |
| ✅ Hospitalization Alternatives | There is a limit of R17,550 per family. Pre-authorization is required. |
| 🔎 Palliative Care (Only for Cancer) | Unlimited but subject to the DSP. Pre-authorization is mandatory. Includes hospice and private nursing, oxygen at home, pain management, and support from a psychologist and a social worker. |
| 📌 Cancer Treatment | Only PMBs are covered; members must use a DSP or pay a 30% co-payment. Pre-authorization is needed. |
| 📍 Cancer Medicine | Subject to the Preferred Product List Use a Designated Service Provider to avoid a 20% co-payment. |
| ☑️ Organ Transplants | Only PMBs are covered, and you must use a DSP. Pre-authorization is mandatory. |
| ✅ Kidney Dialysis | Unlimited cover. You need pre-authorization for all procedures. Members can avoid a 20% co-payment by using a DSP. |
| 🔎 HIV/AIDS | If you register for HIV/AIDS, the cover is unlimited. Medicine must be obtained from a DSP. |
| 📌 Defined List of Day Surgery Procedures | Use a network day hospital to avoid a 30% co-payment. |
Surgical Procedures not covered by the BonCap Plan
- ⛔ Back and neck surgery
- ⛔ Joint replacement surgery
- ⛔ Cesarean sections done for non-medical reasons
- ⛔ Functional nasal and sinus surgery
- ⛔ Varicose vein surgery
- ⛔ Hernia repair surgery
- ⛔ Laparoscopic or keyhole surgery Gastroscopies
- ⛔ Colonoscopies and all other endoscopies
- ⛔ Bunion surgery In-hospital dental surgery
BonCap Chronic Benefits
BonCap provides coverage for the 27 Prescribed Minimum Benefits outlined in the applicable formulary, plus 1 chronic condition. In total 28x chronic conditions.. You must obtain your medication from Pharmacy Direct, the Bonitas Designated Service Provider. If you choose not to use Pharmacy Direct or if you use an off-formulary medication, you will be responsible for a 40% co-payment. The Bonitas BonCap Plan Covers the following PMBs and more:- ✅ Addison’s Disease
- ✅ Asthma
- ✅ Bipolar Mood Disorder
- ✅ Bronchiectasis
- ✅ Cardiac Failure
- ✅ Cardiomyopathy
- ✅ Chronic Obstructive Pulmonary Disease
- ✅ Chronic Renal Disease
- ✅ Coronary Artery Disease
- ✅ Crohn’s Disease
- ✅ Diabetes Insipidus
- ✅ Tuberculosis
- ✅ Multiple Sclerosis
Bonitas BonCap Managed Care Programmes
| ⚕️ Cancer | Puts you first, offering emotional and medical support. Liaises with your doctor to ensure your treatment plan is clinically appropriate to meet your needs. Access to a social worker for you and your loved ones PMB only at a DSP or a 30% co-payment applies. Pre-authorisation required |
| 💊 HIV/AIDS | Provides you with appropriate treatment and tools to live your best life. Offers HIV-related consultations to visit your doctor to monitor your clinical status Unlimited, if you register on the HIV/AIDS programme. Offers access to telephonic support from doctors. Covers medicine to treat HIV (including drugs to prevent mother-to-child transmission and infection after sexual assault or needle-stick injury). Covers regular blood tests to monitor disease progression, response to therapy and to detect possible side-effects of treatment Chronic medicine must be obtained from the DSP. |
| 🍼 Maternity Support when registering for the Bonitas Maternity Programme | 24/7 access to maternity advice line. Weekly pregnancy education emails and SMS are sent to you. Dedicated maternity nurse/midwife to provide support and guidance throughout your pregnancy. Online prenatal classes prepare you for labor and what to expect at home. Access to articles on prevalent pregnancy issues. A baby bag containing essentials for baby care. Early identification of high-risk pregnancies. Weekly engagement for high-risk pregnancies. Post-childbirth follow-up calls. Online assessments for pregnancy and mental health. |
| 💙 Hospital at Home | Care for any acute condition deemed necessary by your treating physician, such as pneumonia or Covid-19. Alternative to general ward admission and step-down facilities, enabling patients to receive quality, safe healthcare in the comfort of their own homes. Remote patient monitoring, including round-the-clock monitoring of vital signs from our clinical command center, continuous virtual visits and clinical support, continuous care from a physician, short-term oxygen (as prescribed), and emergency ambulance services. In addition to remote patient monitoring, daily visits, laboratory services, blood tests, wound dressings, medication/fluids via a drip, allied healthcare services, and physiotherapy, our hospital setup at home also includes remote patient monitoring (as prescribed) A team of trained medical professionals, including skilled nurses, will bring all the essential elements of hospital care to your home. A transitional care program to minimize re-admissions. The in-person clinical visits also provide support for blood tests and medication administration as prescribed. |
| ♀️ Female Health | Accessible to all female members aged 18 and above Guidance, support, and education led by women’s healthcare experts. Early detection of diseases and seamless access to specialised carew. Proactive support in accessing essential healthcare services. Promotion of preventative healthcare strategies tailored to women’s needs. Online health assessments tailored to female health concerns. Empowerment of women to actively manage their health |
Bonitas BonCap Plan Exclusions and Waiting Periods
Exclusions
The following is currently not covered by the Bonitas BonCap Plan:- ⛔ Aromatherapy
- ⛔ Ayurvedics
- ⛔ Herbalists
- ⛔ Iridology
- ⛔ Reflexology
- ⛔ Therapeutic Massage Therapy (Masseurs)
- ⛔ Ambulance Services that are not authorized or already included in the contract with the provider
- ⛔ Appliances, devices, and procedures not scientifically proven or appropriate
- ⛔ Backrests and chair seats
Waiting Periods
Depending on pre-existing or existing conditions, the following might apply when you register for medical cover with the Bonitas BonCap Plan:- ✅ A 3-month general waiting period in respect of all benefits.
- ✅ A 12-month exclusion in respect of a pre-existing condition.
Bonitas BonCap Plan vs. Other Bonitas Medical Fund Plan Options
| Bonitas Plan Option | Bonitas BonCap Plan (2026) | Discovery Health Essential Dynamic Smart (2026) | Medshield MediCurve (2026) |
| Prescribed Minimum Benefits (PMB) | ☑️ Yes | ☑️ Yes | ☑️ Yes |
| Screening and Prevention | ☑️ Yes | ☑️ Yes | ☑️ Yes |
| Medical Savings Account | ❎ No | ❎ No | ❎ No |
| Maternity Benefits | ☑️ Yes | ☑️ Yes | ☑️ Yes |
| Pre and Postnatal Care | ☑️ Yes | ☑️ Yes | ☑️ Yes |
| Chronic Conditions | ☑️ Yes | ☑️ Yes | ☑️ Yes |
| Home Care | ☑️ Yes | ☑️ Yes | ☑️ Yes |
| Oncology Cover | Unlimited for PMBs Pre-authorisation required | R250,000 | ☑️ Yes |
| Extended Cover for Oncology | ❎ No | ☑️ Yes | ☑️ Yes |
| Hospital Cover | Unlimited | Unlimited | PMB is unlimited, and non-PMB has a 25% co-payment for non-MediCurve network hospitals |
| Optometry Benefit | ☑️ Yes (Basic) | ☑️ Yes | ☑️ Yes |
| Dentistry Benefit | ☑️ Yes (Basic) | ☑️ Yes | ☑️ Yes |
| Advanced Dentistry | ❎ No | ❎ No | ☑️ Yes |
Our Verdict on the Bonitas BonCap Plan
💙 The Bonitas BonCap medical aid plan is a basic healthcare plan offering limited day-to-day benefits but covering in-hospital treatments. 💙 The plan is designed to provide affordable healthcare coverage to individuals and families who do not require extensive day-to-day benefits. 💙 Compared to other plans from Bonitas, the BonCap plan is more affordable but provides less comprehensive coverage.
You might also like to consider the following plans Bonitas has to offer:- Bonitas Standard Medical Aid Plan
- Bonitas Boncore Medical Aid Plan
- Bonitas BonPrime Medical Aid Plan
- Bonitas Primary Medical Aid Plan
- Bonitas Hospital Standard Medical Aid Plan
- Bonitas Standard Select Medical Aid Plan
- Bonitas BonStart Plus Medical Aid Plan
- Bonitas BonStart Medical Aid Plan
- Bonitas BonSave Medical Aid Plan
- Bonitas BonFit Medical Aid Plan
- Bonitas BonEssential Select Medical Aid Plan
- Bonitas BonEssential Medical Aid Plan
- Bonitas BonComprehensive Medical Aid Plan
- Bonitas BonComplete Medical Aid Plan
- Bonitas BonClassic Medical Aid Plan
Frequently Asked Questions
What is the BonCap plan?
The BonCap plan is a basic healthcare plan that offers limited day-to-day benefits and in-hospital coverage.What benefits does the BonCap plan offer?
The BonCap plan covers in-hospital treatments, including hospital accommodation, theatre costs, and medication. It also provides limited day-to-day benefits, such as GP and specialist consultations, prescribed medication, and basic radiology and pathology.Is the BonCap plan affordable?
Yes, the BonCap plan is more affordable compared to other plans from Bonitas, making it a good option for individuals and families who are looking for basic healthcare coverage at an affordable price.Does the BonCap plan cover chronic conditions?
The BonCap plan does not provide extensive coverage for chronic conditions. However, it does cover the initial consultation with a specialist to confirm a chronic condition.Can I add a dependent to my BonCap plan?
Yes, you can add a dependent to your BonCap plan.Are there waiting periods for the BonCap plan?
Yes, there are waiting periods for certain benefits under the BonCap plan. The waiting periods will depend on the benefit you are claiming for.Can I upgrade my BonCap plan?
Yes, you can upgrade your BonCap plan to a more comprehensive plan if you require more extensive day-to-day benefits.Are students eligible for Boncap medical aid plan in South Africa?
Yes, students in South Africa are generally eligible for the Boncap medical aid plan. To be eligible for Boncap, students will need to meet the scheme's eligibility requirements, which may include being registered as a full-time student at a recognized institution and meeting any other criteria set by the schemeWho can be a dependent on Boncap Medical Aid?
In general, the following individuals may be eligible to be registered as dependents on a Boncap medical aid plan:- Spouses or life partners of the main member
- Children, including biological, adopted, or stepchildren, up to a certain age or until they are financially independent
- Extended family members, such as siblings, parents, or grandparents, in certain cases and under specific circumstances, such as when they are financially dependent on the main member or have a medical condition that requires ongoing treatment.
