BonClassic
About this plan
π₯ Best suited for families needing comprehensive healthcare with extensive day-to-day benefits.
Principal Member
From
R8,238
per month
Adult Dependant
From
R7,071
per month
Child Dependant
From
R2,034
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
BonClassic

Bonitas BonClassic Medical Aid Plan (πΏπ¦ 2026)
Overall, the Bonitas BonClassic Medical Aid Plan is a trustworthy and comprehensive medical aid plan that offers 24/7 medical emergency assistance to its members. The Bonitas BonClassic Medical Aid Plan starts from R8,238.| π Plan | π₯ BonClassic |
| π Prescribed Minimum Benefits (PMB) | β Yes |
| π Screening and Prevention | β Yes |
| π³ Medical Savings Account | Up to R14,832 (Main) |
| βοΈ Oncology Cover | R336,100 |
| π₯ Hospital Cover | Unlimited |
| π International Cover | R1.2 million |
| π Disease Prevention Program | β Yes |
| πΌ Maternity Benefits | β Yes |
| βοΈ Diabetes Care Program | β Yes |

Bonitas BonClassic Review - 10 Key Point Quick Overview
- βοΈ Bonitas BonClassic Overview
- βοΈ Bonitas BonClassic Plan Contributions
- βοΈ Bonitas BonClassic Benefits and Cover Comprehensive Breakdown
- βοΈ Bonitas BonClassic Plan Additional Benefits
- βοΈ Bonitas BonClassic In-Hospital Benefits
- βοΈ Bonitas BonClassic Chronic Benefits
- βοΈ Bonitas BonClassic Plan Exclusions and Waiting Periods
- βοΈ Bonitas BonClassic Plan vs. Other Bonitas Medical Fund Plan Options
- βοΈ Our Verdict on the Bonitas BonClassic Plan
- βοΈ Bonitas BonClassic Plan Frequently Asked Questions
Bonitas BonClassic Overview
Overall, Bonitas Medical Fund is a popular medical aid scheme in South Africa, registered with the Council of Medical Schemes (CMS) under FSP No. 1512.Β The Bonitas BonClassic Plan starts from R8,238.
It includes maternity, in- and out-of-hospital cover, international travel, PMBs, and more.Β Gap Cover is available on the Bonitas BonClassic Plan, along with 24/7 medical emergency assistance.
According to the Trust Index, Bonitas Medical Fund has a trust rating of 4.2.
ππΏ Download the Bonclassic plan for 2026
Bonitas BonClassic Plan Contributions
| π Member | π€ Main Member | π₯ +1 Adult Dependent | πΆ +1 Child Dependent |
| π΅ Contribution | R8,238 | R7,071 | R2,034 |

Bonitas BonClassic Benefits and Cover Comprehensive Breakdown
Out-of-Hospital Benefits
These benefits cover visits to your primary care physician or specialist, acute medicine, X-rays, blood tests, and other outpatient medical expenses. Please note that when you complete a wellness screening or online wellness questionnaire, the Benefit Booster is unlocked and can be used to pay for out-of-hospital expenses first. BonClassic Savings, SPG, Threshold, and ATB| π Members | π€ Main member | π₯ Adult Dependent | πΆ Child Dependent |
| π Savings Account | R14,832 | R12,732 | R3,660 |
| π General Practitioner Consultations (Including Virtual/Online) | Paid from available Medical Savings. |
| π Specialist Consultations | Paid from available Medical Savings. A GP referral is necessary. |
| π Acute Medicine | Paid from available Medical Savings. |
| π Over-the-Counter Medicine | Paid from available Medical Savings. |
| β Homeopathic Medicine | Paid from available Medical Savings. |
| βοΈ Allied Medical Professionals | Paid from available Medical Savings. |
| π Physiotherapy, Podiatry, and Biokinetics | Paid from available Medical Savings. |
| βοΈ General Medical Appliances such as crutches and wheelchairs | Paid from available Medical Savings. Frequency limits per the Managed Care Protocols apply. Must use a preferred supplier. |
| π Pathology and Radiology | Paid from available Medical Savings. |
| βοΈ MRIs and CT scans | There is a limit of R37,800 per family for in and out-of-hospital scans. There is an R2,800 co-payment per scan unless it is a PMB. Pre-authorization is necessary. |
| π Insulin Pumps or Continuous Glucose Monitors | There is a limit of R65,000 per family every 5 years. Consumables are limited to R93,000 per family. There is only one device allowed per family yearly. |
| π© Hearing Aids | There is a limit of R10,090 per device for every 3 years, according to the date of the previous claim. All tests and consultations limited to the Hearing Loss Management Programme and use of a network provider Avoid a 10% co-payment by using a DSP. |
| ποΈβπ¨οΈ Optometry | Once every two years (based on the date of your previous claim). Every beneficiary can choose between glasses and contact lenses but cannot have both. |
| ποΈ Eye Tests | One consultation per beneficiary at a network provider or an eye examination at a non-network provider for R420 per beneficiary. |
| π Single-vision Lenses (clear) | 100% of the cost of lenses at network rates of R220 per lens, per beneficiary, if purchased outside of the network. |
| π€ Bifocal Lenses (clear) | 100% of the cost of lenses at network rates of R480 per lens, per beneficiary, if purchased outside the network. |
| π Multifocal lenses | Base lens costs are fully covered at in-network providers or up to R900 per beneficiary at non-network locations. |
| π Frames only | R1,410 per beneficiary when using a network provider. Alternatively, R1,058 per beneficiary at a non-network provider. |
| βοΈ Contact lenses | R2,210 per beneficiary. Included in the family optometry limit. |
| π Basic Dentistry | There is a limit of R6,400 per family. Covered according to the Bonitas Dental Tariff. |
| βοΈ Consultations | Each beneficiary receives two annual check-ups (once every 6 months). |
| π¦· Intra-Oral X-Rays | Managed Care Protocols apply to this benefit. |
| πͺ₯ Extra-Oral X-Rays | Each beneficiary can receive one every three years. |
| β‘οΈ Preventative Care | Beneficiary services include two scaling and polishing treatments once yearly (every 6 months). Only children under the age of 16 are eligible for fissure sealants. Fluoride treatments are only covered for children under the age of 16 years. |
| β Fillings | Fillings are covered once per tooth every two years per tooth. The benefit of tooth re-treatment is subject to Managed Care protocols. Multiple fillings may necessitate a treatment plan and X-rays. |
| βοΈ Root Canal Therapy and Extractions | Managed Care Protocols apply to this benefit. |
| π© Plastic Dentures and Associated Lab Costs | One set of plastic dentures (upper and lower) every 4 years per beneficiary. Pre-authorization is required for treatment. |
| π¦· Specialized Dentistry | There is a limit of up to R7,710 per family yearly, which the Bonitas Dental Tariff covers. |
| πͺ₯ Partial Chrome Cobalt frame dentures and lab costs | Two partial frames (upper or lower) once every 5 years. Managed Care protocols apply. Pre-approval is required. |
| π Crowns, bridges, and lab costs | One crown per year per family. Crowns will be covered once every 5 years per tooth. A treatment plan, as well as X-rays, may be required. Pre-approval is required. |
| π΅ Orthodontics and lab fees | Orthodontic treatment is only available once per beneficiary per lifetime. An orthodontic needs analysis will be used to evaluate pre-authorization cases clinically. The outcome of the needs analysis determines benefit allocation, and funding can be granted up to 100% of the Bonitas Dental Tariff. Where function is impaired, orthodontic treatment will be covered (not granted for cosmetic reasons). Only one family member may begin orthodontic treatment per year. Beneficiaries must be between 9 and 18 to be eligible for fixed comprehensive treatment. |
| π Periodontics | Pre-authorization is required, and Managed Care Protocols apply. The benefit is limited to conservative, non-surgical therapy and will only be available to Periodontal Programme members. |
| βοΈ Surgery in the dental chair | Managed Care protocols apply. |
| π₯ Hospitalization and general anesthetic | A co-payment of R3 500 is required for children under the age of 5, and R5 000 is required for any other admission, including the removal of impacted teeth or any other medical condition, OR A R2 500 upfront co-payment if the dental treatment is done in a day hospital. Only children under five are eligible for general anesthesia for extensive dental treatment. Using a hospital in the applicable network can avoid a 30% co-payment. The general anesthetic benefit is available for the removal of impacted teeth Managed Care protocols apply. The benefit requires pre-authorization. |
| π΄ Inhalation sedation in the dentistβs rooms | Managed Care Protocols will apply. |
| π€ Moderate/deep sedation in the dentistβs rooms | This benefit is limited to conservative dental treatment and Managed Control Protocols apply. Members need pre-authorization for this procedure. |

Bonitas BonClassic Plan Additional Benefits
Available upon completion of a wellness questionnaire or screening. There is an R2,070 limit per family that can be used for a range of out-of-hospital claims, including the following:- β GP and specialist consultations.
- β Acute and over-the-counter medicine.
- β Biokineticists and physiotherapists consultations and treatment.
- β Paramedical services include dietician, speech and occupational therapy consultations, and treatment.
- β Alternative healthcare such as homeopathic consultations, treatment, and acupuncture.
- β X-rays
- β Blood tests
Maternity Care
This benefit offers the following:- β Twelve antenatal appointments with a gynecologist, general practitioner, or midwife.
- β R1 580 is reserved for antenatal classes.
- β Two 2-dimensional ultrasound scans.
- β Amniocentesis was performed once.
- β Four post-delivery midwife consultations (one of which can be used for a lactation specialist consultation).
- β R200 per month for antenatal vitamins during pregnancy (Paid from available savings or Benefit Booster, subject to formulary)
Bonitas BonClassic Plan Maternity Programme
With this benefit, members can get the following benefits:- β Access to a maternity advice line available around the clock.
- β Dedicated maternity nurse/midwife to support and advise you during your pregnancy.
- β Access to articles on prevalent pregnancy issues.
- β You receive weekly pregnancy education emails and text messages.
- β Online prenatal classes prepare you for childbirth and what to expect at home.
- β A Baby bag containing baby care necessities.
- β Early identification of high-risk pregnancies
- β Weekly engagement for high-risk pregnancies
- β Post-childbirth follow-up calls
- β Online assessments for pregnancy and mental health
Bonitas BonClassic Plan Wellness Benefit
There is one wellness examination per recipient at a participating pharmacy, biokinetics, or Bonita's wellness day. The health examination includes the following tests:- β Blood pressure
- β Glucose
- β Cholesterol
- β Body Mass Index
- β Waist-to-hip ratio
Bonitas BonClassic Plan Preventative Care
This benefit includes the following:- β One HIV test and counseling for each recipient.
- β One flu vaccine per beneficiary.
- β One complete lipogram every 5 years for individuals aged 20 and older.
- β One mammogram every two years for women over 40.
- β Women aged 21 to 65 should undergo a pap smear every three years.
- β Men between 45 and 69 qualify for one prostate screening antigen test yearly.
- β Members 65 and older receive 1 pneumococcal vaccine every 5 years.
- β One stool test for colon cancer for individuals aged 50 to 75.
- β Dental fissure sealants prevent tooth decay in permanent teeth in children younger than 16 years.
- β Covid-19 vaccinations and boosters as directed by the National Health Service.
- β One whooping cough booster vaccine every ten years for members aged seven to 64.
- β Two human papillomaviruses (HPV) vaccines for girls aged 9 to 14.
- β And more...
Bonitas BonClassic Plan Contraceptives
- β R2,050 per household for the Bonitas BonClassic Plan (for women aged up to 50).
- β It would help if you used the Designated Service Provider for contraceptives dispensed by a pharmacy.
- β A 40% co-payment applies if you choose not to use a Designated Service Provider.
Bonitas BonClassic Plan Africa Benefit
This benefit is subject to authorization but provides in-hospital and out-of-hospital treatment at 100% of Bonita's Rate.Bonitas BonClassic Plan Childcare
This benefit offers the following benefits:- β Hearing screening for infants up to 8 weeks of age, in or outside the hospital.
- β Screening for congenital hypothyroidism in infants younger than one month.
- β Babyline: 24-hour medical advice line for children younger than 3 years.
- β Immunization according to South Africaβs Expanded Programme on Immunization until the age of 12.
- β Milestone reminders for children under 3 years
- β Online screenings for infant and toddler health
- β 2 vision screening tests for premature newborns up to 6 weeks, in or out-of-hospital
Poll: 5 Best Hospital Plans for Kids
Bonitas BonClassic Plan International Travel Benefit
Before departure, you must register for this benefit. The Bonitas BonClassic Plan International Travel Benefit covers up to R1.2 million in medical emergency cover per family when traveling outside South Africa. Subject to authorisation.Bonitas BonClassic Mental Wellness
- β Available to members with depression, anxiety, post-traumatic stress disorder, or alcoholism. Limited to R14 400 per beneficiary.
- β Access to a Care Manager who will collaborate with you, your treating physician, and, as needed, other healthcare professionals to improve your condition.
- β Your Care Manager will assist you in scheduling appointments with your doctor, obtaining authorization for healthcare services, comprehending the significance of preventative care and the utilization of wellness benefits, and resolving any other health-related questions.
- β Provides mental health education materials that empower you to manage your condition.
- β A digital platform intended to facilitate membersβ access to mental health information, community support, and professional assistance.

Bonitas BonClassic Plan Hospital-at-Home
This benefit offers the following:- β Care for any acute condition deemed necessary by your treating physician, such as pneumonia or Covid-19.
- β Alternative to general ward admission and step-down facilities, enabling patients to receive quality, safe healthcare in the comfort of their own homes.
- β 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.
- β In addition to remote patient monitoring, daily visits, laboratory services, blood tests, wound dressings, medication/fluids via a drip, allied healthcare services, and physiotherapy, Bonita's hospital setup at home also includes remote patient monitoring (as prescribed)
- β A team of trained medical professionals, including skilled nurses, will bring all the essential elements of hospital care to your home.
- β Re-admissions can be reduced with the help of a transitional care program.
- β Hospital-at-Home requires prior authorization.
Bonitas BonClassic Plan Cancer Cover
The Bonitas BonClassic Planβs Cancer Cover benefit works in the following ways:- β Provides you with emotional and medical support.
- β Consults your physician to confirm that your treatment plan is clinically appropriate for your needs.
- β Social worker access for you and your loved ones.
- β Utilizes the Bonitas Oncology Medicine Network. Non-network providers are subject to a 20% co-payment.
- β Matches your treatment plan to your insurance benefits to ensure you have the necessary coverage.
- β Specialists from the Bonitas Oncology Network are utilized.
Bonitas BonClassic Plan HIV / AIDS Benefit
This benefit works in the following ways:- β Offers appropriate treatment and the means to live your best life.
- β Provides HIV-related consultations to monitor your doctorβs clinical status.
- β Provides access to telephone support from physicians.
- β Includes drugs to prevent mother-to-child transmission and infection following a sexual assault or a needle-stick injury.
- β Covers routine blood tests to monitor disease progression, therapy response, and possible treatment side effects.
- β Provides ongoing patient support through a team of skilled and seasoned counselors.
- β Prevention and treatment of opportunistic infections such as pneumonia, tuberculosis, and influenza.
- β Finds a registered therapist for face-to-face emotional support.
Diabetes Management
This benefit works in the following ways:- β Enables you to make the best decisions to maintain your health.
- β Offers cover tests necessary for managing diabetes and other chronic conditions.
- β Provides access to diabetes specialists, dietitians, and podiatrists.
- β Provides access to a Health Coach who will respond to any questions.
- β Offers a tailored care plan to meet your specific requirements.
- β Provides education to improve your understanding of your condition.
Back and Neck Programme
This benefit works in the following ways:- β Evaluation of back and neck pain to determine the level of care necessary before surgery for the best possible outcome.
- β Provides a customized treatment plan for up to six weeks.
- β Contains care from physicians, physiotherapists, and biokinetics.
- β Provides access to a home care plan for long-term results maintenance and aids in managing severe back and neck pain.
- β Highly efficient and low risk, with a high rate of success.
- β Excluding X-rays, Bonitas will cover the cost of the program.
- β Members can use the DBC network.
- β Programme will cover shoulder and knee pain also.
Hip and Knee Replacement
This benefit works in the following ways:- β Using the most recent international standardized clinical care pathways
- β Doctors evaluate and treat your condition before surgery to ensure the best possible outcome.
- β Employs a multidisciplinary team dedicated to assisting with successful recovery Treatment is fully covered by the ICPS and Joint Care networks.

Bonitas BonClassic In-Hospital Benefits
This benefit covers major medical events resulting in the beneficiaryβs hospitalization. In addition, members have access to private hospital cover, and authorization in advance is mandatory.Β A co-payment of 30% might be required for admissions or procedures, and Managed Care Protocols may apply depending on the procedure or treatment.ππΏ You might consider: 5 Best Medical Aids under R2000
| Specialist Consultations in-hospital | Unlimited, with full cover according to the Bonitas Rate. |
| GP Consultations in-hospital | Unlimited, with 100% cover according to the Bonitas Rate. |
| Blood Tests and other lab tests | Unlimited, with 100% cover according to the Bonitas Rate. |
| X-Rays and Ultrasounds | Unlimited, with 100% cover according to the Bonitas Rate. |
| MRI and CT scans | There is an R37,800 limit per family in and out-of-hospital. Pre-authorization is required for MRIs and CT scans. There is an R2,800 co-payment per scan unless it is for a PMB. |
| Allied Medical Professionals | Unlimited, with 100% cover according to the Bonitas Rate. Covered according to the Bonitas Rate. |
| Physiotherapy, Podiatry, and biokinetics | Unlimited, with 100% cover according to the Bonitas Rate. A treatment practitioner referral is required. |
| Internal and External Prostheses | There is a limit of up to R67,640 per family unless it is a PMB. There is a sub-limit of R7,130 for breast prostheses, which is limited to two per year. |
| Cochlear Implants | Cover of up to R376,600 is available per family. |
| Cataract Surgery | Members can avoid a R7,420 co-payment by only using a DSP. |
| Spinal Surgery | Conditional upon an evaluation or conservative treatment by the Designated Service Provider. |
| Hip and Knee Replacements | Use the Designated Service Provider to avoid an R38,560 co-payment. |
| Mental Health Hospitalization | There is coverage up to R52,670 per family. Physiotherapy for mental health admissions is not covered. Members must use a hospital on their network to avoid the 30% co-payment. |
| Take-Home Medicine after discharge | Members receive up to 7 daysβ supply, up to R605 per hospital stay |
| Physical Rehabilitation | There is a limit of up to R67,270 per family. |
| Hospitalization Alternatives | There is a limit of R21,570 per household. Managed Care rules apply. |
| Palliative Care (Only for Cancer) | Unlimited but subject to the DSP. Includes hospice and private nursing, oxygen at home, pain management, and support from a psychologist and a social worker. |
| Cancer Treatment | Unlimited for PMBs. Bonitas covers up to R336,100 per family for non-PMBs, which is paid up to 80%, according to the DSP. There is no cover for non-DSPs once the limit is reached. There is a 30% co-payment when members use a non-DSP. |
| Cancer Medicine | Subject to the Medicine Price List and the Preferred Product List Use a Designated Service Provider to avoid a 20% co-payment. |
| Organ Transplants | Unlimited Cover. There is a sub-limit of R42,710 for corneal grafts. |
| Kidney Dialysis | Unlimited cover. 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 an R5,440 co-payment. |

Bonitas BonClassic Chronic Benefits
BonClassic provides coverage for the 46 chronic conditions listed below, up to a maximum of R15,370 per beneficiary and R31,770 per family, as specified by the applicable formulary. You will be responsible for a 30% co-payment if you choose to use an off-formulary medication.Β You are required to obtain your medications from the Bonitas Pharmacy Network. If you choose to use a pharmacy outside of the network, you will be responsible for a 30% co-payment.Β You will continue to be covered for the 27 Prescribed Minimum Benefits listed below through Pharmacy Direct, the Designated Service Provider once the above amount has been exhausted. However, you will be responsible for a 30% co-payment if you do not use Pharmacy Direct. The Bonitas BonClassic Plan Covers the following PMBs:- β Addisonβs Disease
- β Asthma
- β Bipolar Mood Disorder
- β Bronchiectasis
- β Cardiac Failure
- β Cardiomyopathy
- β Chronic Obstructive Pulmonary Disease
- β Chronic Renal Disease
- β Coronary Artery Disease
- β Crohnβs Disease
- β Diabetes Insipidus
- β Diabetes Type 1
- β Diabetes Type 2
- β Alzheimerβs Disease (early onset)
- β Ankylosing Spondylitis
- β Attention Deficit Disorder in Children from 5 to 18 years old.
- β Barrettβs Esophagus
- β Benign Prostatic Hypertrophy
- β Depression
- β Eczema
- β Gastro-Esophageal Reflux Disease (GORD)
- β Generalized Anxiety Disorder
- β Gout

Bonitas BonClassic Plan Exclusions and Waiting Periods
The following is currently not covered by the Bonitas BonClassic Plan:- β Aromatherapy
- β Ayurvedics
- β Herbalists
- β Iridology
- β Reflexology
- β Therapeutic Massage Therapy (Masseurs)
- β Ambulance Services that are not authorized or already included in the contract with the provider
- β Appliances, devices, and procedures not scientifically proven or appropriate
- β Back rests and chair seats
- β Bandages and dressings (except medicated dressings)
- β Beds, mattresses, linen savers, pillows, and overlay
- β Long0term implantable ventricular assist devices and total artificial heartsβ β e.g., Heart Ware and Berlin's heart
- β Diagnostic kits, agents, and appliances unless otherwise stated, except for diabetic accessories
- β Electric toothbrushes
- β Humidifiers
- A 3-month general waiting period in respect of all benefits.
- A 12-month exclusion in respect of a pre-existing condition.
- A late-joiner contribution penalty might be applicable.

Bonitas BonClassic Plan vs. Other Bonitas Medical Fund Plan Options
| π Bonitas Plan | π₯ Bonitas BonClassic Plan (2026) | π₯ Medshield MediBonus (2026) | π₯ Momentum Extender (2026) |
| π Prescribed Minimum Benefits (PMB) | βοΈ Yes | βοΈ Yes | βοΈ Yes |
| π Screening and Prevention | βοΈ Yes | βοΈ Yes | βοΈ Yes |
| π³ Medical Savings Account | Up to R14,832 (Main) | β No | Up to R33,400 (Main) |
| π Oncology Cover | R336,100 | R552,925 | R500,000 |
| π₯ Hospital Cover | Unlimited | Unlimited | Unlimited |
| π Annual Limit | Unlimited Hospital Cover | Unlimited Hospital Cover | Unlimited Hospital Cover |
| π International Cover | R1.2 million | β No | R8.22 million |
| π Gap Cover | βοΈ Yes | β No | βοΈ Yes |
| π€ Main Member Contribution | R8,238 | R7,587 | R7,215 ZAR β R10,381 ZAR |

Our Verdict on the Bonitas BonClassic Plan
π BonClassic offers additional cover and higher limits than more entry-level plans offered by Bonitas. π BonClassic offers extensive maternity benefits, covers 47 chronic conditions, and has high chronic medicine limits.
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 BonCap Medical Aid Plan