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Bonitas

BonComplete

About this plan

πŸ₯‡ Best suited for families with ongoing healthcare and specialist needs.
Principal Member
From
R6,614
per month
Adult Dependant
From
R5,298
per month
Child Dependant
From
R1,794
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

BonComplete

BonComplete

Bonitas BonComplete Medical Aid Plan (πŸ‡ΏπŸ‡¦ 2026)

  Overall, the Bonitas BonComplete Medical Aid Plan is a trustworthy and comprehensive medical aid plan that offers GP or specialist consultations to its members. The Bonitas BonComplete Medical Aid Plan starts from R6,614 ZAR.  
πŸ’Š Prescribed Minimum Benefits (PMB)β˜‘οΈ Yes
βš•οΈ Medical Savings Accountβ˜‘οΈ Yes
πŸ₯ Hospital CoverUnlimited
πŸ‘€ Main Member ContributionR6,614 ZAR
πŸ” Gap Coverβ˜‘οΈ Yes
πŸ‘Ά Maternity Benefitsβ˜‘οΈ Yes
🍼 Pre- and Postnatal Careβ˜‘οΈ Yes
πŸ“Š Chronic Conditionsβ˜‘οΈ Yes
🏠 Home Careβ˜‘οΈ Yes
πŸ“Œ Extended Cover for Oncologyβ˜‘οΈ Yes
  BonComplete Medical Aid Plan 2026

Bonitas BonComplete Medical Aid Plan Review - 10 Key Point Quick Overview

  1. β˜‘οΈ Bonitas BonComplete Overview
  2. β˜‘οΈ Bonitas BonComplete Plan Contributions
  3. β˜‘οΈ Bonitas BonComplete Benefits and Cover Comprehensive Breakdown
  4. β˜‘οΈ BonCompleteChronic Benefits
  5. β˜‘οΈ Bonitas BonComplete Plan Additional Benefits
  6. β˜‘οΈ Bonitas BonComplete In-Hospital Benefits
  7. β˜‘οΈ Bonitas BonComplete Plan Exclusions and Waiting Periods
  8. β˜‘οΈ Bonitas BonComplete Plan vs. Other Bonitas Medical Fund Plan Options
  9. β˜‘οΈ Our Verdict on the Bonitas BonComplete Plan
  10. β˜‘οΈ Bonitas BonComplete Plan Frequently Asked Questions

Bonitas BonComplete Overview

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 BonComplete Plan starts from R6,641.   It includes maternity, in- and out-of-hospital cover, international travel, PMBs, and more.Β  Gap Cover is available on the Bonitas BonComplete Plan, along with 24/7 medical emergency assistance.   According to the Trust Index, Bonitas Medical Fund has a trust rating of 4.2.   πŸ‘‰πŸΏ Download the BonComplete Plan for 2026Bonitas BonComplete Overview

Bonitas BonComplete Plan Contributions

 
πŸ”Ž Member πŸ‘€ Main MemberπŸ‘₯ +1 Adult DependentπŸ’™ +1 Child Dependent
β˜‘οΈ ContributionsR6,614R5,298R1,794
  Bonitas BonComplete Plan Contributions

Bonitas BonComplete Benefits and Cover Comprehensive Breakdown

Out-of-Hospital Benefits

  These benefits cover GP or specialist consultations, acute medicine, X-rays, blood tests, and other out-of-hospital medical expenses.   Please remember that when you complete a wellness screening or online wellness questionnaire, you gain access to the Benefit Booster, which can be used first to pay for out-of-hospital expenses.  

πŸ‘‰πŸΏ READ more: Best Hospital Plans under R200

BonComplete Savings, SPG, Threshold, and ATB

 
πŸ”Ž MemberπŸ‘€ Main memberπŸ‘₯ Adult DependentπŸ’™ Child Dependent
πŸ’³ Savings AccountR11,880R9,516R3,216
πŸ” Self-Payment Gap (SPG)R2,350R1,990R510
πŸ“‰ Threshold LevelR14,230R11,506R3,726
πŸ’Ά Above Threshold Benefit (ATB)R6,250R3,660R1,600
 

BonComplete Out-of-Hospital Benefits

 
πŸ”Ž General Practitioner Consultations (Including Virtual/Online)Paid from available Medical Savings Account balance or the above threshold benefits.
πŸ“Œ Specialist ConsultationsPaid from available Medical Savings Account balance or the above threshold benefits. Your GP must refer you.
πŸ“ Blood and other lab testsPaid from available Medical Savings Account balance or the above threshold benefits.
❌ X-Rays and UltrasoundsPaid from available Medical Savings Account balance or the above threshold benefits.
πŸš‘ MRIs and CT scansThere is a limit of up to R30,430 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.
πŸ’Š Acute MedicinePaid from available Medical Savings Account balance or the above threshold benefit. Formulary and Bonitas Pharmacy Network apply to the above threshold benefit. 20% co-payment for non-network/non-formulary use in the above threshold benefit
πŸ’‰ Over-the-Counter MedicinePaid from available Medical Savings Account balance or the above threshold benefit. Formulary and Bonitas Pharmacy Network apply to the above threshold benefit. 20% co-payment for non-network/non-formulary use in the above threshold benefit
βœ… Homeopathic MedicinePaid from available Medical Savings Account balance or the above threshold benefit. 20% co-payment for non-network/non-formulary use in the above threshold benefit
β˜‘οΈ Allied Medical Professionals (including Dieticians, Occupational Therapists, etc.)Subject to the available Medical Savings or above threshold benefits.
➑️ Physiotherapy, Podiatry, and BiokineticsSubject to the available Medical Savings or above threshold benefits.
🚩 Mental Health ConsultationsIn and out-of-hospital consultations are included as part of the Mental Health hospitalization benefit. There is a limit of up to R20,310 per family.
πŸ“Œ General Medical Appliances such as crutches and wheelchairsSubject to the available Medical Savings or above threshold benefits. Frequency limits per the Managed Care Protocols apply. Must use a preferred supplier.
πŸ“ Insulin Pumps or Continuous Glucose MonitorsThere 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. 1 continuous Glucose Monitor: 28 000 per family every year.
 

BonComplete Optometry Benefits

 
πŸ”Ž OptometrySubject to the available Medical Savings or above threshold benefits. The benefit is available per beneficiary once every two years, depending on the date of the previous claim. Every beneficiary can choose between glasses and contact lenses but cannot have both.
πŸ‘οΈβ€πŸ—¨οΈ Eye TestsOne consultation per beneficiary at a network provider or an eye examination at a non-network provider for R420 per beneficiary.
πŸ‘οΈ 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.
πŸ€“ Bifocal Lenses (clear)100% of the cost of lenses at network rates of R460 per lens, per beneficiary, if purchased outside the network.
πŸ‘“ Multifocal lensesBase lens costs are fully covered at in-network providers or up to R840 per beneficiary at non-network locations.
πŸ“Œ Frames onlyThere is a limit of R1030 per beneficiary.
πŸ“ Contact lensesThere is a limit of R2,530 per beneficiary.
 

BonComplete Basic Dentistry Benefits

 
πŸ”Ž Basic DentistryCovered according to the Bonitas Dental Tarif. Subject to the Dental Management Programme of Bonitas.
🀝 ConsultationsEach beneficiary receives two annual check-ups (once every 6 months).
🦷 Intra-Oral X-RaysManaged Care Protocols apply to this benefit.
πŸͺ₯ Extra-Oral X-RaysEach beneficiary can receive one every three years.
βœ… Preventative CareBeneficiary 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˜‘οΈ FillingsFillings are covered once 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.
πŸ“Œ Root Canal Therapy and ExtractionsManaged Care Protocols apply to this benefit.
πŸ“ Plastic Dentures and Associated Lab CostsOne set of plastic dentures (upper and lower) every 4 years per beneficiary. Pre-authorization is required for treatment.
 

BonComplete Specialized Dentistry Benefits

 
🦷 Specialized DentistrySubject to the Bonitas Dental Management Programme, covered at the Bonitas Dental Tariff.
βš•οΈ Partial Chrome Cobalt frame dentures and lab costsOne partial frame (upper or lower) once every 5 years. Managed Care protocols apply. Pre-approval is required.
😷 Crowns, bridges, and lab costsOne 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.
➑️ Orthodontics and lab feesOrthodontic 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 65% of the Bonitas Dental Tariff. Where function is impaired, orthodontic treatment will be covered (not granted for cosmetic reasons). In a calendar year, only one family member may begin orthodontic treatment. Beneficiaries must be under 18 to be eligible for fixed comprehensive treatment.
🚩 PeriodonticsPre-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.
 

BonComplete Maxillo-Facial Surgery and Oral Pathology Benefits

 
πŸ“Œ Surgery in the dental chairManaged Care protocols apply.
πŸ“ Hospitalization and general anestheticA co-payment of R3 640 is required for children under the age of 5, and R5 200 is required for any other admission, including the removal of impacted teeth or any other medical condition. Children under the age of 5 are only eligible for general anesthesia for extensive dental treatment once in their lifetime. Using a hospital on the relevant network can avoid a 30% co-payment. For the removal of impacted teeth, general anesthesia is available. Pre-approval is required. Managed Care protocols are in effect.
➑️ Inhalation sedation in the dentist’s roomsManaged Care Protocols will apply.
πŸ’€ Moderate/deep sedation in the dentist’s roomsThis benefit is limited to conservative dental treatment and Managed Control Protocols apply. Members need pre-authorization for this procedure.
  Bonitas BonComplete Benefits and Cover Comprehensive Breakdown

BonComplete Chronic Benefits

BonComplete covers 32 chronic conditions by utilizing the applicable medication formulary. You must use Pharmacy Direct, the Bonitas Designated Service Provider, to obtain your medication.   If you do not use Pharmacy Direct or medication not on the formulary, you must pay a 40% co-payment.  

πŸ‘‰πŸΏ Discover: 5 Best Medical Aid Co-Payment Cover in South Africa

  Furthermore, The Bonitas BonComplete Plan Covers the following PMBs and more:  
  • βœ… Addison’s Disease
  • βœ… Asthma
  • βœ… Bipolar Mood Disorder
  • βœ… Bronchiectasis
  • βœ… Cardiac Failure
  • βœ… Cardiomyopathy
  • βœ… Chronic Obstructive Pulmonary Disease
  • βœ… Chronic Renal Disease
  • βœ… Coronary Artery Disease
  • βœ… Crohn’s Disease
  • βœ… Diabetes Insipidus
  • βœ… Diabetes Type 1
  • βœ… Diabetes Type 2
  • βœ… Dysrhythmias
  • βœ… Epilepsy
  • βœ… Glaucoma
  • βœ… Hemophilia
  • βœ… HIV/AIDS
  BonComplete covers the following additional chronic conditions :  
  • βœ… Acne (children up to 21 years)
  • βœ… Allergic Rhinitis (children up to 21 years)
  • βœ… Allergic Dermatitis/Eczema (children up to 21 years)
  • βœ… Attention Deficit Disorder (in children aged 5-18)
  • βœ… Depression (medication up to R160 per beneficiary, per month)
BonComplete Chronic Benefits

Bonitas BonComplete 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:  
  • βœ… GP and specialist consultations.
  • βœ… Acute and over-the-counter medicine.
  • βœ… Biokineticists and physiotherapists consultations and treatment.
  • βœ… Paramedical services include dietician, speech and occupational therapy consultations, and treatment.
  • βœ… Alternative healthcare such as homeopathic consultations, treatment, and acupuncture.
  • βœ… X-rays
  • βœ… Blood tests
  When an adult recipient has completed a wellness screening or online wellness questionnaire, dependent children are eligible for the Benefit Booster.  

Bonitas BonComplete Maternity Care

  This benefit offers the following:  
  • βœ… Six antenatal consultations with a gynecologist, GP, or midwife.
  • βœ… There is a limit of up to R1,580 for antenatal classes.
  • βœ… Two 2D ultrasound scans.
  • βœ… One amniocentesis.
  • βœ… 4 consultations with a midwife after delivery (1 of these can be used for a consultation with a lactation specialist)
  • βœ… Private ward after delivery - up to 3 days
  • βœ… R200 per month for antenatal vitamins during pregnancy (Paid from available savings and/or above threshold benefit, subject to formulary)
  πŸ‘‰πŸΏ You might like: Β 5 Best Medical Aids for Pregnant Women

Bonitas BonComplete Plan Maternity Programme

  With this benefit, members can get the following benefits:  
  • βœ… Access to a maternity advice line available around the clock.
  • βœ… Dedicated maternity nurse/midwife to support and advise you during your pregnancy.
  • βœ… Access to articles on prevalent pregnancy issues.
  • βœ… You receive weekly pregnancy education emails and text messages.
  • βœ… Online prenatal classes prepare you for childbirth and what to expect at home.
  • βœ… A Baby bag containing baby care necessities.
  • βœ… Early identification of high-risk pregnancies.
  • βœ…Β  Weekly engagement for high-risk pregnancies.
  • βœ… Post-childbirth follow-up calls.
  • βœ… Online assessments for pregnancy and mental health.

Bonitas BonComplete Plan Wellness Benefit

  There is one wellness examination per recipient at a participating pharmacy, biokinetics, or Bonita's wellness day from Bonitas Medical Scheme. The health examination includes the following tests:  
  • βœ… Blood pressure
  • βœ… Glucose
  • βœ… Cholesterol
  • βœ… Body Mass Index
  • βœ… Waist-to-hip ratio

Bonitas BonComplete Plan Preventative Care

  This benefit includes the following:  
  • βœ… One HIV test and counseling for each recipient.
  • βœ… One flu vaccine per beneficiary.
  • βœ… One complete lipogram every 5 years for individuals aged 20 and older.
  • βœ… One mammogram every two years for women over 40.
  • βœ… Women aged 21 to 65 should undergo a pap smear every three years.
  • βœ… Men between 45 and 69 qualify for one prostate screening antigen test yearly.
  • βœ… Members 65 and older receive 1 pneumococcal vaccine every 5 years.
  • βœ… One stool test for colon cancer for individuals aged 50 to 75.

Bonitas BonComplete Plan Contraceptives

  • βœ… R2,070 per household for the Bonitas BonComplete Plan (for women aged up to 50).
  • βœ… It would help if you used the Designated Service Provider for contraceptives dispensed by a pharmacy.
  • βœ… A 40% co-payment applies if you choose not to use a Designated Service Provider.

Bonitas BonComplete 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 BonComplete Plan Childcare

  This benefit offers the following benefits:  
  • βœ… Hearing screening for infants up to 8 weeks of age, in or outside the hospital.
  • βœ… Screening for congenital hypothyroidism in infants younger than one month.
  • βœ… Babyline: 24-hour medical advice line for children younger than 3 years.
  • βœ… Immunization according to South Africa’s Expanded Programme on Immunization until the age of 12.
  • βœ… Two Pediatrician or General Practitioner consultations per child <1 year.
  • βœ… One Pediatrician or General Practitioner consultation per child between the ages of one and two.
  • βœ… One GP consultation per child aged 2 to 12.
  • βœ… 2 Paediatrician or GP Consultations per child under 1 year.
  • βœ… 1 Paediatrician or GP Consultations per child between ages 1 and 2.
  • βœ… 1 GP consultations per child between ages 2 and 12

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Bonitas BonComplete Plan International Travel Benefit

  Before departure, you must register for this benefit. The Bonitas BonComplete Plan International Travel Benefit covers up to R1.2 million in medical emergency cover per family when traveling outside South Africa.  

Bonitas BonComplete Plan Hospital-at-Home

  This benefit offers the following:  
  • βœ… Care for any acute condition deemed necessary by your treating physician, such as pneumonia or Covid-19.
  • βœ… Alternative to general ward admission and step-down facilities, enabling patients to receive quality, safe healthcare in the comfort of their own homes.
  • βœ… 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.
  • βœ… The in-person clinical visits also provide support for blood tests, and medication administration as prescribed.
  • βœ… A team of trained medical professionals, including skilled nurses, will bring all the essential elements of hospital care to your home.
  • βœ… Re-admissions can be reduced with the help of a transitional care program.
  • βœ… Hospital-at-Home requires prior authorization.

Bonitas BonComplete Plan Cancer Cover

  The Bonitas BonComplete Plan’s Cancer Cover benefit works in the following ways:  
  • βœ… Provides you with emotional and medical support.
  • βœ… Consults your physician to confirm that your treatment plan is clinically appropriate for your needs.
  • βœ… Social worker access for you and your loved ones.
  • βœ… Utilizes the Bonitas Oncology Medicine Network. Non-network providers are subject to a 20% co-payment.
  • βœ… Matches your treatment plan to your insurance benefits to ensure you have the necessary coverage.
  • βœ… Specialists from the Bonitas Oncology Network are utilized.

Bonitas BonComplete Plan HIV / AIDS Benefit

  This benefit works in the following ways:  
  • βœ… Offers appropriate treatment and the means to live your best life.
  • βœ… Provides HIV-related consultations to monitor your doctor’s clinical status.
  • βœ… Provides access to telephone support from physicians.
  • βœ… Includes drugs to prevent mother-to-child transmission and infection following a sexual assault or a needle-stick injury.
  • βœ… Covers routine blood tests to monitor disease progression, therapy response, and possible treatment side effects.
  • βœ… Provides ongoing patient support through a team of skilled and seasoned counselors.
  • βœ… Prevention and treatment of opportunistic infections such as pneumonia, tuberculosis, and influenza.
  • βœ… Finds a registered therapist for face-to-face emotional support.

Diabetes Management

  This benefit works in the following ways:  
  • βœ… Enables you to make the best decisions to maintain your health.
  • βœ… Offers cover tests necessary for managing diabetes and other chronic conditions.
  • βœ… Provides access to diabetes specialists, dietitians, and podiatrists.
  • βœ… Provides access to a Health Coach who will respond to any questions.
  • βœ… Offers a tailored care plan to meet your specific requirements.
  • βœ… Provides education to improve your understanding of your condition.
  • βœ… Includes two consultations with a Diabetic Nurse educator to assist with diabetes care.

Back and Neck Programme

  This benefit works in the following ways:  
  • βœ… Evaluation of back and neck pain to determine the level of care necessary before surgery for the best possible outcome.
  • βœ… Provides a customized treatment plan for up to six weeks.
  • βœ… Contains care from physicians, physiotherapists, and biokinetics.
  • βœ… Provides access to a home care plan for long-term results maintenance and aids in managing severe back and neck pain.
  • βœ… Highly efficient and low risk, with a high rate of success.
  • βœ… Excluding X-rays, Bonitas will cover the cost of the program.
  • βœ… Members can use the DBC network.
  • βœ… Programme will cover shoulder and knee pain as well.

Hip and Knee Replacement

  This benefit works in the following ways:  
  • βœ… Using the most recent international standardized clinical care pathways
  • βœ… Doctors evaluate and treat your condition before surgery to ensure the best possible outcome.
  • βœ… Treatment is covered in full at a designated service provider for joint replacement surgery.
  • βœ… Employs a multidisciplinary team dedicated to assisting with successful recovery Treatment is fully covered by the ICPS and Joint Care networks.
  Employs a multidisciplinary team dedicated to assisting with successful recovery Treatment is fully covered by the ICPS and Joint Care networks.   Bonitas BonComplete Plan Additional Benefits

Bonitas BonComplete In-Hospital Benefits

  This benefit provides coverage for major medical events resulting in the beneficiary’s hospitalization.   In addition, members have access to private hospital cover, and authorization in advance is mandatory.Β  A co-payment may be required for admissions or procedures, and Managed Care Protocols may apply depending on the procedure or treatment.   Please note that if you utilize a hospital within the applicable network, you can avoid a 30% co-payment with the BonComplete option.  
πŸš‘ Specialist Consultations in-hospitalAt Bonita's Rate, all network specialists are covered in full. Non-network specialists are paid at 100% of Bonita's Rate.
πŸ’™ GP Consultations in-hospitalUnlimited, with 100% cover according to Bonita's Rate
πŸ’‰ Blood Tests and other lab testsUnlimited, with 100% cover according to Bonita's Rate
πŸ’Š X-Rays and UltrasoundsUnlimited, with 100% cover according to Bonita's Rate
πŸ₯ MRI and CT scansThere is an R30,430 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.
πŸ“Œ Allied Medical ProfessionalsSubject to a referral from a treating physician. Covered according to Bonita's Rate.
πŸ“ Physiotherapy, Podiatry, and biokineticsThe benefit is covered according to Bonita's Rate. A treatment practitioner referral is required.
πŸ” Internal and External ProsthesesSubject to Managed Care Protocols. There is a limit of up to R57,630 There is a sub-limit of R7,130 for breast prostheses, which is limited to two per year.
πŸ‘οΈβ€πŸ—¨οΈ Cataract SurgeryMembers can avoid an R7,420 co-payment by only using a DSP.
βš•οΈ Spinal SurgeryConditional upon an evaluation or conservative treatment by the Designated Service Provider.
🦡 Hip and Knee ReplacementsUse the Designated Service Provider to avoid an R38 560 co-payment.
βœ”οΈ Mental Health HospitalizationThere is coverage up to R41,190 per family. Physiotherapy for mental health admissions is not covered. Utilize a hospital within the applicable network to avoid a 30% coinsurance.
πŸ’Š Take-Home Medicine after dischargeMembers receive up to 7 days’ supply, up to R535 per hospital stay
βœ… Physical RehabilitationThere is a limit of up to R67,270 per family.
πŸ₯ Hospitalization AlternativesThere 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.
πŸ“ˆ Cancer TreatmentUnlimited for PMBs. Bonitas covers up to R280,100 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. There is a sub-limit of R63,110 that applies per beneficiary for Brachytherapy.
πŸ“‰ Cancer MedicineSubject to the Medicine Price List and the Preferred Product List Use a Designated Service Provider to avoid a 20% co-payment.
πŸ“Š Non-Cancer Specialized Medicine (such as biological medicine)Only available to PMB conditions.
πŸ” Organ TransplantsUnlimited Cover. There is a sub-limit of R42,710 for corneal grafts.
😷 Kidney DialysisUnlimited cover. Members can avoid a 20% co-payment by using a DSP.
➑️ HIV/AIDSIf you register for HIV/AIDS, the cover is unlimited. Chronic medicine can only be obtained from a DSP.
β˜‘οΈ Defined List of Day Surgery ProceduresUse a network day hospital to avoid an R5,440 co-payment.
  Bonitas BonComplete In-Hospital Benefits

Bonitas BonComplete Plan Exclusions and Waiting Periods

Exclusions

  The following is currently not covered by the Bonitas BonComplete 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
  • Back rests and chair seats
  • Bandages and dressings (except medicated dressings)

Waiting Periods

  Depending on pre-existing or existing conditions, the following might apply when you register for medical cover with the Bonitas BonComplete Plan:  
  • πŸ‘‰πŸΏ A 3-month general waiting period in respect of all benefits.
  • πŸ‘‰πŸΏ A 12-month exclusion in respect of a pre-existing condition.
  • πŸ‘‰πŸΏ A late-joiner contribution penalty may be applicable.
Bonitas BonComplete Plan Exclusions and Waiting Periods

Bonitas BonComplete Plan vs. Other Bonitas Medical Fund Plan Options

 
πŸ”Ž Bonitas PlanπŸ₯‡ Bonitas BonComplete Plan (2026)πŸ₯ˆ Profmed ProSecure Savvy (2026)πŸ₯‰ Umvuzo Health Extreme (2026)
πŸ’° Prescribed Minimum Benefits (PMB)β˜‘οΈ Yesβ˜‘οΈ Yesβ˜‘οΈ Yes
🍼 Maternity Benefitsβ˜‘οΈ Yesβ˜‘οΈ Yesβ˜‘οΈ Yes
πŸ‘€ Main Member ContributionR6,614 ZARR3,464 ZARR4,093 ZAR
πŸ‘₯ Adult Dependent ContributionR5,298 ZARR3,464 ZARR3,847 ZAR
πŸ‘Ά Child Dependent ContributionR1,794 ZARR1,570 ZARR1,371 ZAR
πŸ” Gap Coverβ˜‘οΈ Yesβ˜‘οΈ Yes❎ No
🌎 International CoverR1.2 millionR8 million❎ No
βš•οΈ HIV Care Programβ˜‘οΈ Yesβ˜‘οΈ Yesβ˜‘οΈ Yes
πŸ’™ Cardio Care Program❎ Noβ˜‘οΈ Yesβ˜‘οΈ Yes
  Bonitas BonComplete Plan vs. Other Bonitas Medical Fund Plan Options 2025

Our Verdict on the BonComplete Plan

  πŸ’™ The Bonitas BonComplete Plan provides members with comprehensive coverage for both in-hospital and out-of-hospital medical expenses and a range of additional benefits.   πŸ’™ One of the unique features of the BonComplete plan is its unlimited private hospital cover, which means that members can receive treatment in any private hospital without having to worry about reaching a prescribed limit. Verdict Complete planYou might also like to consider the following plans Bonitas has to offer:

Bonitas BonComplete Plan Frequently Asked Questions

What are the benefits of the Bonitas BonComplete plan?

The Bonitas BonComplete plan offers many benefits, including unlimited private hospital cover, chronic medication cover, preventative care, and maternity benefits.  

Does the Bonitas BonComplete plan cover pre-existing conditions?

Yes, the Bonitas BonComplete plan covers pre-existing conditions, but there may be waiting periods for certain conditions.  

Are there co-payments for certain procedures on the Bonitas BonComplete plan?

Yes, there are co-payments for certain procedures on the Bonitas BonComplete plan. These co-payments vary depending on the procedure.  

Does the Bonitas BonComplete plan cover dental and optical services?

Yes, the Bonitas BonComplete plan covers dental and optical services, subject to certain limits.  

Is there a limit on the number of GP and specialist visits on the Bonitas BonComplete plan?

No, there is no limit on the number of GP and specialist visits on the Bonitas BonComplete plan.  

Can I use any private hospital on the Bonitas BonComplete plan?

Yes, the Bonitas BonComplete plan provides unlimited private hospital cover, which means you can use any private hospital.  

What is the waiting period for maternity benefits on the Bonitas BonComplete plan?

The waiting period for maternity benefits on the Bonitas BonComplete plan is 12 months.  

What are the BonComplete rates for 2026?

Bonitas’ rates start from 6,614 ZAR main menber , adult dependant 5,289 ZAR, and child dependant 1,794 ZAR.  

What perks do you get with Bonitas?

You can access day-to-day benefits such as unlimited GP consultations, virtual care layers, dental and optical consultations, a network of private hospitals, and more.  

How do I claim money from Bonitas?

You can send the statement and claim form to Bonitas via post, email, or by handing it in at a walk-in center.  

How do you get chronic meds on Bonitas?

You must register chronic conditions with Bonitas and register the medicine you require.  

Does medical aid cover you completely?

If you are searching for new medical aid because you require immediate medical coverage, you will likely be subject to a waiting period unless you are fortunate enough to join an employer group with an exemption.   Unfortunately, however, it is not typical for medical aids to waive waiting periods for sick patients.  

Does medical aid cover surgery?

Medical plans such as Bonitas will assist you in paying for your healthcare expenses, such as doctor’s visits, nursing, surgery, dental work, optometry, medicine, and hospitalization, when necessary.  

Can medical aid pay for pregnancy?

Because pregnancy is considered a pre-existing condition, it is excluded from all benefits for the first year of membership.   Unless you were already a medical aid member before becoming pregnant, there is no medical cover for the period leading up to the birth, nor for the birth itself.  

Can I give birth at a private hospital without medical aid?

Mothers without medical insurance should inquire about special maternity packages at their preferred private hospital. These packages typically cost less than medical aid rates but must be paid in full before delivery.  

Which medical aid covers pregnancy?

Bonitas offers Maternity care and a maternity program for existing members who were part of the scheme before becoming pregnant. This benefit includes antenatal consultations, classes, ultrasound scans, amniocentesis, consultations with a midwife after delivery, and more.  

How do I apply for the Bonitas baby bag?

Call the Babyline number 0860 999 121 to register for the Bonita's baby bag. When you call, you must have the following information available: Your membership number, authorization number (delivery pre-authorization), contact information, and desired delivery address.  
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