Bonitas BonComplete Medical Aid Plan (🇿🇦 2025)

 

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 R6,040 ZAR.

 

💊 Prescribed Minimum Benefits (PMB)	☑️ Yes
⚕️ Medical Savings Account	☑️ Yes
🏥 Hospital Cover	Unlimited
👤 Main Member Contribution	R6,040 ZAR
🔁 Gap Cover	☑️ Yes
👶 Maternity Benefits	☑️ Yes
🍼 Pre- and Postnatal Care	☑️ Yes
📊 Chronic Conditions	☑️ Yes
🏠 Home Care	☑️ Yes
📌 Extended Cover for Oncology	☑️ Yes

 

 

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

 

1. ☑️ Bonitas BonComplete Overview
2. ☑️ Bonitas BonComplete Plan Contributions
3. ☑️ Bonitas BonComplete Benefits and Cover Comprehensive Breakdown
4. ☑️ BonCompleteChronic Benefits
5. ☑️ Bonitas BonComplete Plan Additional Benefits
6. ☑️ Bonitas BonComplete In-Hospital Benefits
7. ☑️ Bonitas BonComplete Plan Exclusions and Waiting Periods
8. ☑️ Bonitas BonComplete Plan vs. Other Bonitas Medical Fund Plan Options
9. ☑️ Our Verdict on the Bonitas BonComplete Plan
10. ☑️ 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.  The Bonitas BonComplete Plan starts from R6,040.

 

It includes maternity, in- and out-of-hospital cover, international travel, PMBs, and more.  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 4.5.

 

👉🏿 Download the BonComplete Plan for 2025

 

 

Bonitas BonComplete Plan Contributions

 

🔎 Member	👤 Main Member	👥 +1 Adult Dependent	💙 +1 Child Dependent
☑️ Contributions	R6,040	R4,838	R1,639

 

 

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.

 

👉🏿 READ more: Best Hospital Plans under R200

 

BonComplete Savings, SPG, Threshold, and ATB

 

🔎 Member	👤 Main member	👥 Adult Dependent	💙 Child Dependent
💳 Savings Account	R10,848	R8,688	R2,940
🔁 Self-Payment Gap (SPG)	R2,260	R1,910	R495
📉 Threshold Level	R13,108	R10,598	R3,435
💶 Above Threshold Benefit (ATB)	R6,010	R3,520	R1,540

 

BonComplete Out-of-Hospital Benefits

 

🔎 General Practitioner Consultations (Including Virtual/Online)	Paid from available Medical Savings Account balance or the above threshold benefits.
📌 Specialist Consultations	Paid from available Medical Savings Account balance or the above threshold benefits. Your GP must refer you.
📍 Blood and other lab tests	Paid from available Medical Savings Account balance or the above threshold benefits.
❌ X-Rays and Ultrasounds	Paid from available Medical Savings Account balance or the above threshold benefits.
🚑 MRIs and CT scans	There 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.
💊 Acute Medicine	Paid 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
💉 Over-the-Counter Medicine	Paid 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
✅ Homeopathic Medicine	Paid 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
☑️ Allied Medical Professionals (including Dieticians, Occupational Therapists, etc.)	Subject to the available Medical Savings or above threshold benefits.
➡️ Physiotherapy, Podiatry, and Biokinetics	Subject to the available Medical Savings or above threshold benefits.
🚩 Mental Health Consultations	In 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.
📌 General Medical Appliances such as crutches and wheelchairs	Subject to the available Medical Savings or above threshold benefits. Frequency limits per the Managed Care Protocols apply. Must use a preferred supplier.
📍 Insulin Pumps or Continuous Glucose Monitors	There is a limit of R89,420 per family every 5 years. Consumables are limited to R89,420 per family. There is only one device allowed per family yearly.

 

BonComplete Optometry Benefits

 

🔎 Optometry	Subject 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.
👁️‍🗨️ Eye Tests	One consultation per beneficiary at a network provider or an eye examination at a non-network provider for R400 per beneficiary.
👁️ Single-vision Lenses (clear)	100% of the cost of lenses at network rates of R215 per lens, per beneficiary, if purchased outside of the network.
🤓 Bifocal Lenses (clear)	100% of the cost of lenses at network rates of R460 per lens, per beneficiary, if purchased outside the network.
👓 Multifocal lenses	Base lens costs are fully covered at in-network providers or up to R860 per beneficiary at non-network locations.
📌 Frames only	There is a limit of R990 per beneficiary.
📍 Contact lenses	There is a limit of R2,435 per beneficiary.

 

BonComplete Basic Dentistry Benefits

 

🔎 Basic Dentistry	Covered according to the Bonitas Dental Tarif. Subject to the Dental Management Programme of Bonitas.
🤝 Consultations	Each beneficiary receives two annual check-ups (once every 6 months).
🦷 Intra-Oral X-Rays	Managed Care Protocols apply to this benefit.
🪥 Extra-Oral X-Rays	Each beneficiary can receive one every three years.
✅ 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.
☑️ Fillings	Fillings 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.
📌 Root Canal Therapy and Extractions	Managed Care Protocols apply to this benefit.
📍 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.

 

BonComplete Specialized Dentistry Benefits

 

🦷 Specialized Dentistry	Subject to the Bonitas Dental Management Programme, covered at the Bonitas Dental Tariff.
⚕️ Partial Chrome Cobalt frame dentures and lab costs	One partial frame (upper or lower) once every 5 years. Managed Care protocols apply. Pre-approval is required.
😷 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.
➡️ 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 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.
🚩 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.

 

BonComplete Maxillo-Facial Surgery and Oral Pathology Benefits

 

📌 Surgery in the dental chair	Managed Care protocols apply.
📍 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. 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.
➡️ Inhalation sedation in the dentist’s rooms	Managed Care Protocols will apply.
💤 Moderate/deep sedation in the dentist’s rooms	This benefit is limited to conservative dental treatment and Managed Control Protocols apply. Members need pre-authorization for this procedure.

 

 

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.

 

👉🏿 Discover: 5 Best Medical Aid Co-Payment Cover in South Africa

 

Furthermore, The Bonitas BonComplete Plan Covers the following PMBs:

 

• ✅ 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
• ✅ Diabetes Type 1
• ✅ Diabetes Type 2
• ✅ Dysrhythmias
• ✅ Epilepsy
• ✅ Glaucoma
• ✅ Hemophilia
• ✅ HIV/AIDS

 

 

and many more….

 

 

BonComplete covers the following additional chronic conditions:

 

• ✅ Acne (children up to 21 years)
• ✅ Allergic Rhinitis (children up to 21 years)
• ✅ Allergic Dermatitis/Eczema (children up to 21 years)
• ✅ Attention Deficit Disorder (in children aged 5-18)
• ✅ Depression (medication up to R160 per beneficiary, per month)

 

 

 

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:

 

• ✅ GP and specialist consultations.
• ✅ Acute and over-the-counter medicine.
• ✅ Biokineticists and physiotherapists consultations and treatment.
• ✅ Paramedical services include dietician, speech and occupational therapy consultations, and treatment.
• ✅ Alternative healthcare such as homeopathic consultations, treatment, and acupuncture.
• ✅ X-rays
• ✅ 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:

 

• ✅ Six antenatal consultations with a gynecologist, GP, or midwife.
• ✅ There is a limit of up to R1,580 for antenatal classes.
• ✅ Two 2D ultrasound scans.
• ✅ One amniocentesis.
• ✅ 4 consultations with a midwife after delivery (1 of these can
  be used for a consultation with a lactation specialist)
• ✅ Private ward after delivery – up to 3 days
• ✅ R195 per month for antenatal vitamins during pregnancy (Paid from available savings and/or above threshold benefit, subject to formulary)

 

Four postpartum consultations with a midwife (1 can be used for a consultation with a lactation specialist).

 

👉🏿 You might like:  5 Best Medical Aids for Pregnant Women

 

Bonitas BonComplete Plan Maternity Programme

 

With this benefit, members can get the following benefits:

 

• ✅ Access to a maternity advice line available around the clock.
• ✅ Dedicated maternity nurse/midwife to support and advise you during your pregnancy.
• ✅ Access to articles on prevalent pregnancy issues.
• ✅ You receive weekly pregnancy education emails and text messages.
• ✅ Online prenatal classes prepare you for childbirth and what to expect at home.

 

💙 New for 2025 :

1. Early identification of high-risk pregnancies
2. Weekly engagement for high-risk pregnancies
3. Post-childbirth follow-up calls
4. Online assessments for pregnancy and mental health

 

Finally, A Baby bag containing baby care necessities.

 

 

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:

 

• ✅ Blood pressure
• ✅ Glucose
• ✅ Cholesterol
• ✅ Body Mass Index
• ✅ Waist-to-hip ratio

 

 

Bonitas BonComplete Plan Preventative Care

 

This benefit includes the following:

 

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

 

 

and many more!

 

 

Bonitas BonComplete Plan Contraceptives

 

• ✅ R2,050 per household for the Bonitas BonComplete Plan (for women aged up to 50).
• ✅ It would help if you used the Designated Service Provider for contraceptives dispensed by a pharmacy.

 

 

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:

 

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

 

💙 New for 2025:

1. Milestone reminders for children under 3 years.
2. Online screenings for infant and toddler health.
3. Two vision screening tests for premature newborns up to
   six weeks, in or out-of-hospital.

 

👉🏿 POLL: Best Health Insurance for Kids

 

 

 

Bonitas BonComplete Plan International Travel Benefit

 

Before departure, you must register for this benefit. The Bonitas BonComplete Plan International Travel Benefit covers up to R2.5 million in medical emergency cover per family when traveling outside South Africa.

 

Furthermore, an additional benefit for medical quarantine is up to R10,000 per recipient if Covid-19 is detected.

 

 

Bonitas BonComplete Plan Hospital-at-Home

 

This benefit offers the following:

 

• ✅ 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, Bonita’s 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.
• ✅ Re-admissions can be reduced with the help of a transitional care program.

 

Hospital-at-Home requires prior authorization.

 

 

Bonitas BonComplete Plan Cancer Cover

 

The Bonitas BonComplete Plan’s Cancer Cover benefit works in the following ways:

 

• ✅ Provides you with emotional and medical support.
• ✅ Consults your physician to confirm that your treatment plan is clinically appropriate for your needs.
• ✅ Social worker access for you and your loved ones.
• ✅ Utilizes the Bonitas Oncology Medicine Network. Non-network providers are subject to a 20% co-payment.
• ✅ Matches your treatment plan to your insurance benefits to ensure you have the necessary coverage.

 

 

Specialists from the Bonitas Oncology Network are utilized.

 

Bonitas BonComplete Plan HIV / AIDS Benefit

 

This benefit works in the following ways:

 

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

 

 

Diabetes Management

 

This benefit works in the following ways:

 

• ✅ Enables you to make the best decisions to maintain your health.
• ✅ Offers cover tests necessary for managing diabetes and other chronic conditions.
• ✅ Provides access to diabetes specialists, dietitians, and podiatrists.
• ✅ Provides access to a Health Coach who will respond to any questions.
• ✅ Offers a tailored care plan to meet your specific requirements.
• ✅ Provides education to improve your understanding of your condition.

 

 

Back and Neck Programme

 

This benefit works in the following ways:

 

• ✅ Evaluation of back and neck pain to determine the level of care necessary before surgery for the best possible outcome.
• ✅ Provides a customized treatment plan for up to six weeks.
• ✅ Contains care from physicians, physiotherapists, and biokinetics.
• ✅ Provides access to a home care plan for long-term results maintenance and aids in managing severe back and neck pain.
• ✅ Highly efficient and low risk, with a high rate of success.
• ✅ Excluding X-rays, Bonitas will cover the cost of the program.

 

Members can use the DBC network.

 

 

Hip and Knee Replacement

 

This benefit works in the following ways:

 

• ✅ Using the most recent international standardized clinical care pathways
• ✅ Doctors evaluate and treat your condition before surgery to ensure the best possible outcome.

 

Employs a multidisciplinary team dedicated to assisting with successful recovery Treatment is fully covered by the ICPS and Joint Care networks.

 

 

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.  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.

 

🚑 Specialist Consultations in-hospital	At Bonita’s Rate, all network specialists are covered in full. Non-network specialists are paid at 100% of Bonita’s Rate.
💙 GP Consultations in-hospital	Unlimited, with 100% cover according to Bonita’s Rate
💉 Blood Tests and other lab tests	Unlimited, with 100% cover according to Bonita’s Rate
💊 X-Rays and Ultrasounds	Unlimited, with 100% cover according to Bonita’s Rate
🏥 MRI and CT scans	There 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.
📌 Allied Medical Professionals	Subject to a referral from a treating physician. Covered according to Bonita’s Rate.
📍 Physiotherapy, Podiatry, and biokinetics	The benefit is covered according to Bonita’s Rate. A treatment practitioner referral is required.
🔍 Internal and External Prostheses	Subject to Managed Care Protocols. There is a limit of up to R57,630 There is a sub-limit of R6,860 for breast prostheses, which is limited to two per year.
👁️‍🗨️ Cataract Surgery	Members can avoid an 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 R37 080 co-payment.
✔️ Mental Health Hospitalization	There 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.
💊 Take-Home Medicine after discharge	Members receive up to 7 days’ supply, up to R535 per hospital stay
✅ Physical Rehabilitation	There is a limit of up to R64,680 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 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 R60,680 that applies per beneficiary for Brachytherapy.
📉 Cancer Medicine	Subject to the Medicine Price List and the Preferred Product List Use a Designated Service Provider to avoid a 20% co-payment.
📊 Non-Cancer Specialized Medicine (such as biological medicine)	Only available to PMB conditions.
🔁 Organ Transplants	Unlimited Cover. There is a sub-limit of R41,070 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. Chronic medicine can only be obtained from a DSP.
☑️ Defined List of Day Surgery Procedures	Use a network day hospital to avoid an R2,720 co-payment.

 

 

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)

 

and more. A full list will be provided from Bonitas on request.

 

Waiting Periods

 

Depending on pre-existing or existing conditions, the following might apply when you register for medical cover with the Bonitas BonComplete Plan:

 

• 👉🏿 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 may be applicable.

 

 

 

Bonitas BonComplete Plan vs. Other Bonitas Medical Fund Plan Options

 

🔎 Bonitas Plan	🥇 Bonitas BonComplete Plan (2025)	🥈 Profmed ProSecure Savvy (2024)	🥉 Umvuzo Health Extreme (2024)
💰 Prescribed Minimum Benefits (PMB)	☑️ Yes	☑️ Yes	☑️ Yes
🍼 Maternity Benefits	☑️ Yes	☑️ Yes	☑️ Yes
👤 Main Member Contribution	R6,040 ZAR	R3,464 ZAR	R4,093 ZAR
👥 Adult Dependent Contribution	R4,838 ZAR	R3,464 ZAR	R3,847 ZAR
👶 Child Dependent Contribution	R1,639 ZAR	R1,570 ZAR	R1,371 ZAR
🔁 Gap Cover	☑️ Yes	☑️ Yes	❎ No
🌎 International Cover	R2.5 million	R8 million	❎ No
⚕️ HIV Care Program	☑️ Yes	☑️ Yes	☑️ Yes
💙 Cardio Care Program	❎ No	☑️ Yes	☑️ Yes

 

 

Our Verdict on the Bonitas BonComplete Plan

 

💙 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.

 

💙 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.

 

You might also like to consider the following plans Bonitas has to offer:

 

• Bonitas Standard Medical Aid Plan
• Bonitas Primary Select 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 Select Medical Aid Plan
• Bonitas BonEssential Select Medical Aid Plan
• Bonitas BonEssential Medical Aid Plan
• Bonitas BonComprehensive Medical Aid Plan
• Bonitas BonClassic Medical Aid Plan
• Bonitas BonCap Medical Aid Plan

 

 

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 Bonitas rates for 2024?

Bonitas’ rates start from 1,378 ZAR and go up to 9,853 ZAR, depending on your plan and family size.

 

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.