Bonitas BonComprehensive Medical Aid Plan
Overall, the Bonitas BonComprehensive Medical Aid Plan is a trustworthy and comprehensive medical aid plan that offers international cover and PMBs to up to 3 Family Members. The Bonitas BonComprehensive Medical Aid Plan starts from R8,990 ZAR.
| 💊 Prescribed Minimum Benefits (PMB) | ☑️ Yes |
| ⚕️ Screening and Prevention | ☑️ |
| 💳 Medical Savings Account | Up to R19,914 (Main) |
| 💙 Oncology Cover | R400,000 ZAR |
| 🍼 Maternity Benefits | ☑️ |
| 📈 Annual Limit | Unlimited Hospital Cover |
| 🌎 International Cover | R10 million |
| ➡️ Gap Cover | ☑️ |
| 👤 Main Member Contribution | R8,217 ZAR |
| 🏠 Home Care | ☑️ |
Bonitas BonComprehensive Review – 9 Key Point Quick Overview
- ☑️ Bonitas BonComprehensive Overview
- ☑️ Bonitas BonComprehensive Plan Contributions
- ☑️ Bonitas BonComprehensive Benefits and Cover Comprehensive Breakdown
- ☑️ Bonitas BonComprehensive Plan Additional Benefits
- ☑️ Bonitas BonComprehensive In-Hospital Benefits
- ☑️ Bonitas BonComprehensive Plan Exclusions and Waiting Periods
- ☑️ Bonitas BonComprehensive Plan vs. Other Bonitas Medical Fund Plan Options
- ☑️ Our Verdict on the Bonitas BonComprehensive Plan
- ☑️ Bonitas BonComprehensive Plan Frequently Asked Questions
Bonitas BonComprehensive 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. The Bonitas BonComprehensive Plan starts from R8,990.
It includes maternity, in- and out-of-hospital cover, international travel, PMBs, and more. Gap Cover is available on the Bonitas BonComprehensive Plan, along with 24/7 medical emergency assistance.
According to the Trust Index, Bonitas Medical Fund has a trust rating of 4.5.
Bonitas BonComprehensive Plan Contributions
| 🔎 Members | 👤 Main Member | 👥 +1 Adult Dependent | 💙 +1 Child Dependent |
| 💶 Contributions | R8,217 ZAR | R7,749 ZAR | R1,672 ZAR |
Bonitas BonComprehensive 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.
Discover the 5 Best Hospital Plans under R300
BonComprehensive Savings, SPG, Threshold, and ATB
Once your annual savings are depleted, you will be responsible for your day-to-day medical expenses until you have paid the full self-payment gap. Then, you will have access to your benefit above the threshold. Please submit all claims you have paid towards the self-payment gap to Bonitas so that the scheme can inform you when you have access to your benefit above the threshold. However, members should note that not all claims will contribute to your self-payment gap. Furthermore, all claims will accumulate according to Bonita’s Rate.
| 🔎 Members | 👤 Main member | 👥 Adult Dependent | 💙 Child Dependent |
| 💳 Savings Account | R19,914 | R18,774 | R4,050 |
| 💶 Self-Payment Gap (SPG) | R4,650 | R3,860 | R1,760 |
| 📉 Threshold Level | R24,564 | R22,634 | R5,810 |
| 📊 Above Threshold Benefit (ATB) | Unlimited | Unlimited | Unlimited |
BonComprehensive 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 R34,340 per family for in and out-of-hospital scans.
There is an R2,500 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
There is an above threshold limit of R15,930 per family combined with OTC medicine. |
| 😷 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.
There is an above-threshold limit of R15,930 per family combined with acute medicine. |
| ➡️ 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 R18,130 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 R51,010 per family every 5 years.
Consumables are limited to R25,740 per family.
There is only one device allowed per family yearly. |
| 🤓 Optometry | Paid from available savings or above-the-threshold benefit, R3 675 per beneficiary, 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. |
| 👓 Eye Tests | One consultation per beneficiary at a network provider or an eye examination at a non-network provider for R365 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 | Subject to the available Medical Savings or above threshold benefits.
Subject to the Optometry sub-limit. |
| 📍 Contact lenses | Subject to the available Medical Savings or above threshold benefits.
Subject to the Optometry sub-limit. |
| ✔️ Hearing Aids | A limit of R30,000 per family and a 10% co-payment will apply. |
| 🦷 Basic Dentistry | Subject to the available Medical Savings or above threshold benefits.
Subject to the Dental Management Programme of Bonitas.
Covered according to the Bonitas Dental Tariff. |
| 🪥 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. |
| 📊 Specialized Dentistry | Subject to the Bonitas Dental Management Programme, covered at the Bonitas Dental Tariff. |
| 🔍 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. |
| 🦷 Crowns, bridges, and lab costs | Three crowns 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. |
| 🪥 Implants and Associated Lab fees | Two implants per beneficiary every 5 years.
There is a limit of R3,180 per implant to cover the cost of components. |
| 💶 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. |
| ☑️ 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. |
BonComprehensive Chronic Benefits
BonComprehensive covers 60 chronic conditions. Your chronic medicine benefit is R16,100 per beneficiary and R32,060 per family on the applicable medicine formulary. If you use a medication that is not on the formulary, you must pay a 40% co-payment. However, after you have paid the above amount, you will still be covered for the 27 Prescribed Minimum Benefits listed. In addition, your medication must be obtained from the Bonitas Pharmacy Network, and Pre-approval is required. The Bonitas BonComprehensive 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
and many more.
You might like: 5 Best Medical Aids for Students
BonComprehensive covers the following additional chronic conditions:
- ✅ Acne
- ✅ Allergic Rhinitis
- ✅ Alzheimer’s Disease (early onset)
- ✅ Ankylosing Spondylitis
- ✅ Anorexia Nervosa
- ✅ Barrett’s Esophagus
- ✅ Bechet’s Disease
- ✅ Bulimia Nervosa
- ✅ Cystic Fibrosis
- ✅ Dermatitis
- ✅ Dermatomyositis
- ✅ Depression
- ✅ Eczema
- ✅ Gastro-Esophageal Reflux Disease (GORD)
- ✅ Generalized Anxiety Disorder
- ✅ Gout
- ✅ Huntington’s Disease
- ✅ Hyperthyroidism
and many more.
Bonitas BonComprehensive Plan Additional Benefits
Available upon completion of a wellness questionnaire or screening. There is an R2,730 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.
BonComprehensive Maternity Care
This benefit offers the following:
- ✅ Twelve antenatal appointments with a gynecologist, general practitioner, or midwife.
- ✅ R1 410 is reserved for antenatal classes.
- ✅ Two 2-dimensional ultrasound scans.
- ✅ Amniocentesis was performed once.
- ✅ Four post-delivery midwife consultations (one of which can be used for a lactation specialist consultation).
After-delivery private ward – up to 3 days.
POLL: Best Medical Aids in South Africa Cover IVF
Bonitas BonComprehensive 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.
- ✅ A Baby bag containing baby care necessities.
Try our free Ovulation Calculator
Bonitas BonComprehensive 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:
- ✅ Blood pressure
- ✅ Glucose
- ✅ Cholesterol
- ✅ Body Mass Index
- ✅ Waist-to-hip ratio
Bonitas BonComprehensive 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.
- ✅ Dental fissure sealants prevent tooth decay in permanent teeth in children younger than 16 years.
- ✅ Covid-19 vaccinations and boosters as directed by the National Health Service.
- ✅ One whooping cough booster vaccine every ten years for members aged seven to 64.
Two human papillomaviruses (HPV) vaccines for girls aged 9 to 14.
Bonitas BonComprehensive Plan Contraceptives
- ✅ R1,830 per household for the Bonitas BonComprehensive 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 BonComprehensive 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 BonComprehensive 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.
- ✅ Three Pediatrician or General Practitioner consultations per child <1 Year.
- ✅ Between the ages of one and two, each child should see a pediatrician or a general practitioner twice.
- ✅ Between the ages of 2 and 12, each child receives two GP consultations.
Read more about Health Insurance for Children
Bonitas BonComprehensive Plan International Travel Benefit
Before departure, you must register for this benefit. The Bonitas BonComprehensive Plan International Travel Benefit covers up to R10 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 BonComprehensive Mental Wellness
- ✅ Available to members with depression, anxiety, post-traumatic stress disorder, or alcoholism.
- ✅ Access to a Care Manager who will collaborate with you, your treating physician, and, as needed, other healthcare professionals to improve your condition.
- ✅ 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.
- ✅ Provides mental health education materials that empower you to manage your condition.
A digital platform intended to facilitate members’ access to mental health information, community support, and professional assistance.
Bonitas BonComprehensive 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 BonComprehensive Plan Cancer Cover
The Bonitas BonComprehensive 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 BonComprehensive 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 BonComprehensive In-Hospital Benefits
This benefit provides cover 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.
| 🔎 Specialist Consultations in-hospital | Unlimited, with 150% 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 R34,340 limit per family in and out-of-hospital.
Pre-authorization is required for MRIs and CT scans.
There is an R2,500 co-payment per scan unless it is for a PMB. |
| 📈 Allied Medical Professionals | Unlimited, with 100% cover according to Bonita’s Rate.
Covered according to Bonita’s Rate. |
| 📉 Physiotherapy, Podiatry, and biokinetics | Unlimited, with 100% cover according to Bonita’s Rate.
A treatment practitioner referral is required. |
| 📊 Internal and External Prostheses | There is a limit of up to R60,380 for internal prostheses per family.
There is a limit of up to R60,380 for external prostheses per family.
There is a sub-limit of R5,760 for breast prostheses, which is limited to two per year. |
| 📌 Internal Nerve Stimulators | Cover of up to R181,400 is available per family. |
| 📍 Deep Brain Stimulation (excluding prostheses) | Cover of up to R255,700 is available per family. |
| ☑️ Cochlear Implants | Cover of up to R304,300 is available per family. |
| ✅ Cataract Surgery | Members can avoid an R6,620 co-payment by only using a DSP. |
| 📈 Refractive Surgery | There is a limit of R22,760 per family, and pre-authorization is required for this procedure. |
| 📉 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 R33,100 co-payment. |
| 📌 Mental Health Hospitalization | There is coverage up to R53,480 per family.
Physiotherapy for mental health admissions is not covered. |
| 📍 Take-Home Medicine after discharge | Members receive up to 7 days’ supply, up to R595 per hospital stay |
| ☑️ Physical Rehabilitation | There is a limit of up to R54,360 per family. |
| ✅ Hospitalization Alternatives | There is a limit of R18,130 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 R400,000 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 R54,160 that applies per beneficiary for Brachytherapy.
There is R260,000 available for specialized medicine, including biological medicine. |
| 📊 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) | There is R220,800 available per family. |
| 📍 Organ Transplants | Unlimited Cover.
There is a sub-limit of R34,520 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. |
| 📈 Defined List of Day Surgery Procedures | Use a network day hospital to avoid an R2,430 co-payment. |
Bonitas BonComprehensive Plan Exclusions and Waiting Periods
Exclusions
The following is currently not covered by the Bonitas BonComprehensive 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 Fill list will be provided.
You might like to read more about 5 Best Medical Aids under R300
Waiting Periods
Depending on pre-existing or existing conditions, the following might apply when you register for medical cover with the Bonitas BonComprehensive 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 will apply.
Bonitas BonComprehensive Plan vs. Other Bonitas Medical Fund Plan Options
| 🔎 Plan | Bonitas BonComprehensive Plan | Discovery Health Executive Plan | Keyhealth Platinum |
| 📌 Prescribed Minimum Benefits (PMB) | ☑️ Yes | ☑️ Yes | ☑️ Yes |
| 📍 Screening and Prevention | ☑️ Yes | ☑️ Yes | ☑️ Yes |
| 💳 Medical Savings Account | Up to R19,914 ZAR | Up to R24,888 ZAR | Up to R12,445 ZAR |
| 🍼 Maternity Benefits | ☑️ Yes | ☑️ Yes | ☑️ Yes |
| 🏠 Home Care | ☑️ Yes | ☑️ Yes | ❎ No |
| 🌎 International Cover | R10 million | Up to US$1 million | R6 million |
| 👤 Main Member Contribution | R8,217 | R8,298 | R10,308 |
| 👥 Adult Dependent Contribution | R7,749 | R8,298 | R7,227 |
| 👶 Child Dependent Contribution | R1,672 | R1,586 | R2,176 |
Our Verdict on the Bonitas BonComprehensive Plan
The BonComprehensive medical aid plan is one of the most popular medical aid plans offered by Bonitas Medical Fund in South Africa. BonComprehensive is the top plan from Bonitas that provides members with extensive cover for both in-hospital and out-of-hospital medical expenses and a range of additional benefits.
You might also like to consider the following plans Bonitas has to offer:
Bonitas BonComprehensive Plan Frequently Asked Questions
What is the Bonitas BonComprehensive plan?
The Bonitas BonComprehensive plan is a comprehensive medical aid plan offered by Bonitas Medical Fund in South Africa. It provides members with extensive cover for both in-hospital and out-of-hospital medical expenses and a range of additional benefits.
Does Bonitas cover dental implants on BonComprehensive?
Yes, Bonitas covers two dental implants per beneficiary every 5 years. However, some limits apply to this benefit.
What are the benefits of the Bonitas BonComprehensive plan?
The Bonitas BonComprehensive plan offers many benefits, including unlimited private hospital coverage, coverage for chronic medication, preventative care, maternity benefits, and coverage for certain alternative therapies.
Who offers the best dental insurance?
Bonitas offers comprehensive dental coverage on the BonComprehensive plan, including basic and specialized dentistry, crowns, braces, implants, bridges, dentures, and more.
Are there any exclusions on the Bonitas BonComprehensive plan?
Yes, there are exclusions on the Bonitas BonComprehensive plan, which may include cosmetic surgery, certain elective procedures, and experimental treatments.
What does Bonitas cover?
Bonitas’ Plans provide a daily maximum with sub-limits for GP and specialist consultations, acute and over-the-counter medication, X-rays and blood tests, and other out-of-hospital medical expenses, as well as risk-based additional benefits, among other benefits.
Does the Bonitas BonComprehensive plan cover pre-existing conditions?
Yes, the Bonitas BonComprehensive plan covers pre-existing conditions, but there may be waiting periods for certain conditions.
How can I save money on my dental visits?
Ensure that you are on a medical aid plan that covers basic and specialized dentistry. Furthermore, ensure that you use a dentist on your medical aid’s Designated Service Provider list.
Are there co-payments for certain procedures on the Bonitas BonComprehensive plan?
Yes, there are co-payments for certain procedures on the Bonitas BonComprehensive plan. These co-payments vary depending on the procedure.
Does the Bonitas BonComprehensive plan cover dental and optical services?
Yes, the Bonitas BonComprehensive plan covers dental and optical services, subject to certain limits.
Does Bonitas pay for home care?
Bonitas provides members access to its “Hospital at Home” benefit, including alternative ward admission, step-down facilities, remote patient monitoring, and more.
Is there a limit on the number of GP and specialist visits on the Bonitas BonComprehensive plan?
No, there is no limit on the number of GP and specialist visits on the Bonitas BonComprehensive plan.
Do I have to pay for dental treatment if I am over 60?
There is no age limit on the dental treatment offered by Bonitas.
Can I use any private hospital on the Bonitas BonComprehensive plan?
Yes, the Bonitas BonComprehensive 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 BonComprehensive plan?
The waiting period for maternity benefits on the Bonitas BonComprehensive plan is 10 months.
