Overall, the Bonitas BonEssential Select Hospital Plan is a trustworthy and comprehensive medical aid plan that offers international cover and maternity care to its members. The Bonitas BonEssential Select Medical Aid Plan starts from R2,192 ZAR.
πΆ Prescribed Minimum Benefits (PMB) | βοΈ Yes |
π Screening and Prevention | βοΈ Yes |
π³ Medical Savings Account | β No |
π₯ Hospital Cover | Unlimited |
π International Cover | R2.5 million |
π€ Main Member Contribution | R2,192 ZAR |
π Gap Cover | βοΈ Yes |
π Home Care | βοΈ Yes |
πΌ Maternity Benefits | βοΈ Yes |
π Chronic Conditions | βοΈ Yes |
The Bonitas BonEssential Select Plan starts from R2,192. It includes maternity, in- and out-of-hospital cover, international travel, PMBs, and more.
Gap Cover is available on the Bonitas BonEssential Select Plan, along with 24/7 medical emergency assistance.
According to the Trust Index, Bonitas Medical Fund has a trust rating of 4.5.
ππΏ Download the Bonitas Bonessential Select plan for 2025
π Member | π€ Main Member | π₯ +1 Adult Dependent | π +1 Child Dependent |
πΆ Contributions | R2,192 ZAR | R1,606 ZAR | R723 ZAR |
π Specialist Consultations in-hospital | Unlimited, with specialists fully covered according to Bonita’s Rate. Non-network specialists are paid up to 100% of Bonita’s Rate. |
π₯ GP Consultations in-hospital | Unlimited, with 100% cover according to Bonita’s Rate. |
π Blood Tests and other lab tests | Unlimited, with 100% cover according to Bonita’s Rate. |
π X-Rays and Ultrasounds | Unlimited, with 100% cover according to Bonita’s Rate. |
π MRI and CT scans | There is an R15,960 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. |
ποΈ Cataract Surgery | Members can avoid an R7,420 co-payment by only using a DSP. |
βοΈ Allied Medical Professionals | Only PMBs are covered. Subject to referral by a treating physician. |
β Physiotherapy, Podiatry, and biokinetics | Only PMBs are covered. Subject to referral by a treating physician. |
β‘οΈ Internal and External Prostheses | Only PMBs are covered. Bonitas Managed Care Protocols are in effect with this benefit. |
π¦· Hospitalization for dentistry | A co-payment of R5 000 per admission applies for the removal of impacted teeth only OR A R2 500 upfront co-payment if the dental treatment is done in a day hospital Managed Care and admission protocols will apply. General anesthesia benefits are offered for the removal of impacted teeth. Pre-approval is required for this benefit. Avoid a 30% co-payment by using a hospital on the applicable network |
βοΈ Mental Health Hospitalization | There is coverage up to R38,780 per family. Physiotherapy for mental health admissions is not covered. To avoid a 30% co-payment, members must use a DSP. |
π Take-Home Medicine after discharge | Members receive up to 7 daysβ supply, up to R470 per hospital stay |
π© Physical Rehabilitation | There is a limit of up to R60,900 per family. |
π Hospitalization Alternatives | There is a limit of R20,310 per household. Managed Care rules apply. |
π 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. |
π Cancer Treatment | Unlimited for PMBs with a DSP. There is a 30% co-payment when members use a non-DSP. There is a sub-limit of R60,680 per beneficiary with Brachytherapy. |
π Cancer Medicine | Subject to the Medicine Price List and the Preferred Product List Use a Designated Service Provider to avoid a 20% co-payment. |
π Organ Transplants | Only PMBs are covered under this benefit. |
π Kidney Dialysis | Unlimited cover. Members can avoid a 20% co-payment by using a DSP. |
βοΈ HIV/AIDS | If you register for HIV/AIDS, the cover is unlimited. Medicine must be obtained from a DSP. |
β Defined List of Day Surgery Procedures | Use a network day hospital to avoid an R5,4400 co-payment. |
BonEssential Select provides coverage for the 27 Prescribed Minimum Benefits outlined in the applicable formulary. Bonessential Select hospital plan has an additional condition it cover namely Depression. The plan cover a total of 28 Chronic conditions.
You must obtain your medication from Pharmacy Direct, the Bonitas Designated Service Provider. If you choose not to use Pharmacy Direct or if you use an off-formulary medication, you will be responsible for a 40% co-payment.
The Bonitas BonEssential Select Plan Covers the following PMBs:
and many more. A Full list will be supplied on request.
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This benefit offers the following:
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With this benefit, members can get the following benefits:
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This benefit provides up to R1 160, which can be used towards any out-of-hospital claims, including the following:
Once an adult beneficiary has completed a wellness screening or online wellness questionnaire, a child dependent can access the Benefit Booster.
There is one wellness examination per recipient at a participating pharmacy, biokinetics, or Bonita’s wellness day. The health examination includes the following tests:
This benefit includes the following:
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This benefit is subject to authorization but provides in-hospital and out-of-hospital treatment at 100% of Bonita’s Rate.
This benefit offers the following benefits:
Before departure, you must register for this benefit. The Bonitas BonEssential Select 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.
This benefit offers the following:
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The Bonitas BonEssential Select Planβs Cancer Cover benefit works in the following ways:
This benefit works in the following ways:
This benefit works in the following ways:
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This benefit works in the following ways:
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The following is currently not covered by the Bonitas BonEssential Select Plan:
and many more…
Depending on pre-existing or existing conditions, the following might apply when you register for medical cover with the Bonitas BonEssential Select Plan:
π Medical Plan | π₯ Bonitas BonEssential Select (2025) Plan | π₯ KeyHealth Essence (2025) | π₯ Essential Delta Core (2025) |
πΆ Prescribed Minimum Benefits (PMB) | βοΈ Yes | βοΈ Yes | βοΈ Yes |
π Screening and Prevention | βοΈ Yes | βοΈ Yes | βοΈ Yes |
π Medical Savings Account | β No | β No | β No |
π₯ Hospital Cover | Unlimited | Unlimited | Unlimited |
π Annual Limit | Unlimited | Unlimited | Unlimited |
π International Cover | R2.5 million | Yes | R5 million |
π€ Main Member Contribution | R2,192 ZAR | R2,187 ZAR | R2,507 ZAR |
π₯ Adult Dependent Contribution | R1,606 ZAR | R1,753 ZAR | R1,887 ZAR |
π Child Dependent Contribution | R723 ZAR | R788 ZAR | R1,006 ZAR |
π The Bonitas BonEssential Select plan is a comprehensive hospital cover option that provides both in-hospital and day-to-day benefits. It caters to individuals or families seeking a comprehensive plan without the added costs of more expensive options.
π With coverage for preventive and curative care, including chronic medication, dentistry, optometry, and maternity benefits, the plan offers ample benefits.
ππΏ You might also like to consider the following plans Bonitas has to offer:
The BonEssential Select hospital plan provides unlimited hospitalization in any hospital in South Africa at 100% of the scheme rate. You will also get prescribed minimum chronic medication benefits for 28 different conditions and maternity consultations, among other benefits.
This hospital plan includes comprehensive hospital benefits and some value-added features.
Medical aid ensures that you are covered if you require hospitalization or have a chronic condition requiring minimum or day-to-day benefits.Β Medical insurance, on the other hand, ensures that you receive a payment if you are hospitalized and unable to work or earn a living.
Adult dependents are financially dependent on the primary member are only accepted into schemes. Evidence may be required.Β If your parent has never belonged to a medical scheme or has taken a break from coverage, they might be subject to a late-joiner penalty.
It depends on the medical aid. Most medical aids consider the children of the primary member as independent between 21 and 24, after which they are removed automatically unless they are still financially dependent.
Open medical scheme members can switch to a new medical scheme at any time. However, it is important to note that waiting periods may be involved. These waiting periods will be determined by the length of time they have been members of a medical scheme and their responses to underwriting questions.
Membership for a single person is an option. However, the minimum age requirement is 18, which explains why medical aid for a child alone is impossible under current legislation.
There is no age limit in South Africa for enrolling in a medical aid scheme. However, if you enroll for the first time after age 35, a fee could be charged.
Members of the scheme are eligible for a second medical tax rebate, known as the additional medical expenses tax credit (AMTC). The AMTC provides tax relief for qualifying medical expenses not covered by the medical aid scheme.
The co-payments for day procedures/surgeries will depend on the specific procedure/surgery. Generally, the plan has lower co-payments compared to other plans from Bonitas.
The plan covers oncology treatment but with a lower threshold than other Bonita plans. This means that it provides less coverage for certain oncology-related expenses.
The plan offers fewer cover options for certain benefits, such as GP consultations and specialized dentistry.
While the plan includes day-to-day benefits, it is more of a hospital plan, offering basic coverage for hospitalization, chronic medication, and certain-day procedures/surgeries.
Yes, you can upgrade to a more comprehensive plan if you require additional coverage for certain benefits. However, this may result in a higher premium.
Adriaan holds an MBA and specializes in medical aid research. With his commitment to perfection, he ensures the accuracy of all data presented on medicalaid.com every three months. When he is not conducting research, Adriaan can be found indulging in his passion for trout fishing amidst nature.
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