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Bonitas BonFit Select Medical Aid Plan

Overall, the Bonitas BonFit Select Medical Aid Plan is a trustworthy and comprehensive medical aid plan that offers in and out-of-hospital coverage to up to 3 Family Members. The Bonitas BonFit Select Medical Aid Plan starts from R2295 ZAR.

👤 Main Member Contribution	R2,295 ZAR
👥 Adult Dependent Contribution	R1,719 ZAR
💙 Child Dependent Contribution	R772 ZAR
🔁 Gap Cover	☑️ Yes
💶 Prescribed Minimum Benefits (PMB)	☑️ Yes
➡️ Medical Savings Account	☑️ Yes
📌 Oncology Cover	R213,000 ZAR
🏥 Hospital Cover	Unlimited
⚕️ Mental Healthcare Program	☑️ Yes
🏠 Home Care	☑️ Yes

Bonitas BonFit Select Review – 9 Key Point Quick Overview

Bonitas BonFit Select Plan Overview

The Bonitas BonFit Select Plan starts from R2,295. It includes maternity, in and out of hospital cover, international travel, PMBs, and more.

Gap Cover is available on the Bonitas BonFit Select Plan, along with 24/7 medical emergency assistance. According to the Trust Index, Bonitas Medical Fund has a trust rating of 4.5.

Bonitas BonFit Select Plan Contributions

🔎 Member	👤 Main Member	👥 +1 Adult Dependent	💙 +1 Child Dependent
💶 Contributions	R2,295 ZAR	R1,719 ZAR	R772 ZAR

Bonitas BonFit Select Benefits and Cover Comprehensive Breakdown

Bonitas BonFit Select 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.

📌 General Practitioner Consultations (Including Virtual/Online)	Paid from available Medical Savings Account balance.
📍 Additional GP Consultations	Even if you spend all your savings for the year, your family will still be entitled to a maximum of two GP consultations (limited to one per beneficiary) at Bonita’s Rate.
✔️ Specialist Consultations	Paid from available Medical Savings Account balance. Your GP must refer you.
🔍 Blood and other lab tests	Paid from available Medical Savings Account balance.
📈 X-Rays and Ultrasounds	Paid from available Medical Savings Account balance.
📉 Acute Medicine and OTC Medicine	Paid from available Medical Savings Account balance.
📊 Homeopathic Medicine	Paid from available Medical Savings Account balance.
⚕️ Allied Medical Professionals (including Dieticians, Occupational Therapists, etc.)	Paid from available Medical Savings Account balance.
➡️ Physiotherapy, Podiatry, and Biokinetics	Paid from available Medical Savings Account balance.
👁️ Optometry	Paid from available Medical Savings Account balance.
👁️‍🗨️ Eye Tests	One consultation per beneficiary at a network provider or an eye examination at a non-network provider for R380 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	Paid from available Medical Savings Account balance.
🚩 Contact lenses	Paid from available Medical Savings Account balance.
🔍 General Medical Appliances such as crutches and wheelchairs	Paid from available Medical Savings Account balance. Frequency limits per the Managed Care Protocols apply. Must use a preferred supplier.
➡️ External Prostheses	Only covered if it is a PMB.
📌 MRIs and CT scans	Paid from available Medical Savings Account balance. / Pre-authorization is necessary.
📍 Mental Health Consultations	In and out-of-hospital consultations are included as part of the Mental Health hospitalization benefit. Only PMB consultations are allowed. This is covered according to the Mental Health hospitalization benefits.
🦷 Basic Dentistry	Covered according to the Bonitas Dental Tarif. / Managed Care Protocols apply.
🪥 Consultations	Each beneficiary receives two annual check-ups (once every 6 months).
😷 Preventative Care	Beneficiary services include scaling and polishing 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.

Bonitas BonFit Select Chronic Benefits

BonFit Select covers you for the 27 Prescribed Minimum Benefits. However, you must go through Pharmacy Direct as the Designated Service Provider to obtain your medication. Furthermore, pre-authorization is required for any medication. If you do not use Pharmacy Direct or medication not on the formulary, you must pay a 40% co-payment. Furthermore, The Bonitas BonFit Select 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

and many more. A full list will be supplied.

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Bonitas BonFit Select Plan Additional Benefits

Available upon completion of a wellness questionnaire or screening. There is an R1,440 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 BonFit Select Maternity Care

This benefit offers the following:

✅ Six antenatal consultations with a gynecologist, GP, or midwife.
✅ Antenatal classes are paid for with available savings.
✅ Two 2D ultrasound scans.
✅ One amniocentesis

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

Bonitas BonFit Select 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.

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Bonitas BonFit Select 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 BonFit Select 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.

Bonitas BonFit Select Plan Contraceptives

✅ R1,870 per household for the Bonitas BonFit Select 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 BonFit Select Plan Africa Benefit

This benefit is subject to authorization but provides in-hospital and out-of-hospital treatment at 100% of Bonita’s Rate.

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Bonitas BonFit Select Additional GP Consultations (including virtual)

Even if you spend all your savings for the year, your family will still be entitled to a maximum of two GP consultations (limited to one per beneficiary) at Bonita’s Rate.

Bonitas BonFit Select 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.
✅ One pediatrician or general practitioner visit per child under one year.
✅ One consultation with a pediatrician or general practitioner per child aged 1 to 2.
✅ One doctor visit per child between the ages of 2 and 12.

Immunization according to South Africa’s Expanded Programme on Immunization until the age of 12.

Bonitas BonFit Select Plan International Travel Benefit

Before departure, you must register for this benefit. The Bonitas BonFit Select 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 BonFit Select 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.

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Bonitas BonFit Select Plan Cancer Cover

The Bonitas BonFit Select 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 for cancer treatment.

Specialists from the Bonitas Oncology Network are utilized.

Bonitas BonFit Select 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.

Bonitas BonFit Select 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.

Bonitas BonFit Select 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.

Bonitas BonFit Select In-Hospital Benefits

📌 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. Unlimited non-network specialists are compensated at 100% of 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 R19,530 limit per family in and out-of-hospital. Pre-authorization is required for MRIs and CT scans. There is an R1,7700 co-payment per scan unless it is for a PMB.
👁️ Cataract Surgery	Members can avoid an R7,050 co-payment by only using a DSP.
⚕️ Allied Medical Professionals	Subject to a referral from a treating physician. Subject available savings unless it is a PMB. Covered according to Bonita’s Rate.
➡️ Physiotherapy, Podiatry, and biokinetics	Subject available savings unless it is a PMB. The benefit is covered according to Bonita’s Rate. A treatment practitioner referral is required.
✳️ Internal l Prostheses	Only PMBs are covered, and it is subject to Managed Care Protocols.
💙 Mental Health Hospitalization	There is coverage up to R39,150 per family. Physiotherapy for mental health admissions is not covered.
💊 Take-Home Medicine after discharge	Members receive up to 7 days’ supply, up to R475 per hospital stay
🔎 Physical Rehabilitation	There is a limit of up to R61,480 per family.
🏥 Hospitalization Alternatives	There is a limit of R20,500 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 R213,000 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 R57,680 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.
✅ Organ Transplants	Unlimited Cover. Corneal Grafts are only covered in terms of PMBs.
✔️ 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 R5,170 co-payment.

Savings Account for Bonitas BonFit Select

🔎 Members	💶 Day-to-Day Benefits
👤 Main Member (Only)	R4,128 ZAR
👥 Adult Dependent	R3,096 ZAR
💙 Child Dependent	R1,392 ZAR

Bonitas BonFit Select Plan Exclusions and Waiting Periods

Exclusions

The following is currently not covered by the Bonitas BonFit Select 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)
Beds, mattresses, linen savers, pillows, and overlay

and many more.

Waiting Periods

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

✅ A 3-month general waiting period in respect of all benefits.
✅ A 12-month exclusion in respect of a pre-existing condition.

Finally, a late-joiner contribution penalty will apply.

Bonitas BonFit Select Plan vs. Other Bonitas Medical Fund Plan Options

🔎 Medical Plan	🥇 Bonitas BonFit Select Plan	🥈 Medihelp MedAdd Elect	🥉 Fedhealth FlexiFED 1
👤 Main Member Contribution	R2,295 ZAR	R2,676 ZAR	R1,716 – R2,201
👥 Adult Dependent Contribution	R1,719 ZAR	R2,100 ZAR	R1,341 – R1,725
💙 Child Dependent Contribution	R772 ZAR	R930 ZAR	R625 – R806
🔁 Gap Cover	☑️ Yes	❎ No	❎ No
💶 Prescribed Minimum Benefits (PMB)	☑️ Yes	☑️ Yes	☑️ Yes
➡️ Screening and Prevention	☑️ Yes	☑️ Yes	☑️ Yes
💳 Medical Savings Account	☑️ Yes	☑️ Yes	☑️ Yes
🍼 Maternity Benefits	☑️ Yes	☑️ Yes	☑️ Yes
🏠 Home Care	☑️ Yes	❎ No	☑️ Yes

Our Verdict on the Bonitas BonFit Select Plan

Bonitas BonFit Select is one of Bonitas’ Savings options that provide members with a set amount that they can use for certain out-of-hospital expenses. Compared with other plans, BonFit Select has higher annual limits but covers fewer things. For instance, there is no cover for advanced dentistry.

However, despite this, the BonFit select option is 15% cheaper than any other network. Still, it offers some of the most comprehensive covers for only R2,230 per month. It is still a very good medical aid to consider.

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 BonEssential Select Medical Aid Plan
🚩 Bonitas BonEssential Medical Aid Plan
🚩 Bonitas BonComprehensive Medical Aid Plan
🚩 Bonitas BonComplete Medical Aid Plan
🚩 Bonitas BonClassic Medical Aid Plan
🚩 Bonitas BonCap Medical Aid Plan

Bonitas BonFit Select Plan Frequently Asked Questions

Does Bonitas pay for wisdom teeth removal?

Yes. Wisdom tooth extraction is covered in the dentist’s chair without co-payments. In contrast, in-hospital wisdom tooth extraction has an R5,000 co-payment.

Does Bonitas cover knee surgery?

Through Improved Clinical Pathway Services (ICPS) and JointCare, Bonitas provides a care program specializing in hip and knee replacements. This option, however, is not available on the BonFit Select plan.

Does Bonitas cover spine surgery?

Bonitas Medical Fund has partnered with DBC to provide its members with access to a six-week back and neck program designed to either prevent surgery or, if surgery is unavoidable, to prepare and strengthen before surgery and rehabilitate afterward.

Which is the greatest medical aid for pensioners in South Africa?

Bonitas Medical Fund is one of the best schemes for pensioners based on its comprehensive savings plans that cover a range of procedures, treatments, and illnesses.

Can you withdraw savings from medical aid?

You cannot withdraw funds from your designated Medical Savings Account (MSA). However, the scheme will usually pay any positive balances in your designated MSA if you: resign from the Scheme, or you have changed your health plan to one that does not include a Medical Savings Account.

Does Bonitas pay for rehabilitation?

A mental health benefit is available as a supplementary benefit across the Bonitas plan range. This benefit covers rehabilitation as well as substance abuse. Furthermore, there is a per-family annual limit, including a sub-limit for in- and out-of-hospital consultations on certain options.

Does Bonitas cover weight loss surgery?

Bonitas does not provide cover for weight loss surgery.

Does Bonitas pay for breast reduction?

The Bonitas Medical Scheme offers medically supported breast reduction surgery with reasonable conditions that the surgery must meet.

Does Bonitas cover gym membership?

You can join the Sanlam Reality rewards program if you are a Bonitas medical aid scheme member. In addition, Virgin Active offers a gym benefit structured so that the more you exercise, the greater the cash rewards.

Adriaan Schoeman

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.