BonSave
About this plan
π₯ Best suited for families wanting hospital cover with flexible day-to-day healthcare savings.
Principal Member
From
R4,047
per month
Adult Dependant
From
R3,059
per month
Child Dependant
From
R1,211
per month
What's covered
Hospital cover
Savings account
Day-to-day
Chronic cover
Dental
Optical
Maternity
Mental health
Waiting periods
- General
- 3 months
- Pre-existing conditions
- 12 months
BonSave
Bonitas BonSave Medical Aid Plan (πΏπ¦ 2026)
Overall, the Bonitas BonSave Medical Aid Plan is a trustworthy and comprehensive medical aid plan that offers Unlimited Hospital Cover and a Medical Savings Account for its members. The Bonitas BonSave Medical Aid Plan starts from R4,047.| π International Cover | R1.2 million ZAR |
| π€ Main Member Contribution | R4,047 |
| π₯ Adult Dependent Contribution | R3,059 |
| π Child Dependent Contribution | R1,211 |
| π Gap Cover | βοΈ Yes |
| π₯ Hospital Cover | Unlimited Pre-authorisation required. |
| πΆ Prescribed Minimum Benefits (PMB) | βοΈ Yes |
| π Screening and Prevention | βοΈ Yes |
| π³ Medical Savings Account | βοΈ Yes |
| πΌ Maternity Benefits | βοΈ Yes |

Bonitas BonSave Review - 10 Key Point Quick Overview
- βοΈ Bonitas BonSave Plan Overview
- βοΈ Bonitas BonSave Plan Contributions
- βοΈ Bonitas BonSave Benefits and Cover Comprehensive Breakdown
- βοΈ Bonitas BonSave Plan Additional Benefits
- βοΈ Bonitas BonSave In-Hospital Benefits
- βοΈ Bonitas BonSave Plan Exclusions and Waiting Periods
- βοΈ Savings Account for Bonitas BonSave
- βοΈ Bonitas BonSave Plan vs. Other Bonitas Medical Fund Plan Options
- βοΈ Our Verdict on the Bonitas BonSave Plan
- βοΈ Bonitas BonSave Plan Frequently Asked Questions
Bonitas BonSave Plan Overview
The Bonitas BonSave Plan starts from R4,047. It includes maternity, in- and out-of-hospital cover, international travel, PMBs, and more.Β Β Gap Cover is available on the Bonitas BonSave Plan, along with 24/7 medical emergency assistance. According to the Trust Index, Bonitas Medical Fund has a trust rating of 4.2. ππΏ Download the Bonitas BonSave Guide for 2026
Bonitas BonSave Plan Contributions
| π€ Main Member | π₯ +1 Adult Dependent | π +1 Child Dependent |
| R4,047 ZAR | R3,059 ZAR | R1,211 ZAR |
π You might like: 5 Best Medical Aids under R500

Bonitas BonSave Benefits and Cover Comprehensive Breakdown
Bonitas BonSave Out-of-Hospital Benefits
These benefits cover GP or specialist consultations, acute medicine, X-rays, blood tests, and other out-of-hospital medical expenses.Β 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.| π General Practitioner Consultations (Including Virtual/Online) | Paid from available Medical Savings Account balance. |
| π 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. |
| π Specialist Consultations | Paid from available Medical Savings Account balance. Your GP must refer you. |
| βοΈ Blood and other lab tests | Paid from available Medical Savings Account balance. |
| β X-Rays and Ultrasounds | Paid from available Medical Savings Account balance. |
| π Acute Medicine and OTC Medicine | Paid from available Medical Savings Account balance. |
| π Homeopathic Medicine | Paid from available Medical Savings Account balance. |
| β‘οΈ Allied Medical Professionals (including Dieticians, Occupational Therapists, etc.) | Paid from available Medical Savings Account balance. |
| π Physiotherapy, Podiatry, and Biokinetics | Paid from available Medical Savings Account balance. |
| π Optometry | Paid from available Medical Savings Account balance. |
| ποΈ Eye Tests | One consultation per beneficiary at a network provider or an eye examination at a non-network provider for R420 per beneficiary. |
| ποΈβπ¨οΈ Single-vision Lenses (clear) | 100% of the cost of lenses at network rates of R220 per lens, per beneficiary, if purchased outside of the network. |
| π€ Bifocal Lenses (clear) | 100% of the cost of lenses at network rates of R480 per lens, per beneficiary, if purchased outside the network. |
| π© Multifocal lenses | Base lens costs are fully covered at in-network providers or up to R900 per beneficiary at non-network locations. |
| π Frames only | Paid from available Medical Savings Account balance. |
| π Contact lenses | Paid from available Medical Savings Account balance. |
| βοΈ 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. |
| β External Prostheses | Only covered if it is a PMB. |
| βοΈ MRIs and CT scans | Limited up to R30,430 per family in and out-of-hospital. There is an R1,860 co-payment per scan unless it is a PMB. Pre-authorization is necessary. |
| π 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 R15,440 per family. |
| π¦· Basic Dentistry | Covered according to the Bonitas Dental Tarif. Managed Care Protocols apply. |
| πͺ₯ Consultations | Each beneficiary receives two annual check-ups (once every 6 months). |
| π 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. |
| βοΈ Surgery in the dental chair | Only for the removal of impacted teeth. Managed Care protocols apply. Bonitas Dental Tariff Cover |
| π Hospitalization and general anesthetic | Only impacted teeth are subject to an R5 200 co-payment per admission. OR A R2 500 upfront co-payment if the dental treatment is done in a day hospital. Using a hospital in the applicable network can avoid a 30% co-payment. This benefit only covers PMBs. Managed Care protocols are in effect. Pre-approval is required. |
| π€ Inhalation sedation in the dentistβs rooms | Managed Care Protocols will apply. |
| π΄ Moderate/deep sedation in the dentistβs rooms | This benefit is limited to conservative dental treatment and Managed Control Protocols apply. Members need pre-authorization for this procedure. |
Bonitas BonSave Chronic Benefits
BonSave covers you for the 28 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 30% co-payment. Furthermore, The Bonitas BonSave Plan Covers the following PMBs:- β Addisonβs Disease
- β Asthma
- β Bipolar Mood Disorder
- β Bronchiectasis
- β Cardiac Failure
- β Cardiomyopathy
- β Chronic Obstructive Pulmonary Disease
- β Chronic Renal Disease
- β Coronary Artery Disease
- β Crohnβs Disease
- β Diabetes Insipidus
- β Diabetes Type 1
- β Diabetes Type 2
- β Dysrhythmias
- β Epilepsy
- β Glaucoma
- β Depression (Medication up to R165 per beneficiary, per month is covered)

Bonitas BonSave Plan Additional Benefits
Available upon completion of a wellness questionnaire or screening. There is an R5,000 limit per family that can be used for a range of out-of-hospital claims, including the following:- β GP and specialist consultations.
- β Acute and over-the-counter medicine.
- β Biokineticists and physiotherapists consultations and treatment.
- β Paramedical services include dietician, speech and occupational therapy consultations, and treatment.
- β Alternative healthcare such as homeopathic consultations, treatment, and acupuncture.
- β X-rays
- β Blood tests
Bonitas BonSave Maternity Care
This benefit offers the following:- β Six antenatal consultations with a gynecologist, GP, or midwife.
- β There is a limit of up to R1,530 for antenatal classes.
- β Two 2D ultrasound scans.
- β One amniocentesis
- β Four postpartum consultations with a midwife (1 can be used for a consultation with a lactation specialist).
- β R200 per month for antenatal vitamins during pregnancy (Paid from available savings or Benefit Booster, subject to formulary)
ππΏ POLL: Best Medical Aids Cover Pre-Existing Pregnancy
Bonitas BonSave Plan Maternity Programme
With this benefit, members can get the following benefits:- β Access to a maternity advice line available around the clock.
- β Dedicated maternity nurse/midwife to support and advise you during your pregnancy.
- β Access to articles on prevalent pregnancy issues.
- β You receive weekly pregnancy education emails and text messages.
- β Online prenatal classes prepare you for childbirth and what to expect at home.
- β A Baby bag containing baby care necessities.
- β Early identification of high-risk pregnancies
- β Weekly engagement for high-risk pregnancies
- β Post-childbirth follow-up calls
- β Online assessments for pregnancy and mental health
Bonitas BonSave 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:- β Blood pressure
- β Glucose
- β Cholesterol
- β Body Mass Index
- β Waist-to-hip ratio
Bonitas BonSave Plan Preventative Care
This benefit includes the following:- β One HIV test and counseling for each recipient.
- β One flu vaccine per beneficiary.
- β One complete lipogram every 5 years for individuals aged 20 and older.
- β One mammogram every two years for women over 40.
- β Women aged 21 to 65 should undergo a pap smear every three years.
- β Men between 55 and 69 qualify for one prostate screening antigen test yearly.
- β Members 65 and older receive 1 pneumococcal vaccine every 5 years.
- β One stool test for colon cancer for individuals aged 45 to 75.
- β Dental fissure sealants prevent tooth decay in permanent teeth in children younger than 16 years.
- β Covid-19 vaccinations and boosters as directed by the National Health Service.
Bonitas BonSave Plan Contraceptives
- β R1,970 per household for the Bonitas BonSave Plan (for women aged up to 50).
- β It would help if you used the Designated Service Provider for contraceptives dispensed by a pharmacy.
Bonitas BonSave Plan Africa Benefit
This benefit is subject to authorization but provides in-hospital and out-of-hospital treatment at 100% of Bonita's Rate.ππΏ Read more about the 5 Best Travel Medical Insurances
Bonitas BonSave 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 BonSave Plan Childcare
This benefit offers the following benefits:- β Hearing screening for infants up to 8 weeks of age, in or outside the hospital.
- β Screening for congenital hypothyroidism in infants younger than one month.
- β Babyline: 24-hour medical advice line for children younger than 3 years.
- β One pediatrician or general practitioner visit per child under one year.
- β One consultation with a pediatrician or general practitioner per child aged 1 to 2.
- β One doctor visit per child between the ages of 2 and 12.
- β Immunization according to South Africaβs Expanded Programme on Immunization until the age of 12.
- β Online screening for infant and toddler health.
- β And many more...
Bonitas BonSave Plan International Travel Benefit
Before departure, you must register for this benefit. The Bonitas BonSave Plan International Travel Benefit covers up to R1.2 million in medical emergency cover per family when traveling outside South Africa. In and out-of-hospital treatment covered at 100% of the Bonitas Rate. Subject to authorisation.Bonitas BonSave Plan Hospital-at-Home
This benefit offers the following:- β Care for any acute condition deemed necessary by your treating physician, such as pneumonia or Covid-19.
- β Alternative to general ward admission and step-down facilities, enabling patients to receive quality, safe healthcare in the comfort of their own homes.
- β 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.
- β 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)
- β A team of trained medical professionals, including skilled nurses, will bring all the essential elements of hospital care to your home.
- β Re-admissions can be reduced with the help of a transitional care program.
Bonitas BonSave Plan Cancer Cover
The Bonitas BonSave Planβs Cancer Cover benefit works in the following ways:- β Provides you with emotional and medical support.
- β Consults your physician to confirm that your treatment plan is clinically appropriate for your needs.
- β Social worker access for you and your loved ones.
- β Utilizes the Bonitas Oncology Medicine Network. Non-network providers are subject to a 20% co-payment.
- β Matches your treatment plan to your insurance benefits to ensure you have the necessary coverage.
- β Specialists from the Bonitas Oncology Network are utilized.
Bonitas BonSave Plan HIV / AIDS Benefit
This benefit works in the following ways:- β Offers appropriate treatment and the means to live your best life.
- β Provides HIV-related consultations to monitor your doctorβs clinical status.
- β Provides access to telephone support from physicians.
- β Includes drugs to prevent mother-to-child transmission and infection following a sexual assault or a needle-stick injury.
- β Covers routine blood tests to monitor disease progression, therapy response, and possible treatment side effects.
- β Provides ongoing patient support through a team of skilled and seasoned counselors.
- β Prevention and treatment of opportunistic infections such as pneumonia, tuberculosis, and influenza.
- β Finds a registered therapist for face-to-face emotional support.
Bonitas BonSave Diabetes Management
This benefit works in the following ways:- β Enables you to make the best decisions to maintain your health.
- β Offers cover tests necessary for managing diabetes and other chronic conditions.
- β Provides access to diabetes specialists, dietitians, and podiatrists.
- β Provides access to a Health Coach who will respond to any questions.
- β Offers a tailored care plan to meet your specific requirements.
- β Provides education to improve your understanding of your condition.
Bonitas BonSave Back and Neck Programme
This benefit works in the following ways:- β Evaluation of back and neck pain to determine the level of care necessary before surgery for the best possible outcome.
- β Provides a customized treatment plan for up to six weeks.
- β Contains care from physicians, physiotherapists, and biokinetics.
- β Provides access to a home care plan for long-term results maintenance and aids in managing severe back and neck pain.
- β Highly efficient and low risk, with a high rate of success.
- β Excluding X-rays, Bonitas will cover the cost of the program.
- β Members can use the DBC network.
- β Β Programme will cover shoulder and knee pain also.

Bonitas BonSave In-Hospital Benefits
| π 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. |
| π 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. |
| π Blood Tests and other lab tests | Unlimited, with 100% cover according to Bonita's Rate. |
| βοΈ X-Rays and Ultrasounds | Unlimited, with 100% cover according to Bonita's Rate. |
| β 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 R1,860 co-payment per scan unless it is for a PMB. |
| ποΈ Cataract Surgery | Members can avoid an R8,400 co-payment by only using a DSP. |
| βοΈ 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. |
| β³οΈ 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. |
| π Internal l Prostheses | Only PMBs are covered, and it is subject to Managed Care Protocols. There is a limit of up to R41,070 per family. The cover is not offered for joint replacement unless it is a PMB. |
| π Mental Health Hospitalization | There is coverage up to R41,190 per family. Physiotherapy for mental health admissions is not covered. |
| π Take-Home Medicine after discharge | Members receive up to 7 daysβ supply, up to R500 per hospital stay |
| β‘οΈ Physical Rehabilitation | There is a limit of up to R67,270 per family. |
| π₯ Hospitalization Alternatives | There is a limit of R21,570 per household. Managed Care rules apply. |
| βοΈ 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. Bonitas covers up to R224,100 per family for non-PMBs, which is paid up to 80%, according to the DSP. There is no cover for non-DSPs once the limit is reached. There is a 30% co-payment when members use a non-DSP. There is a sub-limit of R63,110 that applies per beneficiary for Brachytherapy. |
| 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. |
| β€οΈ Organ Transplants | Unlimited Cover. There is a sub-limit of R42,710 for corneal grafts. |
| π Kidney Dialysis | Unlimited cover. Members can avoid a 20% co-payment by using a DSP. |
| π HIV/AIDS | If you register for HIV/AIDS, the cover is unlimited. Chronic medicine can only be obtained from a DSP. |
| βοΈ Defined List of Day Surgery Procedures | Use a network day hospital to avoid an R5,440 co-payment. |

ππΏ Discover more affordable healthcare coverage with Hospital Plans

Bonitas BonSave Plan Exclusions and Waiting Periods
Exclusions
The following is currently not covered by the Bonitas BonSave Plan:- β Aromatherapy
- β Ayurvedics
- β Herbalists
- β Iridology
- β Reflexology
- β Therapeutic Massage Therapy (Masseurs)
- β Ambulance Services that are not authorized or already included in the contract with the provider
- β Appliances, devices, and procedures not scientifically proven or appropriate
- β Back rests and chair seats
- β Bandages and dressings (except medicated dressings)
- β Beds, mattresses, linen savers, pillows, and overlay
Waiting Periods
Depending on pre-existing or existing conditions, the following might apply when you register for medical cover with the Bonitas BonSave Plan:- β A 3-month general waiting period in respect of all benefits.
- β A 12-month exclusion in respect of a pre-existing condition.
- β A late-joiner contribution penalty might apply.

Savings Account for Bonitas BonSave
| π Member | π Day-to-Day Benefits |
| π€ Main Member (Only) | R12,144 |
| π₯ Adult Dependent | R9,180 |
| π Child Dependent | R3,636 |

Medical Aid Comparisons :
Bonitas BonSave Plan vs. Other Bonitas Medical Fund Plan Options
| π Medical Plan | π₯ Bonitas BonSave Plan (2026) | π₯ Discovery Health Coastal Saver (2026) | π₯ Momentum Incentive (2026) |
| π€ Main Member Contribution | R4,047 | R3,797 | R4,827 |
| π₯ Adult Dependent Contribution | R3,059 | R2,855 | R3,884 |
| π Child Dependent Contribution | R1,211 | R1,533 | R1,803 |
| π Gap Cover | βοΈ Yes | βοΈ Yes | βοΈ Yes |
| β‘οΈ Hospital Cover | Unlimited | Unlimited | Unlimited |
| πΆ Prescribed Minimum Benefits (PMB) | βοΈ Yes | βοΈ Yes | βοΈ Yes |
| βοΈ Screening and Prevention | βοΈ Yes | βοΈ Yes | βοΈ Yes |
| π Medical Savings Account | βοΈ Yes | βοΈ Yes | βοΈ Yes |
| πΌ Maternity Benefits | βοΈ Yes | βοΈ Yes | βοΈ Yes |

Our Verdict on the Bonitas BonSave Plan
π While Bonitas BonSave and BonFit Select have similar benefits and comprehensive cover, BonSave offers higher limits and covers more than just PMBs in-hospital. πΒ Furthermore, members of this option have access to a much higher savings account, providing them with more funds to cover out-of-pocket expenses.
You might also like to consider the following plans Bonitas has to offer:- Bonitas Standard 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 BonFit 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 Boncore Medical Aid Plan
- Bonitas BonPrime Medical Aid Plan