Bonitas BonStart Medical Aid Plan
Overall, the Bonitas BonStart Medical Aid Plan is a trustworthy and comprehensive medical aid plan that offers 24/7 medical emergency assistance and unlimited Hospital Cover to up to 3 Family Members. The Bonitas BonStart Medical Aid Plan starts from R1378 ZAR.
| 🌎 International Cover | R10 million |
| 👤 Main Member Contribution | R1,378 ZAR |
| 👥 Adult Dependent Contribution | R1,378 ZAR |
| 💙 Child Dependent Contribution | R1,378 ZAR |
| 🔁 Gap Cover | ☑️ Yes |
| ➡️ Hospital Cover | Unlimited |
| 💶 Prescribed Minimum Benefits (PMB) | ☑️ Yes |
| ⚕️ Screening and Prevention | ☑️ Yes |
| 🔁 Medical Savings Account | No |
| 🔎 Home Care | ☑️ Yes |
Bonitas BonStart Review – 9 Key Point Quick Overview
- ☑️ Bonitas Medical Fund BonStart Overview
- ☑️ Bonitas BonStart Contributions
- ☑️ Bonitas BonStart Benefits and Cover Comprehensive Breakdown
- ☑️ BonStart Additional Benefits
- ☑️ BonStart In-Hospital Benefits
- ☑️ Bonitas BonStart Exclusions and Waiting Periods
- ☑️ Bonitas BonStart vs. Other Bonitas Medical Fund Plan Options
- ☑️ Our Verdict on Bonitas BonStart
- ☑️ Bonitas BonStart Frequently Asked Questions
Bonitas Medical Fund BonStart Overview
The Bonitas BonStart starts from R1,378 and includes cover for maternity, in- and out-of-hospital, international travel, PMBs, and more. Gap Cover is available on BonStart, along with 24/7 medical emergency assistance.
According to the Trust Index, Bonitas Medical Fund has a trust rating of 4.5.
Bonitas BonStart Contributions
| 👤 Main Member | 👥 +1 Adult Dependent | 💙 +1 Child Dependent |
| R1,378 | R1,378 | R1,378 |
Bonitas BonStart Benefits and Cover Comprehensive Breakdown
Bonitas BonStart Out-of-Hospital Benefits
| 🔎 Virtual Care GP and Nurse Consultations | Unlimited network GP and Nurse Virtual Care consultations. |
| 📌 GP Consultations | Unlimited GP consultations require an online wellness questionnaire or screening.
Emergency GP consultations cost R120 per visit.
Two non-network GP consultations are allowed per family.
Authorization after the 6th visit. |
| 📍 GP-Referred Acute Medicine, X-Rays, Blood Tests | Family limit of R1,690.
Radiology and pathology formulary.
Acute medicine: 20% co-payment per script.
Avoid a 40% co-payment by using Bonitas Pharmacy Network.
Subject to medicine formulary use. |
| ☑️ Over-the-Counter Medicine | Event limit of up to R105.
Maximum R520 per family per year.
Formulary/Bonitas Pharmacy Network.
Bonitas Pharmacy Network users avoid 40% co-payments. |
| ✅ Specialist Consultations | 1 visit per family. R1,250.
All acute medicine, basic radiology, specialized radiology, and pathology prescribed by the specialist R250 co-payment per visit.
Must be referred by GP. |
| 👓 Optometry | One eye test per beneficiary at network providers.
R110 co-payment.
Limited to R380 at non-network providers. |
| 🦷 Basic Dentistry | Dental consultation per beneficiary.
R120 co-payment.
Managed Care beneficiaries receive one annual scale and polish.
Only children under 16 can get fissure sealants.
Children under 16 can receive fluoride treatments. |
| ⚕️ General Appliances and Devices | Only PMBs are covered under this benefit.
Members must use a preferred supplier to avoid co-payments.
The benefit is subject to frequency limits according to the Managed Care Protocols |
| ➡️ Physiotherapy | 2 sports injury consultations per beneficiary
R120 co-payment
Your network GP or specialist must refer you. |
| 🚩 Mental Health | Only PMBs are covered |
| ✳️ HIV/AIDS | If you register for the HIV/AIDS program, the coverage is unlimited.
Buying chronic medicine from the Designated Service Provider avoids a 30% co-payment. |
Chronic Benefits
BonStart guarantees coverage for the 27 Prescribed Minimum Benefits outlined on the applicable formulary. You must obtain your medication from Pharmacy Direct, the 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. Furthermore, BonStart 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
and many more.
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BonStart Additional Benefits
Available upon completion of a wellness questionnaire or screening. There is an R1,100 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
- ✅ Non-surgical procedures and tests, for instance, wart removal.
When an adult recipient has completed a wellness screening or online wellness questionnaire, dependent children are eligible for the Benefit Booster.
BonStart 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.
BonStart 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
BonStart Preventative Care
This benefit includes the following:
- ✅ One HIV test and counseling for each recipient.
- ✅ One flu vaccine per beneficiary.
- ✅ One pap smears every three years for women ages 21 to 65.
- ✅ Dental fissure sealants prevent tooth decay in permanent teeth in children younger than 16 years.
Vaccines and boosters for Covid-19 as directed by the National Institutes of Health.
BonStart Contraceptives
- ✅ R1,210 per household for BonStart (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.
BonStart Africa Benefit
- ✅ This benefit is subject to authorization but provides in-hospital and out-of-hospital treatment at 100% of Bonita’s Rate.
BonStart Childcare
- ✅ This benefit offers a Babyline with a 24-hour medical advice line for children younger than 3 years.
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BonStart International Travel Benefit
Before departure, you must register for this benefit. The BonStart International Travel Benefit covers up to R10 million in medical emergency coverage 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.
BonStart 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.
BonStart Cancer Cover
The BonStart 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.
BonStart 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.
BonStart In-Hospital Benefits
| 🏥 Private Hospital Care | Unlimited at the applicable hospital network
A co-payment of R1,690 applies per admission unless it is an emergency. |
| ➡️ GP Consultations in-hospital | Unlimited, with 100% cover according to Bonita’s Rate. |
| 📌 Specialist Consultations in-hospital | Unlimited, with 100% cover according to Bonita’s Rate. |
| 📍 Blood Tests | R29 350 per household, except for PMBs. |
| ✔️ Blood Transfusions | R21 320 per household, except for PMBs. |
| ☑️ X-Rays and Ultrasounds | Unlimited, with 100% cover according to Bonita’s Rate. |
| ✅ MRI and CT scans | There is an R13,390 limit per family.
Pre-authorization is required for MRIs and CT scans.
There is an R2,660 co-payment per scan unless it is for a PMB. |
| 📈 Allied Medical Professionals | Subject to a referral from a treating physician.
Only PMBs are covered. |
| 📉 Physiotherapy and biokinetics | Subject to a referral from a treating physician.
Only PMBs are covered. |
| 📊 Childbirth | Unrestricted at the relevant hospital network.
Utilize a hospital in the applicable network to avoid an R12,050 co-payment.
Managed Care protocols cover only approved emergency C-sections. |
| 🍼 Neonatal Care | There is a limit of up to R52,360 per family unless it is a PMB. |
| 🔎 Internal Prostheses | Only PMBs are covered.
Subject to Managed Care Protocols |
| 📌 External Prostheses | Only PMBs are covered. |
| 📍 Mental Health Hospitalization | Only PMBs are covered.
Physiotherapy for mental health admissions is not covered.
Members must use a hospital on the relevant network to avoid an R12,050 co-payment. |
| ✔️ Take-Home Medicine after discharge | Members receive up to 7 days’ supply, up to R440 per hospital stay |
| ✳️ Physical Rehabilitation | There is a limit of up to R57,230 per family.
Pre-authorization is required. |
| ☑️ Hospitalization Alternatives | R16,480 per household.
Managed Care rules apply, and pre-approval is needed. |
| ✅ Palliative Care (Only for Cancer) | Unlimited if DSP Managed Care protocols are followed.
Includes hospice and private nursing, oxygen at home, pain management, and support from a psychologist and a social worker. |
| 👁️ Cataract Surgery | If you use the Designated Service Provider, you can avoid an R6,780 co-payment. |
| 🦷 Dentistry | Only PMBs are covered under this benefit. |
| 🪥 Cancer Treatment | Unlimited for PMBs at a service provider that has been chosen.
Authorization is necessary.
Use a Designated Service Provider to avoid a 30% co-payment. |
| ➡️ 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 | Only PMBs will be covered, and pre-authorization is required.
Members can avoid a 30% co-payment by using a DSP. |
| ✳️ Kidney Dialysis | Only PMBs will be covered, and pre-authorization is required.
Members can avoid a 30% co-payment by using a DSP. |
| ⚕️ HIV/AIDS | If you register for HIV/AIDS, the cover is unlimited.
Buying chronic medicine from the Designated Service Provider avoids a 30% co-payment. |
| 😷 Defined List of Day Surgery Procedures | Using a network day hospital avoids an R12,050 co-payment. |
| 🚑 Co-payments on procedures | R2.890 co-payment (Includes non-network hospital co-payment)
Surgical arthroscopy
Hysterectomy laparoscopically |
Bonitas BonStart Exclusions and Waiting Periods
Exclusions
The following is currently not covered by BonStart:
- ✅ 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.
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Waiting Periods
Depending on pre-existing or existing conditions, the following might apply when you register for medical cover with BonStart:
- ✅ 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 BonStart vs. Other Bonitas Medical Fund Plan Options
| 🔎 Medical Plan | 🥇 Bonitas BonStart | 🥈 KeyCare Start Regional | 🥉 Platinum Health PlatCap |
| 👤 Main Member Contribution | R1,378 | R1,102 – R2,597 | 1,298 – 2,965 ZAR |
| 👥 Adult Dependent Contribution | R1,378 | R1,102 – R2,597 | 1,298 – 2,965 ZAR |
| 💙 Child Dependent Contribution | R1,378 | R664 – R795 | 530 – 1,030 ZAR |
| 🌎 International Cover | R10 million | None | None |
| 🔁 Gap Cover | ☑️ Yes | ❎ No | ❎ No |
| 💶 Prescribed Minimum Benefits (PMB) | ☑️ Yes | ☑️ Yes | ☑️ Yes |
| ➡️ Screening and Prevention | ☑️ Yes | ☑️ Yes | ❎ No |
| 🏠 Home Care | ☑️ Yes | ☑️ Yes | ☑️ Yes |
| 🤓 Optometry Benefit | ☑️ Yes | ☑️ Yes | ☑️ Yes |
Our Verdict on Bonitas BonStart
Bonitas’ BonStart plan is an entry-level plan that covers the most basic medical treatment and procedures in specific private hospitals on the scheme’s network. Furthermore, the plan covers up to 27 chronic conditions and several in-hospital procedures and treatments.
This plan does not have a medical aid savings account. However, it has generous limits on several items, such as GP Consultations, Basic Dentistry, Blood Tests, Blood Transfusions, MRIs, and CT scans.
Even though this is a basic plan, members still receive access to the wellness benefit, international travel cover, a comprehensive maternity program, and several managed care services.
You might also like to consider the following plans Bonitas has to offer:
Bonitas BonStart Frequently Asked Questions
What does Bonitas BonStart cover?
BonStart offers basic medical care for young, unmarried individuals. The BonStart medical aid plan offers unlimited hospital coverage at BonStart network hospitals for a small co-payment per visit. As a plan of the latest generation, it also provides unlimited virtual consultations with GPs and nurses.
Does Bonitas Pay for Gym Membership?
As a member of the Bonitas medical assistance programs, you can enroll in the Sanlam Reality rewards program. In addition, you can enjoy a gym benefit at Virgin Active that is structured so that the more you exercise, the higher your cash rewards will be.
Does Bonitas Medical Aid cover braces?
Bonitas covers the cost of orthodontic treatment according to the scheme and plan’s dental protocols.
Does Bonitas pay for blood tests?
Yes. Bonitas covers basic testing, including radiology and pathology, according to your medical aid plan.
Does Bonitas pay for dental implants?
Bonitas does not pay for dental implants. However, the cover is provided for metal frame dentures, crowns, and bridges.
What are the benefits of the Bonitas BonStart medical plan?
The Bonitas BonStart medical plan provides various benefits, including unlimited private hospital cover, chronic medication cover, emergency medical services, specialist consultations, and more.
How much does the Bonitas BonStart medical plan cost?
Bonitas BonStart starts from R1,378 for a main member, R1,378 for an adult-dependent, and R1,378 for a child dependent.
What is the waiting period for the Bonitas BonStart medical plan?
The waiting period for the Bonitas BonStart medical plan is three months for general healthcare services, 12 months for pre-existing conditions, and 24 months for certain specified conditions.
Can I add dependents to my Bonitas BonStart medical plan?
Yes, you can add dependents such as your spouse, children, and other family members to your Bonitas BonStart medical plan.
How do I claim my Bonitas BonStart medical plan?
You can claim your Bonitas BonStart medical plan by completing a claim form and submitting it along with the necessary documentation to Bonitas. You can also submit claims online or via Bonita’s mobile app.
Can I change my Bonitas BonStart medical plan?
Yes, you can change your Bonitas BonStart medical plan anytime by contacting Bonitas and requesting a change in your plan. However, there may be certain restrictions or waiting periods associated with the change.
