Bonitas vs. Sizwe Hosmed Medical Fund
💙 Bonitas versus Hosmed Medical Fund compared and revealed.
💙 We tested them side by side and verified their medical aid plans benefits, affordability, and much more.
💙 This is a complete guide to Bonitas and Hosmed Medical Fund in South Africa.
👉 In this in-depth guide you’ll learn:
- ✅ What is a Medical Scheme?
- ✅ Which medical aid is the best for young families?
- ✅ Which medical aid is best for a young person?
- ✅ How to compare medical aids against each other?
- ✅ Which should you choose: Bonitas or Hosmed Medical Fund?
💙 So if you’re ready to go “all in” with the Bonitas versus Sizwe Hosmed Medical Fund in South Africa, this guide is for you.
👉 Let’s dive right in…
Bonitas vs. Sizwe Hosmed Medical Fund Summary
Overall Comparison
| ✔️ Feature | 🥇 Bonitas | 🥇 Sizwe Hosmed Medical Fund |
| General comparison | 5/5 | 4/5 |
| Number of plans | 15 | 8 |
| Lowest premium | R1 154.00 (BonCap Plan) | R2,636 (Access Core Plan) |
| Highest premium | R11 321.00 (BonComprehensive Plan) | R8 415.00 (Titanium Executive) |
| Student Plan | No | No |
| Gap Cover | Yes | Yes |
| Hospital plans | Yes | Yes |
| Maternity benefits | Yes | Yes |
| Number of members | 730 000 | 172 000 |
Plan benefits
| ✔️ Feature | 🥇 Bonitas | 🥇 Sizwe Hosmed Medical Fund |
| Name of Plan | • BonStart • BonStart Plus • BonFit Select • BonSave • BonComplete • BonClassic • BonComprehensive • Standard • Standard Select • Primary • Primary Select • BonEssential • BonEssential Select • Hospital Standard • BonCap | • Essential Copper • Access Core • Access Saver • Gold Ascend • Gold Ascend EDO • Value Platinum • Value Core • Titanium Executive |
| Price per plan | • BonStart: R1,498 • BonStart Plus: 1,907 • BonFit Select: R2 524.00 • BonSave: R3,782 • BonComplete: R6,040 • BonClassic: R7,453 • BonComprehensive: R11,321 • Standard: R5,439 • Standard Select: R4,915 • Primary: R3,307 • Primary Select: R2,946 • BonEssential: R2,509 • BonEssential Select: R2,192 • Hospital Standard: R3 252 • BonCap: R1,154 | • Essential Copper: R3,023 • Access Core: R2,636 • Access Saver: R3,371 • Gold Ascend: R3,726 • Gold Ascend EDO: R3,543 • Value Platinum: R5,583 • Value Core: R5,306 • Titanium Executive: R9,788 |
| GP Visits | Yes | Yes |
| GP in room visits | Yes | Yes |
| Specialist visits | Yes (with sublimits) | Yes |
| Acute medication | Yes | Yes |
| Chronic medication | Yes | Yes |
| Basic pathology | Yes | Yes |
| Basic and emergency dentistry | Basic dentistry only | Yes with pre-authorization |
| Basic optometry | Yes | Yes depending on the plan you choose |
| HIV benefit | Yes | Yes |
| Maternity benefit | Yes | Yes |
| Road accident claims | Yes | No |
Bonitas vs. Sizwe Hosmed Medical Fund
👉 Both Bonitas and Sizwe Hosmed Medical Fund are known as good medical aid schemes in South Africa that provide a comprehensive selection of tailored plans. Here, we compare in these two medical aid schemes to help you decide on the best option for your healthcare needs in 2025.
Which offers more affordable cover – Bonitas or Sizwe Hosmed Medical Fund?
👉 Bonitas has the lowest premium of the two medical aids with its BonStart plan. Both medical aids have a wide choice in plans to best suit your needs. Plans at both the medical aids are reasonably priced and meant for individuals, families, and pensioners.
Do both schemes offer gap cover?
👉 Gap coverage is a temporary insurance policy that offers shortfall coverage in cases where doctors and specialists demand more than what medical aid will cover. Your medical assistance works in conjunction with a gap cover.
👉 With Bonitas beneficiaries have three Gap Cover options that have been designed to provide the most comprehensive medical expense shortfall cover along with extensive financial protection against a wide range of health risks.
👉 Sizwe Hosmed Medical Fund does not make provision for gap cover and it is suggested that you contact an individual broker to make your own provision for gap cover.
Do both schemes offer hospital plans?
👉 Yes, both Bonitas and Sizwe Hosmed Medical Fund offer hospital plans. Bonitas Hospital Plans cover you in hospital for emergency and planned procedures. You also get access to some additional benefits for wellness and preventative care.
👉 All of Sizwe Hosmed Medical Fund’s plans come with hospital plans that will pay for the costs of your care if you are admitted to the hospital, including ward costs, theatre fees, and accounts from other in-hospital providers like anesthesiologists or radiologists. All of its hospital plans are governed by the terms of the Scheme, pre-approval, case management, clinical guidelines, and the benefit choice you have selected.
Who is Bonitas?
👉 The worldwide rating for Bonitas’ financial security is AA-. As a percentage, it is 30.7% solvent.
👉 Since the majority of Bonitas contributors and beneficiaries are relatively young, under 30 years old, annual contribution increases tend to be more modest on average.
👉 Hospitalization, long-term care, and pharmaceutical coverage are all available at low costs through the various medical assistance plans offered by Bonitas. This organization is a great fit for both individuals and families seeking medical insurance.
👉 Bonitas wasn’t the country of South Africa’s initial medical aid provider, but it has swiftly become the largest. Its doors first opened in 1982.
👉 The 4,500 doctors, hospitals, and other medical facilities that make up the Bonitas network are dedicated to providing high-quality care at reasonable costs.
👉 To help tackle the rising expense of healthcare, Bonitas provides its clients with two distinct solutions: oncology management and hospital and medicine management.
👉 Many Bonitas policies include coverage for Lasik eye surgery in addition to other dental and vision therapies. The interest that is accrued on each participant’s unused amount is carried over to the following year.
Who will benefit from Bonitas Medical Scheme?
👉 Bonitas is a good option for young families and individuals looking for affordable medical aid that will cover the most essential and important aspects of their medical needs, including GP visits, chronic medication, and medical emergencies in-hospital.
👉 You might also like to consider the following plans Bonitas has to offer:
- 🏆 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 BonFit Select 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
Who is Sizwe Hosmed Medical Fund?
👉 Sizwe Medical Fund was founded in 1978. The Fund is essentially a South African company that in many ways mirrors a South African story. Hosmed Medical Scheme was founded in 1998. The two medical aids merged to form Sizwe Hosmed Medical Fund.
👉 The Group’s goals in creating the Fund were to lead South African people in healthcare issues and to offer medical aid coverage for South Africans. South African specialists can now launch their own private practices because of this. Additionally, it allowed all South Africans private patients and their doctors access to pricey drugs, X-rays, and other investigations that were beyond reach for almost everyone without medical aid coverage.
👉 Sizwe Hosmed Medical funds’ footprint stretches nationwide and itis accepted by all service providers. It guarantees unlimited hospitalization on all options for PMB conditions. The collective value of Hosmed day-to-day benefits per option compares well with the rest of the industry.
👉 It offers optometry, dentistry, pathology and radiology benefits per person, no matter how big your family is. Additionally, it includes a wellness benefit for all beneficiaries on all options as well as access to a 24-hour call center, including telephonic nurse advice on emergency and nonemergency transfer.
👉 Overall the scheme offers a traditional, sound healthcare solution for all South Africans.
Who will benefit from Sizwe Hosmed Medical Fund?
👉 With Sizwe Hosmed Medical Fund, you have access to a wide range of medical aid options and industry-leading benefits for individuals as well as the whole family.
👉 Sizwe Hosmed offers 8 medical aid plans:
Frequently Asked Questions
How does the affordability of Bonitas compare vs Siswe Hosmed?
Bonitas’ BonStart plan has the lowest premiums of the two medical aids. There are many plans available from both medical aids to suit your needs. Sizwe Hosmed Medical Fund accepts all Nationalities as clients in South Africa. Both medical aids offer affordable plans for individuals, families and pensioners.
How does Bonitas hospital plans compare vs Siswe Hosmed hospital plans?
Both Bonitas Medical Fund and Sizwe Hosmed Medical Fund provide hospital plans. Bonitas Hospital plans cover emergency and planned procedures in the hospital. Get access to additional benefits such as wellness and prevention care. Sizwe Hosmed Medical Fund plans include hospital plans which cover the cost of care in the event of hospitalization. This includes ward fees, theatre fees and other accounts with providers such as anesthesiologists and radiologists. The terms of the Scheme and pre-approval are the governing factors for all hospital plans. Clinical guidelines, case management, pre-approvals, and benefit choices will also be considered.
How does the Bonitas membership numbers compare vs Siswe Hosmed?
The membership number of Bonitas is 730 000 and that of Siswe Hosmed currently stands at 172 000.
How does Bonitas gap cover compare vs Sizwe Hosmed Medical Fund?
Bonitas provides an option to apply for gap cover, but Sizwe Hosmed Medical Fund does not offer the option of gap cover. However, members do have the option to apply for gab cover with an independent gap cover insurer.
Do Bonitas and Sizwe Hosmed Medical Fund medical aids have a waiting period?
Yes, both Bonitas and Sizwe Hosmed Medical Fund have a general three-month waiting period during which you are unable to submit a claim.
