Medical Schemes Compared
Need help to choose a medical scheme? We will have
a look at how the benefits for roughly the same premiums at both Bonitas and Discovery medical schemes compared to
one another. We will compare some comprehensive and hospital options. But first let us take a look at the
What is a medical scheme?
Medical schemes are non-profit organizations that
manage medical aid account on behalf of the members of that scheme. Their main purpose is to provide affordable
medical aid and ensure their members receive the best medical care possible.
What is a medical aid?
A medical aid is an insurance product provided by
a medical scheme that covers for the financial impact private medical costs can incur. You pay a monthly premium to
your medical aid, and they provide you with certain benefits.
Comprehensive Medical Scheme Comparisons
Bonitas medical scheme, Bon Comprehensive
- Premiums from R3346 per
- Cover includes: a savings plan with above
threshold benefits for day to day expenses, refractive surgery benefits, biological drug benefits, chronic
cover for 53 conditions and hospital cover. The plan pays up to 300% of scheme rates and includes an unlimited
overall annual limit.
Discovery Medical aid, Executive plan:
- The premiums on this plan start at R 3764 per
- Cover includes: This plan includes hospital
cover of up to R10 million when travelling abroad. Unlimited hospital cover in any private hospital. Paid at
100% of the agreed scheme rate. Day to day cover in the form of a medical savings account with an annual limit
of up to R11292 per adult. Benefits for chronic medication and new technology or treatments are
Hospital Plans compared
Bonitas medical scheme: BonEssential
- Premiums from R979 per
- Cover includes: Unlimited hospital cover paid
at 100% of Bonitas Rates, with an unlimited overall annual limit. Chronic cover is included for 26
Discovery medical aid: Coastal Core
- Premiums from R998 per
- Cover includes: Unlimited cover in network
hospitals paid at 100% of the scheme rates. Essential chronic diseases cover is provided (26 diseases).
Emergency medical cover for 90 days or up to R5 million while travelling abroad.
You should consider these when you are thinking of
purchasing medical cover.
- The premiums. Look for the premiums you can
- The percentage of scheme rates cover you
receive. Higher scheme rates cover means less co-payments.
- Additional benefits you may receive. The more
benefits you will receive means better cover.
- Included day to day benefits vs. Medical
savings account. You need to consider if you want to be responsible for managing a medical savings account or
if you would rather use the appointed day to day cover.
- A choice between network or any private
- Cover should you travel
- The amount of chronic diseases
It is always wise to consider all your options
provided by medical aid schemes before you commit to a product that can have a big effect on the medical cover you
receive. © Medical Aid Plan
To get your medical aid plan quote by