Bonitas Medical Aid

Evaluating your healthcare needs is core to selecting the right medical aid cover to suit you and your family’s medical requirements. Firstly, analyze your medical expenditure over the last 12 months. This will establish how often you have visited the doctor or specialist, what medication you have had to buy and whether or not you need cover for dread diseases and medical conditions. Your overall health needs will dictate what level of medical cover you require. You have two options before deciding on a medical plan best for you – consult a broker for advice or visit Bonitas here to help you find a plan and to compare product ranges. Bonitas offers nine medical aid plans offering a variety of benefits at monthly premiums to suit different pockets.

The highs and the lows

Here we’ll take a closer look at the highs and the lows of the different medical aid plans on offer from Bonitas. All monthly payments are based on the company’s 2019 payment schedule. BonComprehensive

The cost

A BonComprehensive plan costs:

• From R 6438 for the principal member
• From R 6072 for an adult dependant
• From R 1310 per child
As you can see, BonComprehensive will cost an average family of four no less than R15,140 monthly, but the benefits are substantial.

Hospital benefits

• Unlimited hospital cover
• Unlimited specialist and GP consultations paid at 300% for specialists and 100% per GPs of the Bonitas tariff rate
• Unlimited blood tests and X-rays at 100% of the Bonitas rate
• Unlimited MRI and CT scans – R31,330 per family (in or out-of-hospital)
• Internal and external prostheses – R55,100 for internal and external prosthesis per family
• Internal nerve stimulators – R165,600 per family
• Cochlear implants – R277,700 per family
• Mental health hospitalization – R46,880 per family
• Sub-limit of hospitalization for consultations (in or out-of-hospital) – R15,890 per family
• Take-home medicine – R545 per hospital stay
• Physical rehabilitation – R49,610 per family
• Hospice and step-down facilities – R16,550 per family
• Unlimited terminal care
• Cancer treatment – R618,500 per family, of which R245,400 can be allocated for specialized drugs, including biological drugs
• Non-cancer specialized drugs, including biological drugs – R196,200 per family
• Unlimited organ transplants
• Unlimited kidney dialysis at a designated service provider. A co-payment of 20% is levied if a non-designated service provider is used
• Unlimited HIV/AIDS treatment, subject to registration on the HIV/AIDS program
• Co-payments apply for spinal surgery without DBC intervention, for non-ICPS, joint care, and hip replacements

Out-of-hospital benefits

The following benefits are paid for from available savings and/or above threshold benefit
• Specialist consultations
• X-rays and ultrasounds
• Blood tests
• Optometry once every 2 years – R3,020 per beneficiary
• Basic and specialized dentistry
• Acute medicine
• Over-the-counter medicine
• Paramedical and allied practices such as dieticians and occupational therapists

Other out-of-hospital benefits include:

General medical appliances – R8,390 per family (Stoma Care and CPAP machines may exceed the limit by R6,160 per family)
Hearing aids – R25,780 per family every two years, subject to a 10% co-payment
Refractive surgery – R20,770 per family
Chronic benefits – 60 chronic conditions amounting to R13,830 per beneficiary
Maternity benefits
• Private ward
• 12 antenatal consultations
• Two ultrasound scans
• Antenatal classes limited to R1,220
• One amniocentesis
• Four post-natal midwife consultations
There is also an additional benefit of R1,580 for contraceptive for the family.

Additional Benefits

Also included in this package are additional childcare, preventative, and wellness benefits.
Chronic benefits
Chronic benefits cover 27 stipulated conditions. There are a further 32 conditions covered as additional benefits. All of these can be viewed here.

The lower end of the scale

At the lower end of the scale, Bonitas offers Primary Select, an entry-level medical aid plan that places the emphasis on basic medical cover at an affordable price. This medical cover will cost an average family of four in the region of R3,393 a month.

Premiums

Principal member – from R 1904
Adult dependant – from R 1489
Child dependant – from R 606

Hospital benefits

• Unlimited hospital cover at a network-designated facility
• Unlimited GP and specialist consultations with network doctors covered at 100% of the Bonitas tariff rate
• Unlimited Blood tests and X-rays at 100% of the Bonitas tariff rate
• MRIs and CT scans – R13,000 per family
• Internal prostheses – R31,500 per family, excluding joint replacement prosthesis
• Mental health hospitalization – R15,830 per family
• Sub-limits for hospitalization for consultations – R9,560 per family
• Take-home medicine – R380 per hospital stay
• Physical rehabilitation – R49,610 per family
• Hospice and step-down facilities – R16,550 per family
• Unlimited terminal care
• Cancer treatment – R165,500 per family
• Unlimited organ transplants
• Unlimited kidney dialysis at a designated service provider, otherwise subject to a 20% co-payment
• Unlimited HIV/AIDS treatment subject to registration on the HIV/AIDS program

Co-payments for certain procedures do apply.

Out-of-hospital conditions paid for from available day-to-day benefits include:

• GP consultations
• Specialist consultations
• X-rays and ultrasounds
• Blood tests
• Acute medication
• Paramedical and allied professionals such as dieticians and occupational therapists

Other out-of-hospital benefits

• Over-the-counter medicine – R490 per beneficiary or R1,430 per family annually
• General medical appliances – R6,890 per family (Stoma Care and CPAP machines may exceed the limit by R6,550 per family)
• Optometry – R4,480 per family every two years
• Basic dentistry – covered from risk
• Unlimited chronic benefits as listed on the Prescribed Medical Benefits schedule

Additional benefits

Additional chronic, maternity, childcare, travel, preventative care, and wellness benefits also apply. These can be viewed here.

 

 

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NOTES:

Your medical aid quote will include options to suit your pocket. Please ensure that the cover you select is exactly what you need and that you understand exactly what insurance you are buying. Do not hesitate to ask questions about the medical aid or hospital cover you choose.