Bonitas Medical Fund Products

Our five affordable options provide quality health cover for everybody, from the CEO to the factory worker.

Select an option, on the left, to optimise the balance between affordability and richness of benefits to suit your personal healthcare needs.

Our options are structured in four main categories as indicated on the right ie. Major Medical, Chronic, Out of Hospital and Supplementary.

To chose the option most appropriate for you consider your health needs in the three main catergories listed below.

Major Medical
Covers medical expenses in hospital and major medical events

Chronic Medication
Covers medicine for conditions that require medication on an ongoing basis

Out of Hospital
Covers out of hospital medical expenses

Supplementary
Additional benefits, medical expenses incurred in or out of hospital

Major Medical Benefits
Major medical benefits cover medical expenses in hospital and major medical events. Hospital accounts are covered in full as per the negotiated rates between Bonitas and the major hospital groups. Hospital admission is subject to pre-authorisation by Hospital Benefit Management (HBM), except in the case of emergencies.

	BonComprehensive	BonSave	Standard	Primary	BonCap
Limit	Unlimited	Unlimited	Unlimited	R600 000 per family per annum	R500 000 per family per annum
Reimbursement Rate*	300% Bonitas Rate	150% Bonitas Rate	100% Bonitas Rate	100% Bonitas Rate	100% Bonitas Rate
Provider	Any hospital	Any hospital	Any hospital	Any hospital	Prime Cure Hospital Network

Chronic Benefits
Chronic benefits cover medicine for conditions that require medication on an ongoing basis. Subject to pre-authorisation by Chronic Medicine Management.

BonComprehensive	BonSave	Standard	Primary	BonCap
Unlimited 63 conditions Comprehensive Formulary	Prescribed Minimum Benefits only at Designated Service Provider (26 conditions)	R6 500 per beneficiary R13 000 per family 44 conditions Comprehensive Formulary	Prescribed Minimum Benefits only at Designated Service Provider (26 conditions)	Prescribed Minimum Benefits only at Designated Service Provider (26 conditions)
Any Pharmacy or Dispensing GP	Pharmacy Direct	Any Pharmacy or Dispensing GP up to limit PMBs unlimited at DSP	Pharmacy Direct	Prime Cure Network Pharmacy

Out of Hospital Benefits
Out of hospital benefits cover day to day medical expenses incurred out of hospital.

New Generation Options	Traditional Options	Low Cost Capitation
BonComprehensive & BonSave	Standard & Primary	BonCap
Savings account enables members to self-insure and manage their own out of hospital medical expenses. Unspent savings are carried forward with interest. An insured threshold benefit on BonComprehensive provides additional peace of mind for high out of hospital expenses.	Out of hospital expenses are insured via a flexible day to day benefit. Dental, optical, radiology and pathology benefits are provided in addition to the day to day benefit.	Out of hospital expenses are managed without financial limits by the Prime Cure GP.

* Reimbursement rate of healthcare practitioners in hospital e.g. medical specialists