Bonita Medical Aid
Bonita medical aid focuses solely on the healthcare needs of its members making it a top medical aid in South Africa. Even if you’re fit and healthy there is always the possibility of falling ill or having an accident and requiring hospitalisation so it is essential that you choose a good healthcare plan.Medical aid cover need not be a luxury though and there are options of affordable medical aid in South Africa that are sure to suit your needs and pocket.
Deciding the type of healthcare you require
There are a number of things to consider when deciding what type of healthcare needs you require. When researching medical aid schemes you should also have a look at any supplementary or value added benefits on offer which sometimes make for a more affordable medical aid plan.
Take a look at major medical cover which provides cover for costs that may be suffered during hospitalisation or major medical events. Bonita medical aid covers hospital fees in full and admission is typically subject to pre-authorisation unless it is an emergency.
Four of the five plans the scheme offers deliver unlimited cover for major medical benefits but the Primary plan has a limit of R1 000 000 per family yearly.
Prescription and treatment
The scheme’s chronic benefit applies to medication for conditions that demand on-going prescription and treatment. The various plans offer diverse limits with BonEsential, BonSave and Primary plans allowing for PMBs at designated service providers and the Standard plan placing a limit of R6 900 per person.
Acquiring cover for chronic medicine can make medical aid affordable as you won’t be required to pay out extra for the medication.
Out of Hospital Benefits cover any day-to-day expenses that can be suffered out of hospital such as dentistry or GP visits.
The schemes plans
Some of the scheme’s plans allow for a savings account for such costs which means that members can manage their own out of hospital costs. Funds allocated for the year that are not utilised are carried over to the following year.
The Standard and Primary plans offer a traditional type of cover whereby out of hospital care is synchronized by the GP on the Bonitas GP Network to safeguard that further fees are not incurred.
The Primary plan is perfect for members who do not need chronic medication at this stage but do want peace of mind cover for major medical expenses.
The annual limit for the plan is R1 million and there is cover for day-to-day benefits. Cover is further included for items such as GP and specialist visits, radiology and more.
The Standard plan delivers comprehensive cover along with day-to-day benefits and members can make full use of the GP Network. The plan has unlimited benefits and a few more chronic medication benefits too.
Bonitas’ BonSaveplan allows for flexibility in managing the day-to-day benefits with use of the savings account. The BonEssential hospital plan is also flexible and just one of the reasons Bonitas presents as one of the top medical aids in South Africa.
The plan fully covers hospitalisation and PMB conditions are also provided for as are certain supplementary benefits in or out of hospital. The Comprehensive plan offers complete cover with unlimited consultations and impressive cover for any major medical expenses.
Bonitas medical aid offers a good range of options to suit an individual’s needs and budget as well as providing attractive incentives for their members.