Bonitas Dubbed South Africa’s Most Generous Medical Aid
Bonitas has a stated aim to provide the country’s most generous medical aid benefits, along with “real value for money” for its members. The company caters for a cross section of the population from all walks of life, and of all ages.
Regarded as the largest “alternative open medical scheme” in South Africa, Bonitas has been around for more than three decades, and offers a healthy AA- global credit rating and excellent solvency rate.
Open medical schemes are open to all South Africans who are able to pay for membership, while restricted medical aids cater for specialist groups, including people who work in particular industries or who have certain qualifications.
Medical Aid Options from Bonitas
Recognising that people have different needs, Bonitas has seven medical plans, each offering its own solutions:
- BonComprehensive – the premium product from Bonitas, that has exclusive benefits for all ages
- BonClassic – defined as one of the company’s “most generous” options, this one offers superior hospital and day-to-day benefits
- Standard – a popular family option that is affordable but still offers top-quality benefits
- Primary – a product that focuses on routine health checks and emergencies, together with cover for legislated Prescribed Minimum Benefits (PMBs)
- BonSave – a flexible plan that incorporates savings, and also offers quite extensive cover for hospitals
- BonEssential – designed for healthy people and families who rely on medical aid cover for emergencies; the main thrust is quality hospital care at an affordable price
- BonCap – Bonitas’ entry-level medical aid option that gives members access to hospitals and network service providers; contributions are based on the income of pensioners
The Bonitas International Travel Benefit
Available as an extra with all medical aid options except BonCap, the Bonitas International Travel Benefit is operated by service provider,Europ Assistance SA. It is ideal in the event medical emergencies especially when travelling abroad, whether these emergencies require repatriation to South Africa, or treatment in a foreign country. Limited emergency dental treatment is also covered.
This international travel benefit does not cover any search and rescue operations that may be necessary if the member has been involved in sports activities; and it doesn’t cover sports that utilise parachutes.
There are also limitations in terms of pregnancy and childbirth.
Bonitas Managed Care and Risk Management
Bonitas has strategies and interventions in place to minimise its financial risk, for instance by identifying members who could become a high risk to the company – including those who suffer from diabetes, hypertension and other medical conditions.
Anyone who is diagnosed with a high or medium risk illness is assessed and enrolled in a programme to help improve their health, for instance by taking prescribed medicine regularly, by eating healthy food, exercising on a regular basis, and by generally making healthy lifestyle choices.
The Bonitas Back Rehabilitation Programme
This is a proactive and holistic managed-care programme that was developed to support the health – and ultimately the lives – of members who suffer from neck and back conditions. Those who qualify are invited to join the programme that offers clinically appropriate treatment that is also cost effective.
Ultimately the company’s aim is to help its members become and stay healthy.