Bonitas Medical Aid Plans Offer Real Value for Money
March 31, 2015
Bonitas Medical Aid plans are affordable and benefit-rich, aiming to give members real value for money.
South Africa’s second largest open medical scheme, Bonitas has an AA- global credit rating, a 33.3% solvency ration, and a reported R3,3-billion in reserves.
The medical scheme reports that they pay out almost all members’ claims on Bonitas Medical Aid plans in full. On average, they pay out 93% of claims. Bonitas Medical Aid plans also offer the largest national general practitioner (GP) network available. You get to choose from more than 5,500 doctors nationwide.
If you have a large family you get additional benefits. For instance, members with more than three children don’t have to pay for the fourth or subsequent child. Also, “children” aged less than 24 who are still studying full time at a recognised university or college qualify for cover as children.
There are seven different Bonitas Medical Aid plans available, all of which cater to the different needs of members, as well as varying size of families.
The Seven Bonitas Medical Aid Plans
BonComprehensive is the most comprehensive of all the Bonitas Medical Aid plans. It has exclusive benefits that are also extensive and cater for all ages. This is definitely the medical scheme’s elite option.
BonClassic is the most generous Bonitas option with superior benefits at an affordable rate that is less than the BonComprehensive plan’s cost. The plan covers both in-hospital and out-of-hospital costs, together with a number of top-quality, superior benefits.
The Standard Option is the best of the Bonitas Medical Aid plans for family cover. Rates are affordable, and members get both in- and out-of-hospital cover that is of a very high standard. There is a savings too, and you can use these as you choose to.
More Affordable Bonitas Options
The Primary Option is an excellent choice from Bonitas Medical Aid plans for those who want to be sure they have cover for emergencies as well as for routine healthcare and regular check-ups. This option also provides cover for Prescribed Minimum Benefits( PMB) when required. You have cover for the fourth and subsequent child in the family free of charge.
BonSave is probably the most flexible of the Bonitas Medical Aid plans, giving members the ability to decide how the saving package should be used. It provides extensive hospital cover, and gives members the ability to customise their cover. The plan includes chronic cover for PMBs.
BonEssential is for healthy families and people who generally only need emergency medical cover. It is another of the Bonitas Medical Aid plans that has PMB cover, and also offers good quality hospital cover. Like the Primary Option, the fourth and subsequent child in the family get cover free of charge.
BonCap is regarded as the Bonitas Medical Aid plans’ entry-level product. It gives members access to hospitals and medical providers that belong to the Bonitas network, in this way making healthcare affordable for low-income people, including pensioners. Monthly fees are based on monthly income, so the less you earn, the less you pay for your medical aid plan.
All info was correct at time of publishing