Bonitas medical fund review 2022

Bonitas Medical Fund
Type Private
Sector Customer Discretionary
Industry Commercial Services
Fouded 1982
Products Hospital plans, Medical Aid
Address 37 Conrad Drive
South Africa
Phone 27 86 000 2108
Website www.bonitas.co.za

Bonitas Medical Fund is a medical insurance company based in Pretoria, South Africa. The company was founded in 1982 and has continued to flourish since then. In 2011, the company had 610 000 beneficiaries; by 2020, it would have 730 000 beneficiaries. During this time, the company’s reserves climbed from R2.3 billion to R4 billion. In South Africa, Bonitas serves customers in 31 industries. Bonitas is the 181st best company in Africa, according to the Ask Africa Orange Index.

Bonitas is generally regarded as a fantastic firm, with medical schemes such as MediHelp, but it also received a 4.9 index point on the overall customer satisfaction index. Bonitas has about 280 000 medical health insurance customers. Kumba Iron Ore, Anglo American, Telkom, and the local government are among its most important clients.

Plans offered by Bonitas medical fund

1. Primary plan

The primary plan’s contributions begin at R2 429 pm for the main member, with further child and adult contributions beginning at R773 pm and R1900pm, respectively. You have access to limitless hospitalization and GP and expert appointments. R13 260 is given to each family member for MRI and CT scans. Each family member can claim up to R32 130 for internal prosthesis. GP visits, specialist visits, x-rays and ultrasounds, blood tests, and acute medicine are all covered by the day-to-day benefit, which ranges from R2 660 to R6 510 per year. Over-the-counter medication is restricted to R500 per family member and R1 460 per household. The plan covers general medical appliances, and a family can spend up to R7 030 on them.

2. Primary Select Plan

You can use any hospital in South Africa with the Primary Select Plan. The main member installments start at R2 429, with an extra price of R1 900 and R773 for additional adults and children, respectively. For hospital stays, unlimited GP and expert appointments are available. You can spend up to R6 510 every year on GP and specialist consultations if you are not in the hospital. The amount that can be spent on blood tests, acute medicine, X-rays, and ultrasounds is limited to R6 510.

For cancer treatment, each family might receive up to R165 500. You can spend up to R390 on medication during each hospital stay. Your family will receive R50 600 for physical rehabilitation. Your family is eligible for up to R7 030 in general medical equipment. These sums are distributed once a year.

3. Standard Plan

With the Bonitas Standard plan, you get better hospital and out of hospital benefits than the primary plan. As the main member, your monthly instalment starts from R3 888. Should you wish to add an adult, you will need to pay a minimum of R3 371 and R1 140 if you add a child.

Hospital cover and GP and specialist consultation while in a hospital are unlimited. For internal and external prostheses you family can use up to R45 090 per year. Cover for mental hospitalisation is for up to R40 600 per family.

Out of hospital benefits include:

  • GP consultation for the amount of up to R7 870.
  • Specialist consultation, x-ray and ultrasound, blood test and acute medication cover up to R12 420 in costs.
  • Over the counter medication cover of up to R790 per member and R2 400 per family
  • Hearing aid cover of R16 320 for every 5 years.
  • Chronic benefits of up to 45 chronic conditions. Cover for each member is R9 800 and R19 670 per family.

4. Standard Select Plan

With the Standard Select plan, you can save up to 15% if you choose to use Bonitas hospital networks. Monthly instalments for the main member starts from R3 368. The main member can add an adult by contributing at least R 2 914 and R986 for a child.

In- hospital benefits for the Standard Select include :

  • Usage of hospital networks
  • Unlimited cover for a hospital stay
  • You receive unlimited GP and specialist consultation
  • A family cover of R283 300 for Cochlear implants
  • Mental health hospitalization cover of R40 600 per family.
  • Take home medical cover of R475 per hospital stay
  • A physical rehabilitation cover of R50 600 per family.
  • Cancer treatment cover of R344 500 per family.

5. BonFit Select Plan

Same as the Standard Select plan you can save up to 15% when choosing this option since you will be using Bonitas network hospitals. Contribution from the main member starts from R2 152. An additional adult will cost R1 668 while a child will cost R645.

In – hospital benefits for the BonFit Select Plan:

  • Use of hospital network
  • Unlimited GP and specialist consultation and blood tests and X-rays
  • Unlimited kidney dialysis, organ transplant and HIV treatment.
  • Cancer treatment cover of R344 500
  • Take home medicine of R390 per hospital stay
  • Physical rehabilitation of R50 600 per family
  • Mental hospitalisation cover of R32 210 per family

Out of hospital benefits for the BonFit Select Plan:

  • GP and specialist consultation, acute medicine, x-ray and ultrasound, and blood tests paid from available savings.
  • Paramedical, general medical appliances and optometry costs paid from available savings.

6. BonComprehensive

BonComprehensive cover starts from R7 207 for the main member’s instalments. An adult can be added for an additional R6 797. The main member can add a child on BonComprehensive for R1 467. With BonComprehensive you save on contributions and self-payment for Gap fees.

In – hospital benefits for the BonComprehensive plan:

  • Unlimited hospital stay.
  • Unlimited GP and specialist consultation.
  • Internal never stimulators cover of R168 900 per family.
  • Cochlear implants cover of R283 300 per family.
  • Cancer treatment cover of R618 500 per family. R245 400 can be used for specialised drugs.
  • Non-cancer specialised drugs cover of R200 100 per family.
  • Unlimited kidney dialysis, organ transplant and HIV/Aids treatment.

Other plans from Bonitas Medical Insurance

Other plans from Bonitas include savings plans namely BonSave, BonComplete and BonClassic. Hospital plans include hospital Standard, BonEssential and BonEssential Select. Savings plans offer plans with less cover amounts and benefits. Hospital plans are only for hospitalization and normally cover hospital expenses.


By providing affordable health insurance, Bonitas Medical Fund is saving hundreds of thousands of lives. Without any sacrifices, the company has served over 730 000 beneficiaries. Bonitas has managed to meet a variety of medical demands by offering a number of programs. Bonitas has it all covered with a product portfolio that includes hospital plans, savings plans, and comprehensive plans.

Bonitas medical fund review 2022

Lethabo Ntsoane

Lethabo Ntsoane holds a Bachelors Degree in Accounting from the University of South Africa. He is a Financial Product commentator at Rateweb. He is an expect financial product analyst with years of experience in reviewing products and offering commentary. Lethabo majors in financial news, reviews and financial tips. He can be contacted at [email protected]

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