Exclusions: Note that all schemes have extensive exclusions. We've tried to list the major ones, but you must consult with your scheme to get the full list.
All treatments and procedures are subject to authorisation and protocols
All benefits are listed as an indication only. Please verify with your broker and scheme
Assume scheme pays all these costs, unless otherwise stated
non-Network Specialists:
100% scheme rate
Scheme rate is set by Bonitas
network Specialists:
100% scheme rate
non-Network GPs:
100% scheme rate
network GPs:
100% scheme rate
Hospital Choice:
Long stay: Any hospital
Day procedure: Day network
Day Hospitals:
Must use Day Hospitals for certain procedures
Penalty for using other hospital:
non-Network Day Hospital: R2,590 co-payment
You don't pay a penalty if admission was unavoidable due an emergency
Other Co-payments:
Specialized radiology: R2,500 co-payment
Dental admission: R2,500 - R5,000 co-payment
* There might be other co-payments if you don't use scheme-chosen provider for some services.
* Treatment required for PMB level care is always paid by scheme, with no co-payment, if you follow the protocols. That means that these co-payments might not apply in your case! More info here
Specialised Radiology:
MRI and CT Scans: R35,930 per family, in and out of hospital
R2,660 co-payment, unless PMB
No limits or co-payments for PMB level care and/or for emergency
Supplementary Services: (Physio, etc)
100% scheme rate
Physical rehabilitation: R61,480 per family
No limits or co-payments for PMB level care and/or for emergency
Transplants:
100% scheme rate
Corneal grafts: R39,040
Dialysis:
Covered
Exclusions:
* Treatment required for PMB level of care is always paid by scheme, if you follow the protocols. It cannot be excluded. More info here.
* All schemes have extensive exclusions. We've tried to list the major ones here, but please consult your scheme or broker to get the full list
Alternatives to hospitals:
Alternatives to hospitalisation (hospice, step-down): R20,500 per family
Palliative care (oncology): Unlimited, including hospice/private nursing, home oxygen, pain management, psychologists, social workers
Home-care: Home based care as alternative to general ward admission
All medical aids must pay for the diagnosis, treatment and management of all PMB conditions, in or out of hospital. You can see a full list of the conditions here.
This can include consults with specialists, blood or other tests, radiology and medicine
The benefit is paid by the scheme, and not out of your savings account
If you have no day-to-day funds, you still have cover for PMBs
Schemes usually impose the use of specific providers for treatment of PMBs. Read more about that here.
This plan has a savings fund, so some out of hospital costs are paid from this
Remember, out of hospital costs authorised as part of PMB treatment (eg. cancer, asthma or stroke) are always paid by the scheme, not out of savings.
Wellness Extender: Available after completing a wellness screening or online wellness assessment. Get R2,070 per family and use for out of hospital claims like : GP consult(s), OTC medicine, etc
GP consultations:
From day-to-day benefit
Treatment required for PMB conditions is always paid paid by scheme, with no co-payment, if you follow the protocols. More info here
Childcare:
Hearing screening: Newborns, in or out of hospital
Congenital hypothyroidism screening: Infants under 1 month old
Immunisations: Covered
Dentistry: Fissure sealants on permanent teeth for children under 16yrs
Specialists consultations:
From day-to-day benefit
Treatment required for PMB conditions is always paid paid by scheme, with no co-payment, if you follow the protocols. More info here
Pathology:
R3,860 per person and R8,540 per family, paid by scheme
Benefit shared with standard radiology
General radiology:
R3,620 per person and R8,020 per family, paid by scheme
Benefit shared with pathology
Specialised radiology:
R35,930 per family, in and out of hospital, with a R2,600 co-payment
Scans required for PMB level care are paid paid by scheme, with no co-payment, if you follow the protocols. More info here
Supplementary Services: (Physio, etc)
From day-to-day benefit
General Appliances:
From day-to-day benefit
1.1. Hearing Aids:
R9,200 per device every 3 years, with a 10% co-payment
Two devices per person
1.2. Wheelchairs:
From day-to-day benefit
Note:
PMBs: Prescribed Minimum Benefits. To read more about PMBs click here
DSPs: Designated Service Provders. Where stipulated, you must use specific specific providers to get full benefit.
Co-payment: Paid out of pocket, or out of savings account. Sometimes this is refundable to you if you have a gap product
All benefits, including gap benefits, are subject to treatments and procedures being authorised by medical scheme. The benefits listed here are an indication only. Please verify all benefits and their conditions with the scheme.
An additional 20 non-PMB conditions are covered on this plan
Overall limit: R14,050 per person and R29,040 per family. Once depleted, only PMBs will continue to be covered by scheme
If you voluntarily use medicine that is not on Bonitas' list ("formulary"), you pay a 40% co-payment
You might be required to use specific pharmacies and be limited to specific medicines
Acute (presrcibed) medication:
From day-to-day benefit
Over-the-counter:
From day-to-day benefit
Birth Control:
R1,950 per family
On Discharge:
R575 per person and max 7 days, per admission
Biological:
Oncology: R150,000, from oncology limit
Treatment that is required (by law) for PMB conditions is always paid paid by scheme, with no co-payment, if you follow the protocols. More info here.)
Note:
Schemes have very strict rules about where you can get your medicine to get full benefit. We do not list the requirements here, so confirm with your scheme before you collect your medicine.
Formulary: A pre-defined list of approved medicines. Each plan has a different list, and might not pay for non-listed medicine. Confirm with your scheme whether your required medicine is covered by them.
PMBs: Prescribed Minimum Benfits. To read more about PMBs click here
DSPs: Designated Service Provders. Where stipulated, you must use specific specific providers to get full benefit.
Co-payment: Paid out of pocket, or out of savings account. Sometimes this is refundable to you if you have a gap product
All benefits, including gap benefits, are subject to treatments and procedures being authorised by medical scheme. The benefits listed here are an indication only. Please verify all benefits and their conditions with the scheme.
A quick guide to how you can change your medical aid plan, including the resignation procedure, and things to look out for, such as imposed waiting periods from your new scheme
