Bonitas BonComplete:
in-and-out of hospital benefits (2025)

What's on this page:

This page has information on: Costs, In-hospital, Out of Hospital and Medicine benefits for Bonitas BonComplete.

Monthly Costs (2025)

(Other benefits: Costs | Inhospital | Out of hospital | Medication | Maternity | Cancer | Mental Health | Dentistry | Optometry | Other/Extra Benefits | Wellness | Prosthetics)

BonComplete 2025 prices
Main member: Adult member: Child member:
Total Cost pm:
  • R6,040
  • R4,838
  • R1,639
  • Only pay for 3 children
Savings:
  • R10,848
  • R8,688
  • R2,940
Self Payment Gap:
(What you need to pay out of pocket before you can access the "Above Threshold" benefit)
  • R2,260
  • R1,910
  • R495
"Above Threshold" benefit (ATB):
Additional cover the scheme makes available to you, once you've paid the self payment gap.
  • 6,010
  • 3,520
  • 1,540
Children Rates:
  • Up to 24yrs
  • Only pay for 3 children
Note:
  • 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
View all the other benefits for this plan:
In-hospital | Out-of-hospital | Medication | Maternity
Cancer | Mental Health | Dentistry | Optometry
Other/Extra Benefits | Wellness | Prosthetics

You can also:
Compare any two plans, side by side | View all the Bonitas plans, with costs and brief summary.

Find all other open medical aid plans here.
.

In-hospital Procedures (2025):

(Other benefits: Costs | Inhospital | Out of hospital | Medication | Maternity | Cancer | Mental Health | Dentistry | Optometry | Other/Extra Benefits | Wellness | Prosthetics)

Bonitas: BonComplete
Assume scheme pays all these costs, at 100% scheme rate, 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: Network hospital
  • Day procedure: Day network
Day Hospitals:
  • Must use Day Hospitals for certain procedures, or R2,720 penalty
Penalty for using other hospital:
  • Use of non-Network Hospital: 30% penalty
  • Use of non-Network Day Hospital: R2,720 penalty
 You don't pay a penalty if admission was unavoidable due an emergency
Other Co-payments:
  • Specialized radiology: R2,800 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: R30,430 per family, in and out of hospital
  • R2,800 co-payment, unless PMB
  • PET scans: PMBs only
No limits or co-payments for PMB level care and/or for emergency
Scopes: No limits or co-payments for PMB level care and/or for emergency
Supplementary Services: (Physio, etc)
  • 100% scheme rate
  • Physical rehabilitation: R64,680 per family
 No limits or co-payments for PMB level care and/or for emergency
Transplants:
  • 100% scheme rate
  • Corneal grafts:: R41,070
Dialysis:
  • Covered
Exclusions: Exclusions: .
  • Note: 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.
 * Treatment required for PMB level of care is always paid by scheme, if you follow the protocols. It cannot be excluded. More info here.

Alternatives to hospitals:
  • Alternatives to hospitalisation (hospice, step-down): R21,570 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
Casualty:
  • ER: 2 visits per family, paid by Bonitas
Other:
    Note:
    • PMBs: Prescribed Minimum Benefits. You can read more about PMBs, see a list of all PMB conditions or read more what "PMB only" benefit means.
    • 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
    View all the other benefits for this plan:
    In-hospital | Out-of-hospital | Medication | Maternity
    Cancer | Mental Health | Dentistry | Optometry
    Other/Extra Benefits | Wellness | Prosthetics

    You can also:
    Compare any two plans, side by side | View all the Bonitas plans, with costs and brief summary.

    Find all other open medical aid plans here.
    .

    Out-of-hospital Procedures (2025):

    (Other benefits: Costs | Inhospital | Out of hospital | Medication | Maternity | Cancer | Mental Health | Dentistry | Optometry | Other/Extra Benefits | Wellness | Prosthetics)

    Bonitas: BonComplete
    Assume scheme pays all these costs, at 100% scheme rate, unless otherwise stated
    Summary of day-to-day benefits:
    Main Member: Adult: Child:
    Savings:
    • R10,848
    • R8,688
    • R2,940
    Self Payment Gap:
    (What you need to pay out of pocket before you can access the "Above Threshold" benefit)
    • R2,260
    • R1,910
    • R495
    "Above Threshold" benefit (ATB):
    Additional cover the scheme makes available to you, once you've paid the self payment gap.
    • 6,010
    • 3,520
    • 1,540
    PMBs out of hospital:
    • 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.
    • See our Guide to PMBs for more information.
    General info:
    • This is a comprehensive plan: it has a savings fund, a self payment gap (that you pay out of your pocket when your savings are depleted) and a limited Above Threshold Benefit (which means that Bonitas pays for some more out of hospital claims, if you have paid the self payment gap and still have more claims)
    • Benefit Booster: Available after completing a wellness screening or online wellness assessment. R2,070 per family
    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
    • Paediatric consult: 2 consults for child under 1yr; 1 consult for child 1-2yr
    • GP consult: 1 consult per child 2-12yrs
    • 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:
    • From day-to-day benefit
    General radiology:
    • From day-to-day benefit
    Specialised radiology:
    • MRI and CT Scans: R30,430 per family, in and out of hospital, with a R2,800 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
    Scopes: No limits or co-payments for PMB level care and/or for emergency
    Supplementary Services: (Physio, etc)
    • From day-to-day benefit
    General Appliances:
    • From day-to-day benefit
    1.1. Hearing Aids:
    • R9,700 per device every 3 years, with a 10% co-payment
    • Two devices per person
    1.2. Wheelchairs:
    • See above
    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
    View all the other benefits for this plan:
    In-hospital | Out-of-hospital | Medication | Maternity
    Cancer | Mental Health | Dentistry | Optometry
    Other/Extra Benefits | Wellness | Prosthetics

    You can also:
    Compare any two plans, side by side | View all the Bonitas plans, with costs and brief summary.

    Find all other open medical aid plans here.
    .

    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.

    Medication Benefit (2025):

    (Other benefits: Costs | Inhospital | Out of hospital | Medication | Maternity | Cancer | Mental Health | Dentistry | Optometry | Other/Extra Benefits | Wellness | Prosthetics)

    Bonitas: BonComplete
    Assume scheme pays all these costs, unless otherwise stated
    Summary of day-to-day benefits:
    Main Member: Adult: Child:
    Savings:
    • R10,848
    • R8,688
    • R2,940
    Self Payment Gap:
    (What you need to pay out of pocket before you can access the "Above Threshold" benefit)
    • R2,260
    • R1,910
    • R495
    "Above Threshold" benefit (ATB):
    Additional cover the scheme makes available to you, once you've paid the self payment gap.
    • 6,010
    • 3,520
    • 1,540
    Chronic:
    • If you voluntarily use medicine that is not on Bonitas's list ("formulary"), you pay a 40% co-payment
    • Additional 4 conditions covered for children under 21yrs
    		 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:
    • R2,050 per family
    On Discharge:
    • R635 per person per admission
    Biological:
    • Cancer drugs: Subject to protocols
    • Non-Cancer: PMBs only
    		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
    View all the other benefits for this plan:
    In-hospital | Out-of-hospital | Medication | Maternity
    Cancer | Mental Health | Dentistry | Optometry
    Other/Extra Benefits | Wellness | Prosthetics

    You can also:
    Compare any two plans, side by side | View all the Bonitas plans, with costs and brief summary.

    Find all other open medical aid plans here.
    .

    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.


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