• Bonitas Plan, in-hospital, rehealth

Bonitas BonCore:
in-and-out of hospital benefits (2026)

Contents:

This page has overview information on: Costs, In-hospital, Out of Hospital and Medicine benefits for Bonitas BonCore. Please consult and verify with the scheme or your broker for full benefits, and an explanation of all the "fine print".

Terminology:

  • 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 Providers. Where stipulated, you must use 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 schemes have extensive exclusions. We've tried to list the non-common ones here, but please consult your scheme or broker to get the full list.

Monthly Costs (2026)

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

Bonitas:Boncore (2026)
Main member: Adult member: Child member:
Total Cost pm:
  • R1,275
  • R1,275
  • R1,275
Savings:
  • No savings account option on this plan
  • The scheme might still cover some or all day-to-day claims. See below, and see benefits.
Children Rates:
  • Up to 24yrs
  • Only pay for 3 children
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In-hospital Procedures (2026):

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

Bonitas: Boncore
Assume scheme pays all these costs, at 100% scheme rate, unless otherwise stated
GPs and Specialists:
  • network Specialists and GPs: Paid in full
  • non-network Specialists and GPs: 70% scheme rate
Gap Cover:
Can push payout up to 700% scheme rate
(Plans coming soon)
Hospital Choice:
  • Long stay: Network Hospital
  • Day procedure: Day network
Penalty for using other hospital:
  • Use of non-network long stay hospital: R14,680 penalty
  • Use of non-network Day Hospital: R14,680 penalty
 Gap Cover:
Can cover the penalty in full
(Plans coming soon)
Co-payments:
  • R5,500 co-payment per admission, except for motor vehicle accidents, maternity confinements and emergency treatment
R5,550 co-payment
  • Arthroscopy
  • Laparoscopic hysterectomy (except cancer and PMBs)
    • Note:
    • If you use a DSP (designated service provider), you never have to pay a co-payment for protocol treatment of a PMB (Prescribed Minimum Benefit). More info here
    • There might be other co-payments, especially if you don't use a DSP for a PMB or when buying medicine.
    		 Gap Cover:
    Can cover most co-payments
    (Plans coming soon)
    Specialised Radiology:
    • PMBs only
    		 Gap Cover:
    Can cover most co-payments and increase sublimits
    (Plans coming soon)
    Scopes: Gap Cover:
    Can cover most co-payments and increase sublimits
    (Plans coming soon)
    Supplementary Services: (Physio, etc)
    • PMBs only
    >
    Transplants:
    • PMBs only
    Dialysis:
    • Covered
    Exclusions:
    • Back and neck surgery
    • Joint replacement surgery
    • C-sections for non-medical reasons
    • Functional nasal and sinus surgery
    • oesophalgeal reflux and hiatus hernia
    • Nail disorders
    • Knee and shoulder surgery
    • Skin disorders
    • Varicose vein surgery
    • Hernia repair surgery
    • Laparoscopic surgery
    • All endoscopies
    • Bunion surgery
    • In-hospital dental surgery
    • NB: See scheme's rules for all exclusions. All schemes have plenty!
    		 Gap Cover:
    Coming soon
    Alternatives to hospitals:
    • PMBs only
    Casualty/ER:
    • ER: 2 visits per family, paid by Bonitas
    		 Gap Cover:
    Can cover ER claims
    (Plans coming soon)
    Other:
    PMBs = Prescribed Minimum Benefits (more info) | DSP = Designated Service Provider

    Out-of-hospital Procedures (2026):

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

    Bonitas: Boncore
    Assume scheme pays all these costs, at 100% scheme rate, unless otherwise stated
    Main Member: Adult: Child:
    Savings (per year):
    • No savings account option on this plan
    • The scheme might still cover some or all day-to-day claims. See below, and see benefits.
    Other Day-to-Day Funds:
    • Benefit Booster: R1,000 per family and use for out of hospital claims like GP consult(s), OTC medicine, etc
    • Available after completing a wellness screening and mental health assessment.
    PMBs out of hospital:
    • All schemes 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.
    • PMB benefits must never be paid from your savings account.
    • 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.
    GP consultations:
    • Virtual consults: Unlimited
    • GP face-to-face: 3 consults per person
      These procedures paid for if done in GPs' rooms:
    • Stiching of wound
    • Drainage of subcutaneous abcess
    • Limb cast
    • Removal of benign lesions
    • Excision and repair of minor wound
    • Removal f foreign body superficial
    • ECG with and without effort
    Childcare: . Gap Cover:
    Can pay for child ER visits
    (Plans coming soon)
    Specialist consultations:
    • PMBs only
    Pathology:
    • PMBs only
    General radiology:
    • PMBs only
    Specialised radiology:
    • PMBs only
    		 Gap Cover:
    Can pay co-payments and increase sublimits
    (Plans coming soon)
    Scopes: Gap Cover:
    Can pay co-payments and increase sublimits
    (Plans coming soon)
    Supplementary Services: (Physio, etc)
    • PMBs only
    General Appliances:
    • No benefit
    1.1. Hearing Aids:
    • No benefit
    1.2. Wheelchairs:
    • No benefit
    PMBs = Prescribed Minimum Benefits (more info) | DSP = Designated Service Provider

    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 (2026):

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

    Bonitas: Boncore
    Assume scheme pays all these costs, unless otherwise stated
    Main Member: Adult: Child:
    Savings (per year):
    • No savings account option on this plan
    • The scheme might still cover some or all day-to-day claims. See below, and see benefits.
    Other Day-to-Day Funds:
    • Benefit Booster: R1,000 per family and use for out of hospital claims like GP consult(s), OTC medicine, etc
    • Available after completing a wellness screening and mental health assessment.
    Chronic:
    • Addtional conditions covered: Depression, R165 per person per month
    • If you voluntarily use medicine that is not on Bonitas's list ("formulary"), you pay a 30% co-payment
    Acute (prescribed) medication:
    • No benefit
    Over-the-counter:
    • No benefit
    Birth Control:
    • No benefit
    On Discharge:
    • No benefit
    Biological:
    • PMBs only
    PMBs = Prescribed Minimum Benefits (more info) | DSP = Designated Service Provider

    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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