Bonitas Product Range

In these times, affordable, quality health cover has become something of a necessity - rather than an option. Which is why our six solutions ensure you're well looked after. So whatever your particular need is, we're serious enough about it to have an answer in: BonComprehensive, BonEssential, BonSave, Standard, Primary and BonCap. Just say the word.

We have categorized our benefits into four main categories illustrated in the diagram below. When chosing your option, we would like you to consider your healthcare needs in respect of the three main benefit categories listed below. Once you have made your selection we encourage you to look at the option you have selected in more detail, considering also the supplementary benefits provided.

Major Medical
Covers medical expenses in hospital and major medical events

Chronic Medication
Covers medicine for conditions that require medication on an ongoing basis

Supplementary
Additional benefits, medical expenses incurred in or out of hospital

Out of Hospital
Covers out of hospital medical expenses

Major Medical Benefits
Major medical benefits cover medical expenses in hospital and major medical events. Hospital accounts are covered in full as per the negotiated rates between Bonitas and the major hospital groups. Hospital admission is subject to pre-authorisation by Hospital Benefit Management (HBM), except in the case of emergencies.

	BonComprehensive	BonEssential	BonSave	Standard	Primary	BonCap (Groups only)
Limit	Unlimited	Unlimited	Unlimited	Unlimited	R600 000 per family per annum	R500 000 per per annum family
Reimbursement Rate*	300% Bonitas Rate	200% Bonitas rate	150% Bonitas Rate	100% Bonitas Rate	100% Bonitas Rate	100% Bonitas Rate
Provider	Any hospital	Any hospital	Any hospital	Any hospital	Any hospital	Prime Cure hospital network

Chronic Benefits
Chronic benefits cover medicine for conditions that require medication on an ongoing basis. Subject to pre-authorisation by Chronic Medicine Management.

BonComprehensive	BonEssential	BonSave	Standard	Primary	BonCap (Groups only)
Unlimited 64 conditions Comprehensive Formulary	Prescribed Minimum Benefits only at Designated Service Provider (26 conditions) Restrictive Formulary	Prescribed Minimum Benefits only at Designated Service Provider (26 conditions)	R6 500 per beneficiary R13 000 per family 45 conditions Comprehensive Formulary	Prescribed Minimum Benefits only at Designated Service Provider (26 conditions)	Prescribed Minimum Benefits only at Designated Service Provider (26 conditions) Prime Cure Medicine Formulary
Any Pharmacy or Dispensing GP	Pharmacy Direct	Pharmacy Direct	Any Pharmacy or Dispensing GP up to limit PMBs unlimited at DSP	Pharmacy Direct	Prime Cure hospital network

Out of Hospital Benefits
Out of hospital benefits cover day to day medical expenses incurred out of hospital.

New Generation Options

Traditional Options

Low Cost Capitation

BonComprehensive	BonEssential	BonSave
A savings account enables members to self-insure and manage their own out of hospital medical expenses. Unspent savings are carried forward with interest. An insured threshold benefit provides additional peace of mind for high out of hospital expenses.	There is no savings account attached to the BonEssential option in order to minimize the total contribution required. Dental benefits are however insured by the scheme.	A savings account enables members to self-insure and manage their own out of hospital medical expenses. Unspent savings are carried forward with interest.

Standard

Primary

Out of hospital care is coordinated through your general practitioner (GP). Visiting a GP contracted on the Bonitas GP Network ensures that you will not be charged anything in excess of the Bonitas Tariff. Acute medication, radiology and pathology etc. prescribed by your doctor is available from your Day to Day Benefit. Specialist consultations are also payable from this benefit if referred by your GP.

BonCap (Groups only)

Out of hospital expenses are managed without financial limits by the Prime Cure GP.

* Reimbursement rate of healthcare practitioners in hospital e.g. medical specialists