Which benefits will you not get in a Hospital Plan?

A hospital plan can be the cheapest way to afford a medical aid, but will not be suited to everyone’s needs. So what benefits does a hospital plan not cover that a comprehensive medical aid scheme does?

A visit to the doctor might not be covered on a hospital plan. Neither would it cover you for specialists such as gynaecologists and other specialists such as dentists. So, if you have small children who often need to see such specialists you might want to not take this health insurance option.

The people who really should take up a hospital plan are those that want to cover for a hospital stay in case of accidents or other hospital cases. Things such as prescription medicine will have to be paid straight out of pocket.

If you happen to stay in a hospital that does not fall within the group of hospitals where a hospital plan can be used, then you will most likely not be covered.

The best advice for someone who wants to take up a hospital plan is that they either are a young, single and healthy professional in an urban area like Johannesburg, Durban or any of the major cities in South Africa.

Understanding Hospital Plans

Are you struggling to find a Hospital Plan in South Africa, or exactly which one suits you? Before you ask for a Hospital Plan quote, find out what exactly is a Hospital Plan.

The reason why medical aid schemes in South Africa offer hospital plans is to help their members can have this option available to them were they to be admitted to the hospital so that services such as accommodation, consultation fees, procedure costs & medication, can be paid for. These are usually at lower rates compared to a comprehensive plan because they are pre-negotiated with hospitals, especially the big private hospitals, so as to lower hospital plan pricing.

But who are they designed for?

They are mostly for younger people who are much healthier and are not currently suffering from some chronic diseases, and you can compare medical aid schemes that will suit your current health status. Other benefits that medical aid schemes can include take-home medicine benefits, limited emergency casualty benefits and limited benefits for terminal care, alcohol and drug rehabilitation, organ transplants, physiotherapy, oncology, renal dialysis and others.

Bonitas Medical Scheme – Medical aid and Health Insurance plans

Bonitas provides healthcare products and services of exceptional quality to South Africans who care about the well-being of their families. Bonitas is involved in health-related topics, as seen on the Bonitas House Calls programme that has airs on SABC TV2 each Saturday morning for longer than the past six years, has proved both informative and helpful to many.

In 2011, Bonitas stepped up its efforts to educate the public, and in particular its membership, to matters of health with its sponsored feature articles published in the Mail & Guardian.

Bonitas is serious about your health needs! Bonitas Medical aid and Health Insurance plans:

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

BonComprehensive – New Generation
(Comprehensive plan)

With BonComprehensive you can expect unlimited consultations above a specified threshold. All Major Medical Expenses at 300% of the Bonitas Rate. Plus extremely generous benefits covering biological drugs and ophthalmology including refractive surgery. If you hate to compromise you’ll love BonComprehensive.

BonEssential – New Generation (Hospital Plan)

Looking for a good all-round hospital plan? BonEssential is the plan for you. Not only is it affordable and easy to understand, it also gives you more bang for your buck! Such as cover for PMB conditions.

BonSave – New Generation (Hospital Plan with Savings)

The BonSave option is full of choices, such as the flexibility of managing your day-to-day with a savings account. Your basic dentistry and supplementary benefits don’t affect your savings as it is paid from risk. BonSave is about saving money so that quality healthcare is as affordable as it can be.

Standard – Traditional (Traditional Option)

The Standard provides comprehensive hospital cover as well as generous day-to-day benefits. The Standard option means you can make full use of our GP network where you need not be out of pocket because you won’t be asked to make co-payments. Our standard option also has unlimited overall annual benefits and additional chronic medicine benefit. Not forgetting basic and advanced dentistry, Optometry, and Supplementary benefits paid from risk.

Primary – Traditional (Traditional Option)

If affordable healthcare is your primary concern, then our Bonitas Primary option is for you. Provided you don’t need extensive chronic medication, you are covered for all major medical expenses at 100% of our rate, with an annual limit of R1 million and day-to-day benefits. Primary is a healthy option for healthy individuals.

BonCap – Capitation

This option is ideal for those looking for a more fundamental type of cover. If you are happy to see a preferred provider through our network of practitioners, there are many cost-saving benefits that will come your way. The network will provide cover at 100% of our Primecure rates and this includes medical expenses incurred while in hospital, as well as any major medical event. For value-based cover, BonCap caps it all.