Bonitas Hospital Plan

Bonitas is one of the most trusted and largest medical aid schemes in South Africa. They offer a great selection of medical health products to South Africans, and one of them is the Bonitas Hospital Plan.

Hospital plans are a great way for those who are unable to afford a comprehensive medical aid (or prefer just not to have one), and those without, to have some health coverage specifically for cases where an unfortunate event such as a medical emergency, an accident or illness, leads you to be hospitalized. Hospitals are very expensive, and even for the most rudimentary of stays, you would most likely pay thousands of rand. The benefits in some of the best hospital plans in South Africa work to ensure that you’re able to be taken care of by the best doctors and nurses and not have to worry about how you will be able to afford such hospital care.

The Bonitas Hospital Plan benefits:

  • Unlimited hospital cover
  • 100% Cover, unlimited amount, covered at 100% of the Bonitas Rate / Network doctors cover for General Practitioner/Specialist consultations
  • 100% Cover, unlimited amount, of blood test and x-rays, at Bonitas rates
  • R24 860 per family for MRIs and CT scans (specialized radiology), applicable for both in and out of hospital
  • 100% Cover, unlimited amount, of Paramedical/Allied medical professionals (such as physiotherapists, occupational therapists, dieticians, and biokineticists)
  • R42 100 per family (PMB only for external prostheses), for Internal and external prostheses
  • R30 680 per family for mental health hospitalization and consultations
  • R445 take-home medication per hospital stay
  • R47 250 per family for physiotherapy/physical rehabilitation
  • R15 760 per family for hospices and step-down facilities (alternatives to Hospitals)
  • Unlimited terminal care
  • R328 100 per family for cancer treatment
  • Organ transplants benefits are unlimited
  • Unlimited kidney dialysis treatment
  • Unlimited HIV/AIDS medication if registered on Bonita’s HIV/AIDS programme
  • One wellness screening (Blood pressure, glucose, cholesterol, body mass index and waist-to-hip ratio) per beneficiary

NB: The above benefits are for when you are admitted to a hospital unless otherwise stated that it is IN and Out of hospital. These are the stated benefits for 2018

Bonitas Hospital Plan Pricing for 2018

The monthly contribution towards your hospital plan, with dependents if so desired, for the year 2018:

  • Main Member: R 1 830
  • Per adult dependent: R 1 543
  • Per child dependent: R 696 (4th and subsequent child dependents are covered for free)

Contact details:

 
Hospiral Authorisations and Admissions
Tel 0860 002 108
Fax 0860 002 145
Email hospital@bonitas.co.za

Call to get more information about this Hospital Plan
General Queries
Tel 0860 002 108
Email queries@bonitas.co.za

Or get to one of Bonita’s walk-in centers
Bonitas Bloemfontein
Bonitas Cape Town City Center
Bonitas Cape Town Belville
Bonitas Durban
Bonitas Johannesburg CBD
Bonitas Kathu
Bonitas Kimberley
Bonitas Klerksdorp
Bonitas Lephalale
Bonitas Nelspruit
Bonitas Polokwane
Bonitas Port Elizabeth
Bonitas Pretoria
Bonitas Roodepoort
Bonitas Rustenburg
Bonitas Secunda
Bonitas Vereeniging

Compare Competitive Insurance Quotes from South Africa

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Insurance quotes are a dime a dozen in South Africa, with so many insurance companies offering home insurance, car insurance, home contents insurance, life insurance, funeral cover, scratch and dent cover, and even medical cover, you’re bound to have more time than enough to compare.

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The Essential Medical Boost Healthcare Insurance Policy

The Boost healthcare insurance plan and policy option are ideal for an individual or family looking for comprehensive day-to-day healthcare benefits and private hospital cover in the event of any illness, disease, accident, maternity or emergency related event. It also provides increased insurance benefits in the case of permanent disability or death.

The Boost policy option is available as:

  • Hospital cover only
  • Comprehensive (both Day-to-day benefits and hospital cover)
Benefits Hospital cover only Comprehensive
Illness hospitalisation Day 1 – R6 500 Day 1 – R6 500
Day 2 – R4 500 Day 2 – R4 500
Day 3 – R4 500 Day 3 – R4 500
Day 4 onwards R1 500 Day 4 onwards R1 500
Maternity hospitalisation benefits Day 1 – R6 500 Day 1 – R6 500
Day 2 – R4 500 Day 2 – R4 500
Day 3 – R4 500 Day 3 – R4 500
Day 4 onwards R1 500 Day 4 onwards R1 500
Dread disease R9 000 is payable per day with an annual limit of R250 000 R9 000 is payable per day with an annual limit of R250 000
Accident hospitalisation Up to R200 000 / individual and R400 000 / family Up to R200 000 / individual and R400 000 / family
Permanent disability benefit R250 000 Principal and spouse/partner R250 000 Principal and spouse/partner
Emergency rooms / Casualty visits (Accident events only) R6 000 annually R6 000 annually
Death benefit – principal only R15 000 R15 000
General practitioners unlimited
Emergency / out of network visits included
Maternity benefits included
Acute medication unlimited
Chronic medication unlimited
Basic dentistry included
Optometry included
Radiology unlimited
Pathology unlimited

Essential Plus is included in all Boost options.

New clients:

0860 900 900 or clientservices@essentialmed.co.za

Existing clients:

0861 70 70 70 or clientservices@essentialmed.co.za

Email us on:

General inquiries: clientservices@essentialmed.co.za
All claims: claims@essentialmed.co.za

Essential Medical Balance healthcare insurance plan and policy option

The Balance healthcare insurance plan and policy option are ideal for an individual or family living a balanced life in need of reliable, qualitative day-to-day healthcare benefits and private hospital cover.

Healthcare insurance to ensure quality care in the event of any illness, disease, accident, maternity or emergency related event. It also provides substantial insurance benefits in the case of permanent disability or death.

Benefits Hospital cover only Comprehensive
Illness hospitalisation Day 1 – R6 500 Day 1 – R6 500
Day 2 – R4 500 Day 2 – R4 500
Day 3 – R4 500 Day 3 – R4 500
Day 4 onwards R1 500 Day 4 onwards R1 500
Maternity hospitalisation benefits Day 1 – R6 500 Day 1 – R6 500
Day 2 – R4 500 Day 2 – R4 500
Day 3 – R4 500 Day 3 – R4 500
Day 4 onwards R1 500 Day 4 onwards R1 500
Dread disease R9 000 is payable per day with an annual limit of R185 000 R9 000 is payable per day with an annual limit of R185 000
Accident hospitalisation Up to R125 000 / individual and R250 000 / family Up to R125 000 / individual and R250 000 / family
Permanent disability benefit R250 000 Principal only R250 000 Principal only
Emergency rooms / Casualty visits (Accident events only) R4 000 annually R4 000 annually
Death benefit – principal only R10 000 R10 000
General practitioners unlimited
Emergency / out of network visits included
Maternity benefits included
Acute medication unlimited
Chronic medication unlimited
Basic dentistry included
Optometry included
Radiology unlimited
Pathology unlimited

Essential Plus is included in all Balance options.

New clients:

0860 900 900 or clientservices@essentialmed.co.za

Existing clients:

0861 70 70 70 or clientservices@essentialmed.co.za

Email us on:

General inquiries: clientservices@essentialmed.co.za
All claims: claims@essentialmed.co.za

the essential medical basic healthcare insurance policy

Basic Healthcare Insurance Policy

Their Basic healthcare insurance plan and policy option are ideal for a healthy, active individual or family looking for reliable, qualitative day-to-day healthcare benefits and hospital cover in the event of an accident or emergency as well as insurance benefits in the case of permanent disability or death.

Within that you are able to have these options:

  • Day-to-day healthcare benefits only
  • Hospital cover only
  • Comprehensive (both Day-to-day benefits and hospital cover

The benefits are tabled below

Benefits Day-to-day benefits only Hospital cover only Comprehensive
Illness hospitalisation
Maternity hospitalisation benefits `
Dread disease
Accident hospitalisation Up to R75 000 per incident (max 2 events per annum) Up to R75 000 per incident (max 2 events per annum)
Permanent disability benefit R200 000 Principal only R200 000 Principal only
Emergency rooms / Casualty visits
(Accident events only)
R2 000 annually R2 000 annually
Death benefit – principal only R5 000 R5 000
General practitioners unlimited unlimited
Emergency / out of network visits included included
Maternity benefits included included
Acute medication unlimited unlimited
Chronic medication unlimited unlimited
Basic dentistry included included
Optometry included included
Radiology unlimited unlimited
Pathology unlimited unlimited

Essential Plus is included in all Basic options.

Essential Medical’s contact details are:

New clients:

0860 900 900 or clientservices@essentialmed.co.za

Existing clients:

0861 70 70 70 or clientservices@essentialmed.co.za

Email us on:

General inquiries: clientservices@essentialmed.co.za
All claims: claims@essentialmed.co.za

SPECTRAMED medical aid scheme

SPECTRAMED medical aid scheme uses what they call Next Generation healthcare cover, that combines traditional/hybrid and savings medical schemes. In 2011, SPECTRAMED paid almost R700 million in member claims. SPECTRAMED’s call centre answers over 90% of calls within 20 seconds. They have over 50 years of professional experience.

Here is a list of SPECTRAMED products:

SPECTRA Azure

SPECTRA Azure is regarded as SPECTRAMED’s most popular option, as it offers unlimited in-hospital tariff coverage, plus dentistry and other day-to-day expenses.

As a prime choice in providing value-for-money benefits, it is ideal for the young family with youngsters that are seeking adequate, yet affordable cover.

Download the PDF for SPECTRA AZURE 2012

 SPECTRA Cobalt

SPECTRA Cobalt is the number one choice for all members, as it offers the most generous benefits of all the SPECTRAMED options.

It is designed to cater for members who seek comprehensive coverage regarding healthcare, hospital and all general medical expenses.

Download the PDF for SPECTRA COBALT 2012

SPECTRA Capri

SPECTRA Capri appeals to the healthier member but is also thoroughly reliable regarding comprehensive hospital cover.

Various additional benefits are included as well, ensuring your complete peace of mind for all your hospital expenses.

Download the PDF for SPECTRA CAPRI 2012

SPECTRA Cyan

SPECTRA Cyan is considered the best value-for-money option and has proven to be very popular among the younger and healthier members.

With an overall limit that covers major medical expenses, as well as several of those day-to-day basics, it is regarded by many members as our most cost-effective option.

SPECTRA CYAN 2012

SPECTRA Aqua

SPECTRA Aqua is known as the perfect option for first-time healthcare buyers, or members who are seeking pure in-hospital cover.

It features an overall annual limit that is based on the number of beneficiaries and appeals to the healthy member who does not require any out-of-hospital provision.

SPECTRA AQUA 2012

Why should you join SPECTRAMED?

  1. SPECTRAMED is a Next Generation™ medical scheme.
  2. SPECTRAMED provides unique benefit options for your unique healthcare requirements.
  3. SPECTRAMED medical scheme surpasses half a century of healthcare cover experience.
  4. SPECTRAMED has a strong and stable solvency ratio.
  5. SPECTRAMED is a medical scheme for members, managed by members.

Here are their contact details:

Call Centre Number:

0861 SPECTRA (0861 773 2872)

Call Centre Number:

0861 497 497

Fax:

0861 492 492

Call Centre Number:

0861 000 319

Call Centre Number:

0800 773 2872 (0800 SPECTRA)

Call Centre Number:

0860 102 474

Call Centre Number:

0860 90 60 90

Call Centre Number:

0800 773 2872 (0800 SPECTRA)

Bestmed medical aid scheme products

Bestmed has been around for over 48 years in South Africa and is considered one of the Medical Aid Schemes.

Compare which Bestmed medical aid scheme product and Bestmed options best suits you and your loved ones.

Beat1

  • Comprehensive hospital benefits
  • Chronic medicine for Chronic Disease List (CDL) conditions
  • Preventative care benefits
  • Wellness Management Programmes
  • International Travel Cover

Guides and Letters

Benefit Guide English / Afrikaans
Chronic Letters English / Afrikaans
Member Letter English

Beat2

  • Comprehensive hospital benefits
  • Out-of-hospital medical expenses covered from a medical savings account
  • Chronic medicine for Chronic Disease List (CDL) conditions
  • Preventative care benefits
  • Wellness Management Programmes
  • International Travel Cover

Guides and Letters

Benefit Guide English / Afrikaans
Chronic Letters English / Afrikaans
Member Letter English

Beat3

  • Comprehensive hospital benefits
  • Out-of-hospital medical expenses covered from a medical savings account
  • Chronic medicine for Chronic Disease List (CDL) conditions
  • Cover for non-CDL chronic medicine
  • Preventative care benefits
  • Wellness Management Programmes
  • International Travel Cover

Guides and Letters

Benefit Guide English / Afrikaans
Chronic Letters English / Afrikaans
Member Letter English

Bonus Plus

This option caters for large families and has a holistic approach in terms of benefits. Granting of the day–to–day benefits are subject to an overall annual limit of R6 000 (single member) or R12 000 (family) and service-specific sub-limits as indicated in this benefits summary.

2011  
Benefit Guide English / Afrikaans
Chronic Letters English / Afrikaans
Member Letter English

Best Gold

Best Gold provides a wide range of cover at an affordable premium. It offers hospitalisation with competitive cover for a general practitioner and specialist consultations, chronic medication, dentistry and auxiliary benefits.

2011  
Benefit Guide English / Afrikaans
Chronic Letters English / Afrikaans
Member Letter English

Millennium Comprehensive

Members can enjoy the luxury of unlimited hospitalisation benefits as well as life-sustaining medicine cover, with individual medical savings account equal to 15% of the total annual contribution. This option also provides for above–threshold benefits after the annual threshold has been reached.

2011
Benefit Guide English / Afrikaans
Chronic Letters English / Afrikaans
Member Letter English

Topcare

Topcare is the most extensive option with a preventative care approach. This option provides for unlimited hospitalisation cover and treatments such as advanced dentistry, radiology, pathology, hearing aids as well as international travel cover. Topcare also includes individual medical savings account equal to 20% of the total annual contribution.

2011  
Benefit Guide English / Afrikaans
Chronic Letters English / Afrikaans
Member Letter English

Best Platinum

BEST Platinum rivals the very best cover currently available in the healthcare market. It encompasses extensive benefits such as hospitalisation, general practitioner and specialist consultations as well as dental, optical, medicine and auxiliary benefits.

2011
Benefit Guide English / Afrikaans
Chronic Letters English / Afrikaans
Member Letter English

Best Gold Select

BEST Gold Select benefits are affordable, well structured and allow access to a wide range of medical providers. The option provides access to healthcare services through contracted provider networks and delivers day–to–day benefits as well as hospitalisation in a controlled managed healthcare environment.

2011  
Benefit Guide English / Afrikaans
Chronic Letters English / Afrikaans
Member Letter English

Blueprint

Blueprint is a capitation product that offers a wide range of benefits, such as 100% hospitalisation. This option also provides for unlimited primary healthcare services received from the chosen network, namely Primecure.

Bestmed contact details

Block A, Glenfield office park, 361 Oberon Avenue, Faerie Glen, Pretoria 0081, South Africa
PO Box 2297, Pretoria 0001, South Africa

Office hours: 08h00 – 16h00

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.