4 Benefit Groups for Bonitas
In 2012 Bonitas medical
aid has been in business for 30 years and is the second largest open medical scheme in South
Most of the times the medical aid schemes are so complicated that it is
difficult to understand what the features and benefits of each plan are. Bonitas has taken into consideration
that it is potential members who are looking for the right plan that read the information on the website. They
describe the benefits in an easy manner for you to understand, so that you can make an informative
There are 4 major groups of benefits.
Major Medical Benefit
Major Medical Benefit covers hospital expenses and
major medical treatments. You can go to any hospital. However, hospital expenses are covered totally when you are
admitted to a hospital that Bonitas have negotiated certain fees with. Before you are admitted for the specific
operation or procedure you need to receive authorization from Hospital Benefit Management to ensure what costs will
be covered by the plan. The exception is emergency situations, when no prior authorization is
The comprehensive plan pays out up to 300% above
the medical scheme tariff. The BonsSave and BonEssential plans pay out the full medical aid
Chronic Benefit covers the medicines required for
people with chronic conditions such as high blood pressure, diabetes or arthritis. This medication is needed
continuously, often for a life time. The coverage of chronic medications is subject to authorization beforehand by
Chronic Medicine Management.
Depending on the specific plan, 26 to 53 chronic
diseases are covered. If your plan is BonSaveorBonEssential, then you have prescribed pharmacies and service
providers that you must go to.
Out of Hospital Benefit
Out of Hospital Benefit covers medical costs when
not admitted to a hospital, in other words the day-to-day medical treatment. The Bonita medical schemes don’t cover
all these expenses and a top-up plan is required, that differs with each type of plan. The different plans have
· BonEssential and BonSaverequire hospital
plans in addition to the Out of Hospital Benefit to ensure you are covered completely.
· Standard and Primary limits you to going to a
general practitioner whose fee is not more than the accepted tariff of Bonitas.
· BonComprehensive requires that you add a
savings account in the form of a top-up-plan. You need to manage the account yourself.
Supplementary Benefit includes additional benefits
when costs occur with medical treatment in hospital or out of hospitals. It is paid from the Overall Annual Limit
and has certain requirements and limits. Included but not restricted to, are:
· Appliances for example, hearing aids,
wheelchair, oxygen and stomach products
· Cochlear implants for hearing
Emergency transport medical purposes with Netcare
Endoscopies in doctor’s rooms
Immune deficiency related to HIV infection
· Maternity care
· Mental Health
Specialized radiology (out of hospital)
Once again it is suggested to get quotes
from the different medical aids you are considering. Bonitas medical aid website allows you to ask for quotes. © Medical Aid Plan