Bonitas
Bonitas BonCap 2026
Hospital onlyIncome-based pricing — lowest-cost unlimited hospital cover
BonCap is a hospital only plan from Bonitas. In 2026 it costs R1 730 a month for the main member, R1 730 for an adult dependant and R815 for a child.
Best for: Lower-to-middle income households (income-verified) wanting unlimited hospital cover at the lowest premium band matched to what they earn
From Bonitas's official 2026 brochure
What BonCap covers
- Hospitals you can use
- BonCap restrictive network (GPs and hospitals both restricted)
- In hospital
- Unlimited hospital cover at 100% of the BonCap rate, restricted to the BonCap network; 30% co-payment for non-network hospital use or a missed 48-hour pre-authorisation; R1,230 co-payment for specialised radiology unless PMB. Income-verified pricing (2026, main member): R0–R11,930 household income = R1,730; R11,931–R19,350 = R2,111; R19,351–R25,170 = R3,404; R25,171+ = R4,177. Notable exclusions: back/neck surgery, joint replacement, non-medical C-sections, hernia repair, endoscopies, in-hospital dental surgery.
- Day-to-day
- None — instead a shared day-to-day pool (acute medicine, GP, pathology, radiology combined) of roughly R5,220/family/year depending on family size, plus a R120/event OTC medicine benefit
- Chronic medication
- 28 conditions covered (27 PMB + 1 additional); designated chronic medicine pharmacy; 30% co-payment for non-formulary medicine.
- Maternity
- 2 pregnancy ultrasound scans; 4 post-delivery midwife consultations (one may be swapped for a lactation specialist consult).
- Dental
- Fissure sealants for under-16s covered directly; other dentistry funded from the shared day-to-day pool.
- Optical
- Glasses or contact lenses via a contracted service provider once every 2 years.
- Mental health
- Consultations and hospitalisation: PMB only, subject to using a DSP or a 30% co-payment applies. Scheme also offers a Mental Health Programme (Care Manager support for depression, anxiety, PTSD, alcohol abuse; digital mental-health platform).
- PMBs (prescribed minimum benefits)
- Full PMB cover (legally required)
- Emergencies
- 2 emergency room visits per family, paid by Bonitas.
- Gap cover
- Yes — 30% co-payment for non-network hospital use, restrictive network, and several procedure exclusions
Summarised from Bonitas's official 2026 brochure. Always confirm the details with the scheme or an accredited broker before you join.
Similar plans to compare
Other hospital only plans close to R1 730 a month.
MomentumIngwe — Any HospitalR1 852per month, main memberView plan MomentumEvolveR2 029per month, main memberView plan MomentumIngwe — Ingwe NetworkR1 425per month, main memberView plan
Compare BonCap with Ingwe — Any Hospital and Evolve side by side
Is BonCap right for you?
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