Bonitas Medical Fund

Best for: Bonitas markets this as a digital-first hospital plan for younger members (roughly ages 22–35) wanting the cheapest possible entry-level cover with some GP/telehealth access, not a savings account

Hospitals

Restricted Bonitas network hospitals only

Day-to-day

None — no MSA option on this plan; a Benefit Booster of up to R1,000/family is available after a wellness screening

Chronic meds

27 PMB/CDL conditions covered plus depression (R165/person/month non-CDL add-on); 30% co-payment for non-formulary medicine.

Best for: Entry-level cover for those wanting basic hospital + day-to-day cover at lowest Bonitas premium

Hospitals

BonStart network hospitals (specific list)

Day-to-day

None — Benefit Booster unlocked by completing wellness screening + mental health assessment

Chronic meds

CDL conditions covered — linked formulary of chronic medication via network pharmacy

Best for: Lower-to-middle income households (income-verified) wanting unlimited hospital cover at the lowest premium band matched to what they earn

Hospitals

BonCap restrictive network (GPs and hospitals both restricted)

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 meds

28 conditions covered (27 PMB + 1 additional); designated chronic medicine pharmacy; 30% co-payment for non-formulary medicine.

Best for: Step-up from BonStart with lower co-payments, child dependants up to age 24 at child rates

Hospitals

BonStart Plus network hospitals (specific list)

Day-to-day

None — Benefit Booster unlocked by completing wellness screening + mental health assessment

Chronic meds

CDL conditions covered — linked formulary of chronic medication via network pharmacy

Best for: Lowest-cost hospital-only Bonitas plan for strict budget members

Hospitals

BonEssential Select network hospitals (specific list)

Day-to-day

None — hospital-only plan

Chronic meds

CDL conditions covered — linked formulary of chronic medication

Best for: Budget-conscious members wanting solid hospital cover without day-to-day frills

Hospitals

BonEssential network hospitals (specific list)

Day-to-day

None — hospital-only plan

Chronic meds

CDL conditions covered — linked formulary of chronic medication

Best for: Members who want hospital-only cover (no savings account, lower premium than a savings plan) with a broader hospital benefit than BonCore's stripped-down structure

Hospitals

Bonitas hospital network (restricted)

Day-to-day

None — no MSA option on this plan

Chronic meds

27 PMB/CDL conditions plus depression (R165/person/month non-CDL add-on); 30% co-payment for non-formulary medicine. Fissure sealants for under-16s covered.

Best for: Families wanting comprehensive day-to-day cover with a network hospital plan at mid-range premium

Hospitals

Primary network hospitals (specific list)

Day-to-day

None — day-to-day benefits included in plan. Savings pool for out-of-hospital: R5,540 (main member only)

Chronic meds

CDL conditions covered — linked formulary of chronic medication via network pharmacy

Best for: Health-conscious members wanting a savings-account plan with a lower premium than BonSave/BonComplete, comfortable using Bonitas's network hospitals

Hospitals

Bonitas hospital network (restricted — network hospital for admissions, day-network for day procedures)

Day-to-day

R4,848/year main member MSA (R3,636 adult, R1,632 child), plus a Benefit Booster of up to R1,140/family (unlocked after a wellness screening + mental health assessment)

Chronic meds

27 PMB/CDL chronic conditions on formulary, plus depression covered at R165/person/month; 30% co-payment if using non-formulary medicine voluntarily.

Best for: Mid-range earners wanting savings-account flexibility with network hospital protection

Hospitals

BonPrime network hospitals (specific list)

Day-to-day

Medical Savings Account — R6,252 (main member), R4,884 (adult dependant), R1,992 (child) per year

Chronic meds

CDL conditions covered — linked formulary of chronic medication via network pharmacy

Best for: Members who want a larger medical savings account than BonFit and can afford a higher premium, while still using network hospitals

Hospitals

Bonitas hospital network (restricted)

Day-to-day

R12,144/year main member MSA (R9,180 adult, R3,636 child), plus a Benefit Booster of up to R5,000/family after a wellness screening

Chronic meds

27 PMB/CDL conditions on formulary, plus depression covered at R165/person/month; 30% co-payment for non-formulary medicine used voluntarily.

Best for: Standard-level cover with restricted hospital network for a lower monthly premium

Hospitals

Standard Select network hospitals (specific list)

Day-to-day

Medical Savings Account — R13,980 (main member only) to R25,640 (3+ dependants) per year

Chronic meds

CDL conditions covered — linked formulary of chronic medication

Best for: Members wanting open-network access to any private hospital with a medical savings buffer

Hospitals

Open — any private hospital

Day-to-day

Medical Savings Account — R13,980 (main member only) to R25,640 (3+ dependants) per year

Chronic meds

CDL conditions covered — linked formulary of chronic medication

Best for: Comprehensive-level cover on a network hospital for those wanting BonComprehensive benefits at lower cost

Hospitals

BonComplete network hospitals (specific list)

Day-to-day

Medical Savings Account included per beneficiary

Chronic meds

CDL conditions covered — linked formulary of chronic medication

Best for: Premium network plan for those wanting comprehensive benefits at top-tier Bonitas pricing

Hospitals

BonClassic network hospitals (specific list)

Day-to-day

Medical Savings Account included — balances per beneficiary (main member, adult, child)

Chronic meds

CDL conditions covered — linked formulary of chronic medication

Best for: High-income earners wanting maximum open-network cover with no hospital restrictions

Hospitals

Open — any private hospital

Day-to-day

Medical Savings Account included — substantial annual savings pool per beneficiary

Chronic meds

CDL conditions covered — linked formulary. Oncology: unlimited palliative care at DSP