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BONITAS BONSAVE 2019

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Type of Medical Aid Plan: 
Traditional
Medical Aid Year: 
2019
Day to day Benefits: 

These benefits provide cover for consultations with your GP or specialist, acute medicine, x-rays, blood tests and other out-of-hospital medical expenses.

Savings

Main member: R4 776

Adult dependant: R3 696

Child dependant: R1 428

In Hospital Benefits
Hospital Rate of Payment: 
consultations & treatment at 150% of the Bonitas Rate
Hospitals: 

Members have access to all private hospitals. A 30% co-payment may apply to admissions at specific hospitals.

Unlimited, consultations & treatment at 150% - network doctors and specialists of the Bonitas Rate

Upfront Payments to hospitals: 

A 30% co-payment may apply to admissions at specific hospitals.

Kidney dialysis: You must use a Designated Service Provider, or a 20% co-payment will apply.

A co-payment will apply to the following procedures in hospital:

R1 450 co-payment:

Colonoscopy, Conservative Back Treatment, Cystoscopy, Facet Joint Injections, Flexible Sigmoidoscopy, Functional Nasal Surgery, Gastroscopy, Hysteroscopy(not Endometrial Ablation), Myringotomy, Tonsillectomy and Adenoidectomy, Umbilical Hernia Repair, Varicose Vein Surgery.

R3 680 co-payment:

Arthroscopy, Diagnostic Laparoscopy, Laparoscopic Hysterectomy, Laparoscopic Appendectomy, Percutaneous Radiofrequency Ablations (Percutaneous Rhizotomies).

R7 250 co-payment:

Back Surgery including Spinal Fusion, Joint Replacements, Laparoscopic Pyeloplasty, Laparoscopic Radical Prostatectomy, Nissen Fundoplication (Reflux Surgery).

Specialists: 
Unlimited, covered at 150% of the Bonitas Rate
Other healthcare professionals eg. Physio, Occupational, Dietician: 
Paid from available savings
Scopes (gastroscopy, colonoscopy, sigmoidoscopy and proctoscopy): 
R1 450 co-payment
MRI and CT scans: 
R23 330 per family, in and out-of-hospital
Dialysis: 
Unlimited You must use a Designated Service Provider, or a 20% co-payment will apply
Organ Transplants: 
Unlimited Sublimit of R31 500 per beneficiary for corneal grafts
Oncology / Cancer: 
R344 500 per family You must use a preferred provider Sublimit of R44 220 per beneficiary for Brachytherapy
Neck and Back Operations: 
R7 250 co-payment
Joint Replacements: 
R7 250 co-payment
Prosthesis: 

Internal prosthesis

R31 500 per family (excluding joint replacement prosthesis)
Managed Care protocols apply
You must use a preferred supplier

Medical and Surgical Appliances: 
R6 890 per family An additional R6 550 per family will apply should Stoma care and CPAP machines exceed the general medical appliances limit You must use a preferred supplier
In Hospital Dentistry: 
A co-payment of R3 500 per hospital admission and admission protocols apply. General anaesthetic is only available to children under the age of 5 for extensive dental treatment General anaesthetic benefit is available for the removal of impacted teeth
Take home Medicine: 
R380 per beneficiary, per hospital stay
Rehabilitation, Hospice and Step-down facilities: 
Physical rehabilitation R49 610 per family Alternatives to hospital (hospice, step-down facilities) R16 550 per family
Treatment for Mental Health: 
R15 890 per family In and out-of-hospital consultations (included in the mental health hospitalisation benefit) Cover for educational psychologists for beneficiaries up to the age of 21 years
HIV / AIDS: 
Unlimited, if you register on the HIV/AIDS programme Chronic medicine must be obtained from the Designated Service Provider
International Travel Benefit: 
R5 million per beneficiary R10 million per family Including cover for mandatory vaccines You must register for this benefit
Day-to-day benefits
GP consultations: 

Paid from available savings.

Additional GP consultations.
If you use all your savings for the year, your family will still get a maximum of 6 GP consultations (limited to 3 per beneficiary) paid at the Bonitas Rate.

Specialist consultations: 

Paid from available savings
You must get a referral from your GP

Acute medicine: 

Paid from available savings
 

Over-the-counter (OTC) Medicine: 

Paid from available savings
 

Optometry benefits: 
Paid from available savings
Basic dentistry: 
Covered at the Bonitas Dental Tariff
Specialised Dentistry: 
No Benefit
Orthodontics: 

No benefit.

MRI and CT Scans (Out of Hospital): 
R23 330 per family, in and out-of-hospital Pre-authorisation required
Radiology and Pathology: 
Paid from available savings.
Pregnancy benefits: 
6 antenatal consultations with a gynaecologist, GP or midwife 2 2D ultrasound scans R1 220 for antenatal classes 1 amniocentesis 4 consultations with a midwife after delivery A Bonitas baby bag (you must register for this after obtaining pre-authorisation
Physiotherapy and Occupational Therapy day to day: 
Paid from available savings.
Chronic Conditions
Provider: 
If you choose not to use the Designated Service Provider or if you choose to use medicine that is not on the formulary, you will have to pay a 40% co-payment.
Chronic Conditions: 

BonSave ensures that you are covered for the 27 Prescribed Minimum Benefits listed below. You
must use Pharmacy Direct, our Designated Service Provider, to get your medicine. If you choose not
to use Pharmacy Direct or if you choose to use medicine that is not on the formulary, you will have
to pay a 40% co-payment.
Prescribed Minimum Benefits covered
1. Addison’s Disease 10. Crohn’s Disease 19. Hyperlipidaemia
2. Asthma 11. Diabetes Insipidus 20. Hypertension
3. Bipolar Mood Disorder 12. Diabetes Type 1 21. Hypothyroidism
4. Bronchiectasis 13. Diabetes Type 2 22. Multiple Sclerosis
5. Cardiac Failure 14. Dysrhythmias 23. Parkinson’s Disease
6. Cardiomyopathy 15. Epilepsy 24. Rheumatoid Arthritis
7. Chronic Obstructive
Pulmonary Disease

16. Glaucoma 25. Schizophrenia
8. Chronic Renal Disease 17. Haemophilia 26. Systemic Lupus
Erythematosus
9. Coronary Artery Disease 18. HIV/AIDS 27. Ulcerative Colitis

Preventative Care Benefits
Preventative Benefits: 

General health 1 HIV test per beneficiary
1 flu vaccine per beneficiary

Women’s health 1 mammogram every 2 years, for women over 40
1 pap smear every 3 years, for women between ages 21 and 65
Men’s health 1 prostate screening antigen test for men between ages 45 and
69, who are considered to be at high risk for prostate cancer

Elderly health

1 pneumococcal vaccine every 5 years, for members aged
65 and over
1 stool test for colon cancer, for members between ages
50 and 75

Total Contributions
Total Contribution Main Member: 
2486.00
Total Contribution Adult: 
1925.00
Total Contribution Child*: 
744.00
Bonitas 2019 BonSave
Risk Contributions
Risk Contribution Main Member: 
2486.00
Risk Contribution Adult: 
1925.00
Risk Contribution Child: 
744.00
Medical Aid Plan Name Term: 
Any