2026 Rules Active
2026 Validated
Unbeatable Value for Lower Income Earners
Actuarial Objective
Strictly for individuals earning under R9,000/month. Provides unlimited network GP visits and basic hospital cover at a highly subsidized rate of R1,736/month. Essential primary care focus.
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More Plan Options
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Bonitas
BonCap
Strategy: BonCap Income Band 1 Single Starter
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Momentum Medical Scheme
Custom Option
Strategy: Custom Associated Hospital (Penalty avoidance)
Key Terms for this Strategy
- Network Restriction
- You must use hospitals and doctors listed in the scheme's specific network. Voluntary use of non-network providers will result in a heavy co-payment.
People Also Ask
Can I go to any doctor I want?
No, you must use a Bestmed Rhythm Network GP. If you use a non-network doctor, you will be liable for the costs unless it is a PMB emergency.
Do I need a referral to see a specialist?
Yes, you must visit your Rhythm Network GP first to get a referral to a Rhythm Specialist DSP.
What happens if I use a hospital that isn't on the network list?
Voluntary use of a non-DSP hospital will result in a co-payment of R15,025, except in cases of emergency.
Is my cancer treatment covered fully?
Cancer treatment is limited to Prescribed Minimum Benefits (PMB) level of care only. You do not have comprehensive oncology benefits beyond state-mandated minimums.
Do I have to pay for contraceptives?
No, female contraceptives are covered up to R2,092 per year (oral/injectable/implantable) or R3,295 for an IUD every 5 years.
Is there a limit on hip replacements?
Yes, while the overall family prosthesis limit is R67,162, hip replacements have a specific sub-limit of R34,107.
Do I have to pay upfront for a gastroscopy?
Yes, a co-payment of R2,000 applies to gastroscopies and colonoscopies.
Are emergency room visits covered if I am not admitted?
No, casualty visits are only covered if they are for a PMB condition. There is no general casualty benefit for minor injuries.