2026 Rules Active
2026 Validated
Affordable Network-First Cover for Low-Income Singles
Actuarial Objective
Entry-level hospital and day-to-day cover for individuals earning R0-R11,930 per month who can commit to strict network compliance
Running Actuarial Simulation...
More Plan Options
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Fedhealth
myFED
Strategy: myFED Income Band 1 Entry-Level Corporate Employee
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Bestmed
Rhythm1
Strategy: Rhythm1 Entry-Level Earner (<R9k)
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.
- Elective Procedure Co-payment
- A mandatory upfront fee you must pay to the hospital for specific scheduled surgeries (like hip/knee replacements) that are not emergencies.
People Also Ask
Is joint replacement surgery covered?
No, joint replacement surgery is explicitly listed as an exclusion on this plan.
Can I go to any GP?
No, you must use a BonCap Network GP. One out-of-network visit is allowed per beneficiary with a 30% co-payment unless it is a PMB.
Do I need a referral to see a specialist?
Yes, you must obtain a referral from a BonCap Network GP to see a specialist, and pre-authorisation is required.
Is there a co-payment for MRI scans?
Yes, there is a R1,230 co-payment per scan event, unless it is for a Prescribed Minimum Benefit (PMB) condition.
What happens if I use a non-network hospital?
You will be liable for a 30% co-payment on the hospital account, except in cases of emergency.
Are there limits on acute medication?
Yes, GP-referred acute medicine is limited to R2,390 for a single member, increasing with family size.
Is depression covered as a chronic condition?
Yes, Depression is covered as the 28th chronic condition, with medication cover limited to R165 per beneficiary per month.
How does the casualty benefit work?
You are covered for 2 emergency consultations per family at a casualty ward. If the visit is not classified as an emergency, it will be paid from your day-to-day GP benefit.
Are contraceptives covered?
Yes, contraceptives are covered up to R1,330 per family, but you must use a Designated Service Provider (DSP) pharmacy to avoid a 40% co-payment.
Do I have to pay for day surgery?
If you use a network day hospital for listed procedures (like gastroscopies), there is no co-payment. Using an acute hospital will incur a 30% co-payment.