2026 Rules Active
2026 Validated
Mid-Tier Chronic Management with Dental and Savings
Actuarial Objective
For families requiring 46 chronic conditions (including mental health, osteoporosis, GORD) with comprehensive dental
Running Actuarial Simulation...
More Plan Options
Save R873 pm
Bestmed
Beat4
Strategy: Beat4 Comprehensive Single (Savings + Day-to-Day)
Upgrade for +R528 pm
Bestmed
Pace2
Strategy: Senior Funding Elective Joint Replacement
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.
- Medical Savings Account (MSA)
- A fund of R14,832 included in your premium. You use this for day-to-day expenses like GP visits and scripts.
- 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
Why is BonClassic recommended for Chronic + Dental + Savings?
Adult dependant savings = R12,732. Chronic benefit = R15,370 per beneficiary + R31,770 per family. Covers 46 conditions including PTSD, panic disorder, osteoporosis, GORD. After limit, 27 PMB still covered.
What happens if I use a non-network hospital?
You will be liable for a co-payment (typically R5440) unless it is a life-threatening emergency.
Is maternity covered on this plan?
Yes. It includes a separate 'Risk Benefit' for 12 antenatal visits and 2 ultrasounds, so you don't use your savings.