2026 Rules Active
2026 Validated
Hip/Knee Replacement Cover for Seniors with DSP
Actuarial Objective
For members 55+ at risk of joint replacement needing to avoid R38,560 co-payment via DSP
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 Senior Joint Surgery Risk?
Main member savings = R14,832. Hip/knee replacement: avoid R38,560 co-payment by using DSP. Hip/Knee Replacement Programme includes pre-surgery evaluation, multi-disciplinary team. Cochlear implants = R376,600 per family.
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.