2026 Rules Active
2026 Strategy Validated
Savings Rollover Strategy for Young Professionals
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Actuarial Strategy Reference
This strategy is generated based on the 2026 Council for Medical Schemes (CMS) registered rules and actuarial pricing matrices.
VERIFIED: 2025-12-20 | SOURCE: SCHEME_BENEFIT_GUIDE_2026
Similar Situations
Key Terms Explained
Key Terms for this Strategy
- Medical Savings Account (MSA)
- A fund of R11,880 included in your premium. You use this for day-to-day expenses like GP visits and scripts. [Source: Council for Medical Schemes Official Benefit Rules]
- Elective Procedure Co-payment
- A mandatory upfront fee you must pay to the hospital for specific scheduled surgeries that are not emergencies. [Source: Council for Medical Schemes Official Benefit Rules]
Common Questions
What is the 2026 monthly contribution for BonComplete? [BonComplete Single MSA Maximization]
The main member contribution is R6,614 per month[cite: 14]. Strategy reference: msa-2026.
How much savings do I get? [BonComplete Single MSA Maximization]
The main member gets R11,880 in annual savings[cite: 36]. [cite_start]There is also a self-payment gap of R2,350 before the Above Threshold Benefit kicks in[cite: 42]. Strategy reference: msa-2026.
Is there a Benefit Booster on this plan? [BonComplete Single MSA Maximization]
Yes, you can unlock R2,070 in extra out-of-hospital benefits by completing a wellness screening and mental health assessment[cite: 341]. Strategy reference: msa-2026.
Do I have to use a specific hospital? [BonComplete Single MSA Maximization]
Yes, BonComplete uses a list of Specific Private Hospitals. [cite_start]Using a non-network hospital may attract a 30% co-payment[cite: 16, 531]. Strategy reference: msa-2026.
What is the limit for cancer treatment? [BonComplete Single MSA Maximization]
Non-PMB cancer treatment is limited to R280,100 per family per year. [cite_start]Once this limit is reached, cover continues at 80% if you use a DSP[cite: 644]. Strategy reference: msa-2026.
Is there a co-payment for joint replacements? [BonComplete Single MSA Maximization]
Yes, a R38,560 co-payment applies to hip and knee replacements if you do not use a Designated Service Provider (DSP)[cite: 644]. Strategy reference: msa-2026.
Are MRI and CT scans covered? [BonComplete Single MSA Maximization]
Yes, but there is a R2,800 co-payment per scan event unless it is for a PMB condition[cite: 66]. Strategy reference: msa-2026.
How many chronic conditions are covered? [BonComplete Single MSA Maximization]
The plan covers 32 chronic conditions (27 PMB + 5 additional)[cite: 301]. Strategy reference: msa-2026.
Is dentistry covered? [BonComplete Single MSA Maximization]
Basic dentistry is covered. [cite_start]Specialised dentistry (like crowns) is limited to 1 crown per family per year[cite: 234]. Strategy reference: msa-2026.
Do I have access to an Above Threshold Benefit? [BonComplete Single MSA Maximization]
Yes, once you have passed the self-payment gap, you have access to an Above Threshold Benefit, which is limited (e.g., R6,250 for main member)[cite: 49]. Strategy reference: msa-2026.
BonComplete Single MSA Maximization strategy verified
Covering 0 family members
2026 rates applied