2026 Rules Active
2026 Strategy Validated
Large Family Budget: 4+ Kids Pay for 3
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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 R4,848 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
Is there a limit on cancer treatment? [BonFit Large Family Budget Leverage]
Yes, non-PMB cancer treatment is limited to R168,100 per family. You must use a DSP to avoid a 20% co-payment. Strategy reference: cap-2026.
Do I have cover for hip or knee replacements? [BonFit Large Family Budget Leverage]
No. BonFit explicitly excludes joint replacement surgery (hip, knee, shoulder) unless it qualifies as a PMB. Strategy reference: cap-2026.
What happens if I use a non-network hospital? [BonFit Large Family Budget Leverage]
You will pay a 30% co-payment on the hospital account if you voluntarily use a hospital outside the BonFit network. Strategy reference: cap-2026.
Are MRI scans covered? [BonFit Large Family Budget Leverage]
Yes, but there is a R2,800 co-payment per scan and a family limit of R15,960. Strategy reference: cap-2026.
How much savings do I get? [BonFit Large Family Budget Leverage]
The main member gets R4,848 per year (R404/month) for day-to-day expenses. Strategy reference: cap-2026.
BonFit Large Family Budget Leverage strategy verified
Covering 5 family members
2026 rates applied