2026 Rules Active
2026 Validated
Any Hospital Access with Expanded Chronic Coverage
Actuarial Objective
For families requiring 45 chronic conditions (including mental health, GORD, anxiety) with full hospital choice
Running Actuarial Simulation...
More Plan Options
Save R139 pm
Medihelp
MedPrime
Strategy: Savings Rollover + Interest Maximiser
Upgrade for +R269 pm
Discovery Health Medical Scheme
Classic Priority
Strategy: Classic Priority Limited Above Threshold Benefit
Key Terms for this Strategy
- 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
Do I have to pay upfront for a gastroscopy?
Yes, there is a R5,440 co-payment for day surgery procedures like scopes if you do not use a network day hospital.
Is my specialist covered in full?
No, specialists are covered at 100% of the Bonitas Rate. Since many specialists charge above this rate, you may have a shortfall.
What if I get cancer?
You have unlimited cover for PMBs, but non-PMB cancer treatment is limited to R280,100 per family with a 20% co-payment.
Can I go to any hospital?
Yes, the Standard plan gives you access to any private hospital.
Do I pay for MRI and CT scans?
Yes, there is a R1,860 co-payment per scan event, even if you are in hospital.
Is dentistry covered?
Basic dentistry is covered at the Bonitas Dental Tariff, but specialized dentistry often requires a co-payment or is subject to managed care protocols.
What happens if I need a hip replacement?
You must use a Designated Service Provider (DSP) to avoid a significant R38,560 co-payment.
Are my chronic meds covered?
Yes, 45 conditions are covered, but you must use a Bonitas Network Pharmacy to avoid a 30% co-payment.
Is there a limit on how much I can see my GP?
Yes, GP and specialist visits are paid from your overall Day-to-Day limit of R13,980 (Main Member), with a specific sublimit of R3,500 for consultations.
Do I get cover for emergency room visits?
Yes, you have a separate benefit for 2 emergency consultations per family at a casualty ward, paid from Risk.