2026 Rules Active
2026 Validated
Hip/Knee Replacement Programme with Any Hospital Access
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 R139 pm
Medihelp
MedPrime
Strategy: Savings Rollover + Interest Maximiser
Upgrade for +R-144 pm
Fedhealth
flexiFED 3
Strategy: flexiFED 3 D2D+ Health Risk Assessment Unlocker
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.