2026 Rules Active
2026 Validated
Savings Account Rollover Strategy for Young Professionals
Actuarial Objective
For healthy singles optimizing savings allocation with above-threshold benefit and rollover potential
Running Actuarial Simulation...
More Plan Options
Save R251 pm
Sizwe Hosmed
Value Platinum Core
Strategy: Access "Core": Young DSP Hospital Starter
Upgrade for +R82 pm
Sizwe Hosmed
Value Platinum
Strategy: Value "Platinum": Family Full-Choice High Cover
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.
- 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
What is the 2026 monthly contribution for BonComplete?
The main member contribution is R6,614 per month[cite: 14].
How much savings do I get?
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].
Is there a Benefit Booster on this plan?
Yes, you can unlock R2,070 in extra out-of-hospital benefits by completing a wellness screening and mental health assessment[cite: 341].
Do I have to use a specific hospital?
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].
What is the limit for cancer treatment?
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].
Is there a co-payment for joint replacements?
Yes, a R38,560 co-payment applies to hip and knee replacements if you do not use a Designated Service Provider (DSP)[cite: 644].
Are MRI and CT scans covered?
Yes, but there is a R2,800 co-payment per scan event unless it is for a PMB condition[cite: 66].
How many chronic conditions are covered?
The plan covers 32 chronic conditions (27 PMB + 5 additional)[cite: 301].
Is dentistry covered?
Basic dentistry is covered. [cite_start]Specialised dentistry (like crowns) is limited to 1 crown per family per year[cite: 234].
Do I have access to an Above Threshold Benefit?
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].