2026 Rules Active
2026 Strategy Validated
Senior Joint Replacement: Avoid R38,560 Co-Pay
BonClassic Senior Joint Replacement Risk strategy verified
Covering 1 family members
2026 rates applied
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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
- Network Restriction
- You must use hospitals and doctors listed in the scheme's specific network. Voluntary use of non-network providers will result in a heavy co-payment. [Source: Council for Medical Schemes Official Benefit Rules]
- Medical Savings Account (MSA)
- A fund of R14,832 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
Why is BonClassic the best match for BonClassic Senior Joint Replacement Risk?
Main member savings = R14,832. Hip/knee replacement: avoid R38,560 co-payment by using DSP. Hip/Knee Replacement Programme includes pre-surgery evaluation, multi-disciplinary team. Cochlear implants = R376,600 per family. (Verified via Actuarial Strategy Logic 2026) [Strategy: ent-2026]
What are the hospital rules for BonClassic Senior Joint Replacement Risk on BonClassic?
BonClassic Senior Joint Replacement Risk must use network hospitals. Non-network admissions incur a co-payment of approximately R5440 unless it is a life-threatening emergency. (Verified via Actuarial Strategy Logic 2026)
Does BonClassic cover maternity for Senior Joint Surgery Risk members?
Yes. BonClassic Senior Joint Replacement Risk receives a separate 'Risk Benefit' covering 12 antenatal visits. (Verified via Actuarial Strategy Logic 2026)