2026 Rules Active
2026 Validated
Unlimited Virtual + 3 Face-to-Face GP from Risk
Actuarial Objective
Ages 22-34 leveraging unlimited free virtual GP consultations + 3 annual in-person visits without depleting savings, DSP pharmacy required
Running Actuarial Simulation...
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Market Floor
This is the most affordable plan for your profile in our database.
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Bonitas
BonCore
Strategy: BonCore Disaster Cover Single
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.
- PMB (Prescribed Minimum Benefits)
- By law, this plan must cover the costs of 27 specific chronic conditions and emergency treatments, even though it is a basic Hospital Plan.
People Also Ask
If I land in a non-network hospital for an emergency, will Fedhealth still pay?
Emergency treatment can be accessed at any hospital, but once stabilised you may need to transfer to a network hospital to avoid network-related co-payments and penalties.
Do I have to nominate a specific GP, or can I just visit any GP when I’m sick?
Full cover rules rely on using a nominated Fedhealth Network GP, and using non-network GP routes is limited and conditional.
If I see a specialist without my GP referring me first, will the scheme still pay?
Specialist access is tied to the referral pathway, and non-referral use can trigger scheme-rule consequences (including co-payments) depending on the situation.
Is oncology fully covered, or only at a specific provider?
Oncology is funded at PMB level of care and is tied to the designated service provider arrangement (ICON), with a co-payment risk if a non-DSP route is used.
Will my cancer scans like PET-CT be covered if my doctor sends me to a non-network provider?
High-cost oncology imaging is subject to PMB/DSP rules and scheme protocols, and non-DSP use can trigger a co-payment requirement.
If I go to casualty for stitches or a fracture but I’m not admitted, will it count?
Trauma treatment in a casualty ward is covered under specific authorisation rules, and non-PMB casualty use can result in a co-payment.
Do I need authorisation for planned admissions, and what happens if I forget?
Planned hospital admissions require pre-authorisation, and late/no authorisation can lead to penalties under the scheme rules.
Are MRI/CT scans really unlimited, and do I need approval first?
MRI/CT scans are covered subject to authorisation requirements and scheme protocols, so approval rules still apply even where the benefit is described as broad.
Is depression medication covered as a chronic benefit on this plan?
Depression is listed as an additional chronic condition on this option, but formulary/DSP rules and approved medication lists still apply.
If I want a C-section for non-medical reasons, will I be penalised?
Elective (non-medically indicated) Caesarean sections are shown as attracting a co-payment on this option, so the clinical reason and authorisation pathway matter.