2026 Rules Active
2026 Validated
Uses the child Threshold cap as a scaling advantage
Actuarial Objective
Targets households with more than three children, leveraging the rule that the child component of the Threshold applies only up to a maximum of three children.
Running Actuarial Simulation...
More Plan Options
Save R-1037 pm
Bonitas
BonComprehensive
Strategy: BonComprehensive Senior 61 Chronic + Full Hospital Choice
Upgrade for +R1100 pm
Bestmed
Pace 4
Strategy: Executive with Maximum Risk Transfer
Key Terms for this Strategy
- Medical Savings Account (MSA)
- A fund of R34,416 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
Is my cancer cover unlimited?
No. The plan has a strict oncology limit of R500,000 per year. Once this limit is reached, you will be liable for a 20% co-payment on all further treatment costs.
Do I have to pay upfront for an MRI scan?
Yes, there is a R3,500 co-payment for MRI and CT scans, regardless of whether they are performed in or out of hospital.
Will I be covered for a hip replacement?
Yes, but subject to strict limits. Internal prostheses (like hips and knees) are limited to R92,200 per event (maximum 2 events per year), and a co-payment of R5,500 applies if the surgery is performed in an acute hospital.
Does the plan cover emergency room visits?
Only from your savings. Casualty and after-hour visits are 'Subject to Day-to-day Benefit', meaning they are paid from your savings account, not the major medical risk benefit.
How much is my self-payment gap?
For the main member, your Annual Savings is R34,416, but your Threshold is R36,900. This creates a small 'self-payment gap' of approximately R2,484 where you must pay claims from your own pocket before the Extended Cover activates.
Can I use any specialist?
Yes. Associated specialists are covered in full, and other specialists are covered up to 200% of the scheme rate. If your specialist charges more than 200%, you will have a shortfall.
Is my depression medication covered?
Yes, but within limits. Mental health services (psychiatry and psychology) are limited to R50,600 per beneficiary, and outpatient mental health is limited to R26,300 per family.
What happens if I use a non-network hospital?
On this 'Any' variant, you can use any private hospital. However, if you had chosen the 'Associated' variant, you would face a 30% co-payment for using a non-network facility.