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Bonitas hospital plan is one of the most popular choices when it comes to choosing a medical aid provider. This is largely attributed to the fact that they are a non-profit group and their sole reason for existence is to offer benefits to members and their beneficiaries. This means that rather than looking to earn as much as they can, Bonitas hospital plan is intent on serving members’ best interests through value for money and top quality services. Let’s take a look at the top ten reasons why you might want to consider Bonitas as your medical aid scheme.
Bonitas Hospital Plan Offers Value For Money
Times are tough all over at the moment and that is one of the things that the Bonitas Hospital Plan takes into consideration when setting their price tariffs. They are highly dedicated to offering benefits which present value for money without sacrificing the level of care offered. Costs are kept low to make healthcare accessible to all.
Special Rates For Larger Families With Free Child Cover
When you have a big family, everything is more expensive – especially keeping everyone healthy. That is one of the reasons why Bonitas hospital plan offers free medical cover for the 4th and all subsequent children named as beneficiaries on the medical aid.
Affordable Healthcare For Student Members
Getting a college education is an expensive business. Every little helps and students are always on the look out for some really great deals. With Bonitas, all full time students under the age of 24 years will only be required to pay the child rates for their medical cover to make it a little more affordable.
Bonitas Hospital Plan Can Offer Financial Stability
Bonitas is the 2nd largest medical aid provider in South Africa and they have a solvency ratio of almost 40%. Considering the legal requirement for solvency stands at just 25% it is plain to see that Bonitas is financially stable and can be trusted to provide steady health care to their members.
High Rates Of Repaid Claims
Statistics show that Bonitas hospital plan pays back around 90% of all claims which is a much higher rate than most comparable medical aid schemes.
Excellent Customer Services
The team at Bonitas hospital plan is renowned for providing excellent customer service at all times, so whether you need help with processing a claim or just have questions about the benefits offered, you are sure to get things resolved quickly.
Solid Reputation Nationwide
Since opening their doors in 1982, Bonitas Hospital Plan have gathered a strong reputation. With more than 30 years of experience and knowledge it is easy to see why around 50% of their customers are large companies such as BHP Billiton, Eskom and Telkom.
Large Network of National GPs
Bonitas have negotiated contracts with over 4,500 doctors all over South Africa. This means that it is less likely that you will need to contribute any of the co-pay.
Benefits When They Are Needed Most
The Bonitas hospital plan offers a range of supplementary benefits which mean that members can access the help they need when it is most important. Some of he additional benefits include maternity cover, oncology care, trauma counselling and personal health advice.
Designed With South Africa In Mind
The Bonitas hospital plan is designed with South Africans in mind. It is not offered to a limited sector of the community, instead it strives to provide plans designed for any family and for any individual regardless of whether they are a construction worker, a stay at home parent or a CEO!
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You are young, fit, and healthy. The last thing that you ever need to worry about is having a medical aid scheme for yourself and your family members. This may be the mentality that you have, but the truth of the matter is everyone should have some sort of medical aid scheme in place to help take care of things when emergencies occur. Though you may feel that you are invincible and that you and your family will never get sick or have any sort of accident, though that would be nice if it never occurred, the truth is illnesses and accidents happen every day to even the healthiest individuals. It is for this reason that everyone, no matter what age or level of health, needs to have some sort of pre-existing medical aid scheme such as Bonitas Hospital Plan. Having one of these plans in place will help you to deal with the unexpected medical emergencies or illnesses that can happen.
When you start looking into a medical scheme for yourself and your family, you need to consider what type of cover you need to have. Do you only need to look for medical cover for yourself? Does any member of your family, that you have to get coverage for, have a pre-existing medical condition that needs special attention? Are you on a tight budget so you can only afford a very basic plan that doesn’t have all the extra benefits of expensive plans? Regardless of any pre-existing medical conditions, or your budget, you are sure to find a Bonitas Hospital Plan that will work for you and your family.
With Bonitas, you can choose for a couple of different options, the BonEssential and the BonCap. Both of these plans will provide you with the coverage that you need should you, or your loved ones, require hospitalization due to an unforeseen accident or illness. You will not have to worry about how you will pay for the hospital stay or the treatment with one of these plans in place. Both of these plans cover hospital visits and cover 26 chronic conditions that you are your family members may have or be diagnosed with at some point. Of the two policies, the BonCap is a more elaborate plan that offers the individual more benefits. Some of the additional benefits include coverage related to optometrists, dental services, and pharmaceutical needs in addition to hospital stays.
If you have yet to get yourself some type of medical aid scheme for yourself and your immediate family members than look into one of the Bonitas Hospital plans available and have the peace of mind that comes with knowing when illness or accidents happen you are covered.
There are a number of complex issues that affect medical aid programs and it can be difficult to understand all of the ins and outs. One of the common areas that causes confusion for medical aid members is late joiner penalties. Let’s take a look at Transmed medical aid as an example in order to explain the basics of something that is a feature of the majority of medical aid programs.
What Is A Late Joiner Penalty?
A late joiner penalty is not a one off fee like many people assume, it is a penalty that will be applied to your medical aid payments for the rest of your life. A late joiner penalty is applied when you apply to join a medical aid plan at a certain age. It means that the premiums you pay will be higher than those paid by regular members. The late joiner penalty usually applies to those aged 35 years and over. The penalty is generally between 5% and 7% and is determined by a formula which is outlined in Regulation 13 of the Medical Schemes Act (131 of 1998). The ins and out of the late joiner fee may differ from scheme to scheme, for example with Transmed medical aid the penalty is imposed on applicants over the age of 35 years who have not been a member of a medical scheme since 1 April 2001 without a coverage break exceeding three consecutive months.
Why Do Late Joiner Fees Apply?
If you look at the Transmed medical aid scheme, the members cover a diverse age range from 21 years to 75 years and older. It is pretty logical to consider that the younger members are healthier than the older ones in most cases. The younger members are more likely to be participating in sports and generally leading a healthier life style, which may mean they claim often for sports injuries and preventative benefits. However, older members are more likely to have ongoing health conditions that require regular claims. In short, older members are more demanding than younger members. If a member joins young then by the time they reach an age where they have a greater need for medical care then they will have paid in enough money to cover that additional need. However, if they join at a later stage then they are depending on funds paid in by younger members. If you consider it this way then it is not unreasonable to expect those joining at a later stage to pay a little extra to compensate for the years they have missed!
Often when people think about their medical aid they are often thinking about treatment that they might need in future when they fall ill or sustain an injury, but often medical aid programs also offer preventative benefits to help members to keep healthy. Pharos medical aid provides a wide range of preventative benefits which are designed to help keep members healthy and prevent any serious illness. Let’s take a closer look at the benefits on offer.
Access To Vaccines And Immunisations
One of the main preventative benefits offered by Pharos medical aid is immunisations. Children up to the age of 6 years old who are registered on the ‘our-baby’ program are eligible for all baby and childhood immunisations as per the schedule set out by the Department of Health. In addition to this, any member who is over the age of 60 year old or who is at a higher level of risk because of a chronic condition is eligible for flu and pneumococcal vaccines on an annual basis.
Well Woman Preventative Care
The preventative benefits offered by Pharos medical aid also include some preventative measures that every woman needs to take into consideration. The first of these is cervical cancer screening which is available to all female members of child-bearing age every 3 years, or every 2 years for those at a higher risk. Pap smears are carried out by either a GP or a registered nurse and includes consultation and pathology. All women over the age of 35 years, and those at a particular level of risk, are also eligible for mammograms or breast ultrasounds. Basic screening is offered to those aged 35-39 years and those aged 40-49 years are eligible for screening every 2 years. Those over 50 years and those at risk because of a strong family history of breast cancer can take advantage of yearly screening.
Early Identification Of Serious Conditions
One of the best ways to ensure that you stay healthy is to catch serious conditions as early as possible. Some of the preventative benefits offered by the Pharos medical aid program include:
Prostate Cancer Screening
Colon Cancer Screening
Blood Pressure Monitoring
Cholesterol Testing
Blood Glucose Testing
HIV Antibody Testing
Annual Health Risk Assessment
Maternity & Baby Program
Pharos medical aid also offer the ‘our-baby’ program which offers a range of pregnancy and baby related benefits to members. The our-baby program offers cover for services including antenatal visits, urine tests and ultrasound scans. Members can also take advantage of baby massage classes, nanny training and other benefits.
These are just a fraction of the preventative benefits that are offered to Pharos medical aid members. It is important to take a proactive approach to your health and benefits like these can help you to achieve this. We have used Pharos medical aid as a case study, but many medical aid programs also offer preventative benefits so be sure to use our comparison tool to find the right program to meet your needs.
We live our lives striving to obtain different needs and desires. These typically include a good job, a nice home, and plenty of money, but there is one thing that is far more important than any other is – that is our health. It is of the utmost importance that everyone that resides in South Africa has some type of medical aid scheme not only for themselves but also for every member of their family. Having a medical aid scheme can mean the difference between getting the treatment and medications that you need, and going without them. Medical aid schemes, like Bonitas hospital plan, are critical to have in place when the unexpected emergency occurs and you need to spend time in the hospital.
As you can quite imagine when the time comes that something happens to your health, or the health of a family member, you want to know that they will get the treatment that they require. In many cases if you do not have any type of pre-existing medical aid scheme then you could be left having to pay a large amount of money out of your pocket. If you do not have the money to get the treatment you need, it is quite possible that you can end up going without it. If you take the time and effort to choose a medical aid scheme, such as Bonitas hospital plan, then you can live with the knowledge that you or your loved ones that are covered, will be able to get the treatment that is required.
This plan, offered to you by Bonitas comes in two variations. Although some of the features and benefits are the same within the two plans, there are some differences. The two plans are the BonCap and the BonEssential.
Of the two plans, BonCap is the ideal option for the individual that is on a tight budget but still wants to insure that they are covered. This plan covers a number of basic medical needs, which include hospital stays, pharmaceutical needs, optometrists and dental services. With the basic services included in your medical aid scheme, you will get the preventative treatments that you need that can stave off potential serious conditions to your health or those family members covered under your plan.
The BonEssential plan is designed to cover all of the unexpected incidents that may occur to the young, fit, and healthy individual. It does not have all of the benefits that the BonCap plan offers, as it is set up to cover issues that may arise unexpectedly. If you are not concerned with having coverage for an optometrist or dentist, but want to be covered if you fall ill unexpectedly, this is the ideal coverage as it is affordable and will cover you when problems arise.
If you do not have a medical aid scheme of any kind, consider what your needs are and look into one of the Bonitas Hospital plans.
The health, happiness, and well-being of your loved ones and yourself are generally at the top of most individuals list of priorities. Despite this thought and belief, there are many individuals that forget the importance of getting the correct medical aid scheme. A proper medical aid scheme is critical when it comes to the health of your family. Without a good plan in place, if something is to happen to yourself, or one of your dependents, there is a possibility that proper medical treatment and/or required hospitalisation may not occur. By taking the time to select a medical aid scheme that is right for yourself and your family you will be able to rest easy in the knowledge that you are covered. In the unfortunate event that one of you come down with an unexpected illness, or have an unforeseen accident, you will not have to wonder how you can afford the treatments and medications that you will need.
If you are uninsured and are looking to find a medical aid scheme that will work best for you and your family then consider the different plans available with Sab Medical Aid. They offer different plans that suit a variety of needs and budgets. The plans they offer are Essential Options Benefits, Comprehensive Options Benefits, Premium Table Essential Option and Premium Table Comprehensive Option. Each of these plans were designed to meet the different needs that individuals and their families have when it comes to preventative medical care, diagnosis, treatment, hospitalisation and so much more.
Each of these medical aid schemes offered by Sab Medical Aid offer a wide array of medical benefits at various levels. Just a few of the benefits that will be covered regardless of the scheme that you select include dental services, mental health assistance, ambulance services, optical services, alcoholism and drug dependency treatment. There are a host of other benefits that each of the different plans offer that will guarantee that you and your family will be taken care of regardless of your medical condition.
Do not risk the health and well-being of your family by not taking the time out of your busy schedule to find the perfect medical aid scheme for your family. By determining exactly, what you need by way of treatments in case of emergencies, as well as preventative medical treatments and diagnosis, you will not have to worry about how you will pay for the medical assistance that you may need or require at some point in your life. Do not leave your health and medical treatment to chance. Choose the one of the plans offered by Sab medical Aid and never worry about what you will do in the event of a medical emergency or illness.
Ensuring that your family and yourself are protected and receive the medical care that they may require from time to time can only be achieved if you have signed up for the correct medical aid scheme. The health of yourself and your family is not something that you should ever take for granted. Things happen, whether they be accidents or becoming suddenly ill, and when they do you need to be protected otherwise you may be in a position where you cannot receive the medical treatment that you need. As daunting, a task as finding a medical aid scheme may be there are a number of options available for you and your family. Afrox Medical Aid is a provider of medical aid that will help you ensure that when they need it, your family as the medical coverage that they need.
When it comes to selecting, the proper medical aid scheme for you and your family you need to take into consider your current age, physical condition, and medical condition. Although you may be on a tight budget, it is still extremely important that when selecting your scheme that you get the absolute best plan for your money to truly benefit from it. It is also important then you consider any of the plans offered by Afrox Medical Aid that you get a plan that covers your current condition and any plans you may have that will require medical attention, such as chronic illnesses or a future pregnancy. By getting the appropriate medical aid scheme you can rest easy in the knowledge that when you or one of your dependents become ill, that you will have the medical help ready to help with the treatment and recovery.
Some of the key benefits that are offered by Afrox Medical Aid are as follows. Most importantly, your medical aid scheme is good for the period of a year, from January 1 to December 31. This means that regardless of the day of the week, or the month you will have the help that you or your family needs. Other basic benefits are the 100% coverage of any hospitalisation that takes place throughout the year when you are required to be admitted. It is important to note that this coverage is only in effect when you are admitted into an approved hospital a co-payment is required. You and your dependents will also receive chronic medication benefits, and care for a list of 26 specified chronic conditions.
Do not leave your health or the health of your dependents at risk; look into getting the correct medical aid scheme that you require in the case of illness or accidents. Having coverage in place can make the difference between quality treatment that is covered or costly treatments.
South Africa is currently enjoying being one of the most productive nations in the world and with our growing economic success has come improvements in health care and medical services. Naspers Medial Aid is just one of many schemes on offer to help South African’s to meet the cost of improved health services. With so many programs on the market it can be difficult to stand out from the crowd, which is why Naspers has opted for a diverse range of features and benefits designed to provide a functional medical aid program to members.
In general, Naspers medical aid is only available to employees and family members of Media24 and their affiliates although in certain cases continuous membership is also available, albeit under certain restrictions.
Conditions Of Continuous Membership
On of the main reasons why continuous membership to the Naspers Medial Aid scheme may be applied is that if the employee loses their job due to illness or disability, they will continue to receive benefits even after termination of employment. Another situation in which continuous membership might apply is where member has been retrenched due to cut backs in the department that they work in. Lastly, continuous membership may be offered to those who have retired.
Basic Health Plan Options
Naspers Medical Aid offers two basic care plans to the general public, the N Option Plus and the N Option Basic. The plans each comes with their own set of benefits. On both products, one of the key features is the Chronic Illness coverage which has proved very popular with many members who are used to medical aid programs charging additional fees for this service. There is a long list of diseases which are covered by Naspers medical aid plans including, but not limited to:
Asthma
Parkinson’s Disease
Rheumatoid Arthritis
Chronic Kidney Disease
Naspers medical aid offers sufficient benefits for members to receive adequate medical care for most issues that they will encounter, although there are some diseases which will have limitations applied to them. Overall, the programs offer a good choice in medical aid with N Option Plus members getting hospitalization benefits of up to R2 million per family and Basic plan members being entitled to up to R1 million. If you are employed by Media24 or one of their subsidiaries then the Naspers medical aid program is well worth looking into.
It happens to all of us at one point or another. We fall ill, have some type of accident or someone that we know and love does. Whereas we cannot prevent accidents from happening, or illness from striking, there are things that we can do that will help us either prevent them or help us get the medical assistance we need once they do occur. The best way to do this is to look for the best medical aid scheme that will work for yourself and those that we love and are responsible for in our lives. Since medical aid schemes are so varied it is important that you determine exactly what your needs are and what sort of coverage you are going to require. This could be limited to an extremely basic scheme to something that is a bit more elaborate that offers you and your family extensive benefits. The Bonitas Hospital plan comes in two different forms and either one, is a great option for anyone seeking medical coverage.
One of the first things that you need to consider when you are looking for medical coverage is what state of health you and your family members are in at that time. If you are young, fit, and healthy, the kind of coverage you will need is a bit different from older individuals. If you are on a tight budget but are still seeking some type of medical cover there are options available for you there as well. The most important thing to remember is that basic coverage if much better to have than no cover at all in the case of a medical emergency brought on by a sudden illness or accident.
The two options that you can get from Bonitas include the BonEssential and the BonCap. Both of these medical aid plans offer a variety of medical benefits that include hospital stays and cover 26 chronic conditions. The BonCap is ideal for those that want coverage that is more comprehensive while the BonEssential is great for those young and fit individuals on a tight budget.
Protect yourself and your family by seeking out some type of medical aid scheme today. You will be able to find a plan that will not only fit into your budget but will give you the benefits that you need and require. Bonitas Hospital plan has two options that will work for you and your family regardless of your age or medical state. Simply take the time to look through all of the various benefits that they offer and get the peace of mind that comes with knowing when the unexpected happens that you and your family will be taken care of, allowing for you to focus on your recovery.
When it comes to securing access to health care, most South Africans just want a medical aid scheme which is straightforward and easy for them to understand. That is exactly what Hosmed medical aid strive to offer to their members. This particular medical aid scheme is available to both the private and public sectors in South Africa. The Hosmed medical aid scheme was first established in the late eighties with the goal of securing health care for civil employees, but it has now grown at a steady rate and now boasts around 34,000 members.
The key thing that most people look for in a medical aid program is a good selection of benefits at an affordable rate. There are three main plans offered by Hosmed medical aid all of which certainly offer a great combination of benefits that do not carry exorbitant premiums.
The Hosmed Step Option
The basic level of medical aid offered to the public is the Step Option which offers admission to any state run medical facility including hospitals, clinics and treatment centres. These admissions do need to be backed with a pre-authorisation slip. The plan also offers a number of high risk benefits including coverage for chronic illness that does not exclude HIV and AIDS. This is something that many other schemes charge a surcharge for, although the Hosmed medical aid do pace several protocols on this cover. However, HIV management cases will only be approved if the patient is a member of the scheme prior to treatment beginning.
The Hosmed Value Option
If the step plan does not seem the right fit, then the mid level plan may be a better option. The Hosmed Value Option offers most of the same benefits that the Step Option does, but one of the main additions is that this particular scheme option offers a very attractive day to day option which covers over the counter medication with a limit of R500 per family or R120 per prescription. Additional cover offered also includes treatment for mental health issues, physiotherapy and alternative therapies.
The Hosmed Plus Option
At the top level of the scale, Hosmed medical aid offer the Plus Option plan. This is the most fully comprehensive plan offered by the scheme. The over the counter medication usage limits are higher with an annual family limit of R850 and a per prescription maximum of R180. The plan also includes cover for prescription medication. There are also some increases in the day to day benefits.
The important thing to keep in mind if you feel that Hosmed medical aid is an appropriate choice for you is that you need to decide what your needs are prior to choosing a plan. This means taking a closer look at the benefits offered and also at the general health of you and your family members.
