At a glance
- Plan type
- Hospital plan
- Hospitals
- Network hospitals
- Hospital and specialists
- 100% of Scheme tariff
- Day-to-day costs
- Your own
- Chronic conditions
- 28
- Cancer
- PMB level of care
- Children on the plan to age
- 24
- Priced by
- Household income (4 bands)
- Plan type
- Hospital plan
- Hospitals
- Network hospitals
- Hospital and specialists
- 100% of Scheme tariff
- Day-to-day costs
- Your own
- Chronic conditions
- 28
- Cancer
- PMB level of care
- Children on the plan to age
- 24
- Priced by
- Household income (4 bands)
Monthly contributions
2027 rates take effect on 1 January 2027.
| Household income (2026) | Main member | Adult | Child |
|---|---|---|---|
| R0 to R11 930 | R1 730 | R1 730 | R815 |
| R11 931 to R19 350 | R2 111 | R2 111 | R971 |
| R19 351 to R25 170 | R3 404 | R3 404 | R1 288 |
| R25 171+ | R4 177 | R4 177 | R1 585 |
| Household income (2027) | Main member | Adult | Child |
|---|---|---|---|
| R0 to R12 400 | R1 929 | R1 929 | R909 |
| R12 401 to R20 100 | R2 354 | R2 354 | R1 083 |
| R20 101 to R26 200 | R3 795 | R3 795 | R1 436 |
| R26 201+ | R4 657 | R4 657 | R1 767 |
The income bands are the scheme's own and can move from year to year.
Benefits
Bonitas has published its full 2027 rules, but we hold only the main rows so far. A row without a 2027 entry shows the 2026 rule, marked.
Benefits in force for 2026.
In hospital
Hospitals
Network hospitals only (BonCap hospital Network)
Bonitas 2026 Annexure B BonCap, p12
Hospitals
Network hospitals only (BonCap hospital Network)
2027 Bonitas All Plans Brochures, p140
Specialists in hospital
100% of Scheme tariff. A specialist who charges more leaves a shortfall.
Bonitas BonCap 2026, p10
Specialists in hospital
100% of Scheme tariff. A specialist who charges more leaves a shortfall.
2027 Bonitas All Plans Brochures, p140
Chronic and cancer
Chronic conditions
28 conditions (the 27 on the Chronic Disease List plus others the scheme adds).
Chronic conditions
28 conditions (the 27 on the Chronic Disease List plus others the scheme adds).
2027 Bonitas All Plans Brochures, p139
Cancer
Cover at the PMB level of care, through Bonitas Oncology Network.
Bonitas 2026 Annexure B BonCap, p20
Cancer
Cover at the PMB level of care.
2027 Bonitas All Plans Brochures, p141
Day to day
Maternity
Maternity Programme, paid from savings.
Bonitas 2026 Annexure B BonCap
Maternity
Maternity Programme, paid from savings.
2027 Bonitas All Plans Brochures, p133
Children on the plan
As dependants up to age 24.
Children on the plan
As dependants up to age 24.
GP visits
Unlimited GP/Registered Nurse visits
Bonitas 2026 Annexure B BonCap, p7
GP visits
Unlimited GP or Registered Nurse consultations using a maximum of 2 nominated BonCap network GPs; covered at 100% of BonCap Rate; approval required from 8th consultation per beneficiary
2027 Bonitas All Plans Brochures, p132
Specialist visits
Limited to R4 060 per beneficiary or R6 030 per family.
Bonitas 2026 Annexure B BonCap, p8
Specialist visits
Maximum of 3 visits limited to R4 220 per beneficiary; maximum of 5 visits limited to R6 270 per family; subject to BonCap Specialist network and referral from network GP; pre-auth required (incl MRIs/CT scans)
2027 Bonitas All Plans Brochures, p132
Prescribed medicine (acute)
Included in D5.1.3 and D5.2.2.
Bonitas 2026 Annexure B BonCap, p16
Prescribed medicine (acute)
GP-referred acute medicine, X-rays and blood tests: R2 490 (M) / R4 150 (M+1) / R4 970 (M+2) / R5 430 (M+3) / R6 020 (M+4+); 20% co-payment at non-DSP; subject to formulary/pharmacy networks
2027 Bonitas All Plans Brochures, p132
Basic dentistry
Limited to one general check-up per beneficiary per year.
Bonitas 2026 Annexure B BonCap, p9
Basic dentistry
DENIS network, Bonitas Dental Tariff; 1 consultation, 4 intra-oral X-rays, 1 scaling & polishing, 2 fillings per beneficiary; fluoride/fissure sealants for under-16s; extractions per DENIS protocols
2027 Bonitas All Plans Brochures, p132
Eyes (optometry)
Benefit availability is subject to a 24 month cycle
Bonitas 2026 Annexure B BonCap, p22
Eyes (optometry)
Glasses or contact lenses once every 2 years; 1 composite eye test per beneficiary (network) or R433 non-network; frames R303 network/R227 non-network; contact lenses R1 375 per beneficiary
2027 Bonitas All Plans Brochures, p132
Basic X-rays
Limited to and included in D5.1.3 and D5.2.2.
Bonitas 2026 Annexure B BonCap, p28
Basic X-rays
GP-referred X-rays included in GP-referred acute medicine, X-rays and blood tests limit (R2 490 M ... R6 020 M+4+)
2027 Bonitas All Plans Brochures, p132
Blood tests (pathology)
Limited and included in D5.1.3 and D5.2.2.
Bonitas 2026 Annexure B BonCap, p26
Blood tests (pathology)
GP-referred blood tests included in GP-referred acute medicine, X-rays and blood tests limit (R2 490 M ... R6 020 M+4+); 20% co-payment at non-DSP
2027 Bonitas All Plans Brochures, p132
Full benefit list
Every benefit we hold for BonCap, in Bonitas’s own wording, from its 2026 documents. Bonitas’s full 2027 list is not in our records yet.
In hospital
Palliative care
No limit.
Bonitas 2026 Annexure B BonCap, p21
Fertility treatment
Not covered. Assisted Reproductive Technology (ART),
Bonitas 2026 Annexure C including BonPrime and BonCore, p13
Day procedures
30% co-payment applies for non-network hospital
Bonitas 2026 Annexure B BonCap, p11
Medicine on discharge
to a maximum of R470 per beneficiary per admission
Bonitas 2026 Annexure B BonCap, p11
HIV/AIDS
Prescribed Minimum Benefits only
Bonitas 2026 Annexure B BonCap, p14
Hospital stay and theatre
No limit.
Bonitas 2026 Annexure B BonCap, p11
Travel cover
Not covered. No benefit.
Bonitas 2026 Annexure B BonCap, p32
Birth (in hospital)
No limit, at 100% of the BonCap Tariff for the general practitioner or medical specialist.
Bonitas 2026 Annexure B BonCap, p15
Cancer treatment
Limited to PMBs.
Bonitas 2026 Annexure B BonCap, p20
Organ and stem cell transplants
Prescribed Minimum Benefits only at a BonCap
Bonitas 2026 Annexure B BonCap, p23
Planned PMB procedures
No benefit except for PMBs.
Bonitas 2026 Annexure B BonCap, p19
Internal prostheses
No benefit, except for PMBs.
Bonitas 2026 Annexure B BonCap, p27
Mental health admissions
Limited to PMBs and subject to the BonCap DSP.
Bonitas 2026 Annexure B BonCap, p18
MRI, CT and PET scans
R14 250 per family.
Bonitas 2026 Annexure B BonCap, p28
Dialysis
No limit.
Bonitas 2026 Annexure B BonCap, p29
Surgery and anaesthetics
The BonCap Fund Tariff is defined as the BonCap monetary tariffs applicable in 2025 increased by an average of 3.9%.
Bonitas 2026 Annexure B BonCap, p2
Specialised (biological) medicine in hospital
No benefit, except for PMBs.
Bonitas 2026 Annexure B BonCap, p17
Step-down and sub-acute care
R17 550 per family.
Bonitas 2026 Annexure B BonCap, p14
Step-down and sub-acute care
Limited to R63 340 per family.
Bonitas 2026 Annexure B BonCap, p14
Day to day
Prescribed medicine (acute)
Included in D5.1.3 and D5.2.2.
Bonitas 2026 Annexure B BonCap, p16
Alternative healthcare
Not covered. No benefit.
Bonitas 2026 Annexure B BonCap, p5
Medical appliances
R7 370 per family.
Bonitas 2026 Annexure B BonCap, p6
Auxiliary services
No benefit, except for PMBs.
Bonitas 2026 Annexure B BonCap, p25
Chronic medicine (Chronic Disease List)
Prescribed Minimum Benefits only at contracted provider and subject to the formulary.
Bonitas 2026 Annexure B BonCap, p17
Chronic medicine (other conditions)
R165 per beneficiary per month for Depression, subject to managed care protocols and the DSP. Restricted to a maximum of one month's supply unless pre-authorised.
Bonitas 2026 Annexure B BonCap, p17
Contraceptives
Limited to R1 330 per family.
Bonitas 2026 Annexure B BonCap, p17
Specialised dentistry
Not covered. No benefit.
Bonitas 2026 Annexure B BonCap, p10
Basic dentistry
Limited to one general check-up per beneficiary per year.
Bonitas 2026 Annexure B BonCap, p9
Casualty visits
Limited to 2 emergency room visits per family
Bonitas 2026 Annexure B BonCap, p12
GP visits
Unlimited GP/Registered Nurse visits
Bonitas 2026 Annexure B BonCap, p7
Hearing aids
Not covered. No benefit.
Bonitas 2026 Annexure B BonCap, p6
Maternity care (out of hospital)
Limited and included in D5.1.2.
Bonitas 2026 Annexure B BonCap, p16
Psychologist and counselling visits
Limited to and inclusive of D5.2.2.
Bonitas 2026 Annexure B BonCap, p19
Eyes (optometry)
Benefit availability is subject to a 24 month cycle
Bonitas 2026 Annexure B BonCap, p22
Over-the-counter medicine
Limited to R120 per event and maximum R340 per beneficiary per annum.
Bonitas 2026 Annexure B BonCap, p17
Blood tests (pathology)
Limited and included in D5.1.3 and D5.2.2.
Bonitas 2026 Annexure B BonCap, p26
Physiotherapy and other therapists
No benefit, except for PMBs.
Bonitas 2026 Annexure B BonCap, p26
Care after a hospital stay
No Limit.
Bonitas 2026 Annexure B BonCap, p14
Basic X-rays
Limited to and included in D5.1.3 and D5.2.2.
Bonitas 2026 Annexure B BonCap, p28
MRI, CT and PET scans
Limited and included in D5.2.2.
Bonitas 2026 Annexure B BonCap, p28
Specialist visits
Limited to R4 060 per beneficiary or R6 030 per family.
Bonitas 2026 Annexure B BonCap, p8
Procedures in the doctor’s rooms
Limited and included in D5.2.1
Bonitas 2026 Annexure B BonCap, p30
Screening and prevention
Screening and prevention
HIV test annually
Bonitas 2026 Annexure B BonCap, p31
Conditions
The Chronic Disease List conditions are Prescribed Minimum Benefits on every medical aid. How each one works on a medical aid:
- Addison's Disease
- Asthma
- Bipolar Disorder
- Bronchiectasis
- Dysrhythmia
- Heart Failure
- Cardiomyopathy
- COPD
- Chronic Kidney Disease
- Coronary Artery Disease
- Crohn's Disease
- Type 1 Diabetes
- Type 2 Diabetes
- Epilepsy
- Glaucoma
- Haemophilia
- HIV (Human Immunodeficiency Virus)
- High Cholesterol
- Hypertension
- Hypothyroidism
- Multiple Sclerosis
- Parkinson's Disease
- Rheumatoid Arthritis
- Schizophrenia
- Systemic Lupus Erythematosus (SLE)
- Ulcerative Colitis
Bonitas also names these on BonCap’s 2026 chronic list:
Questions about BonCap
Answered from Bonitas’s documents.
How much does BonCap cost in 2027?
From 1 January 2027 it depends on household income. In the lowest band, R1 929 a month for the main member; in the highest, R4 657.
Does BonCap pay for GP visits and day-to-day costs?
No. BonCap is a hospital plan, so day-to-day costs are your own.
How many chronic conditions does BonCap cover?
28: the 27 on the Chronic Disease List and others the scheme adds.
Is cancer treatment covered?
Yes, at the PMB level of care.
Until what age can children stay on as dependants?
Up to age 24.
Will I have a shortfall if my specialist charges more?
BonCap pays specialists in hospital at 100% of the Scheme tariff. If a specialist charges more than that, the difference is a shortfall. Gap cover is the product that pays shortfalls.
Factual information from Bonitas Medical Fund’s published documents. It is not advice. Compiled by Eldon de Waal, CFA, the licensed advisor behind AURA. Catalogue v175, built 2026-10-19.