At a glance
- Plan type
- Comprehensive plan
- Hospitals
- Network hospitals
- Hospital and specialists
- 100% of Scheme tariff
- Savings account
- R992 a month for the main member (15%)
- Chronic conditions
- 32
- Cancer
- R280 100 a year
- Children you pay for
- Up to 3
- Children on the plan to age
- 24
- Plan type
- Comprehensive plan
- Hospitals
- Network hospitals
- Hospital and specialists
- 100% of Scheme tariff
- Day-to-day costs
- Day-to-day benefits
- Chronic conditions
- 32
- Cancer
- R292 140 a year
- Children you pay for
- Up to 3
- Children on the plan to age
- 24
Monthly contributions
2027 rates take effect on 1 January 2027. You pay for up to 3 children.
| Member | 2026 | 2027 | Change |
|---|---|---|---|
| Main member | R6 614 | R7 256 | +9.7% |
| Adult dependant | R5 298 | R5 812 | +9.7% |
| Child | R1 794 | R1 968 | +9.7% |
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 (BonComplete Hospital Network)
Bonitas Annexure B BonComprehensive BonClassic and BonComplete 2026 28112025, p20
Hospitals
Network hospitals only (BonComplete Hospital Network)
2027 Bonitas All Plans Brochures, p46
Specialists in hospital
100% of Scheme tariff. A specialist who charges more leaves a shortfall.
Bonitas BonComprehensive BonComplete 2026, p14
Specialists in hospital
100% of Scheme tariff. A specialist who charges more leaves a shortfall.
2027 Bonitas All Plans Brochures, p58
Chronic and cancer
Chronic conditions
32 conditions (the 27 on the Chronic Disease List plus others the scheme adds).
Chronic conditions
32 conditions (the 27 on the Chronic Disease List plus others the scheme adds).
2027 Bonitas All Plans Brochures, p52
Cancer
Up to R280 100 a year.
Bonitas Annexure B BonComprehensive BonClassic and BonComplete 2026 28112025, p35
Cancer
Up to R292 140 a year.
2027 Bonitas All Plans Brochures, p59
Day to day
Medical savings account
15% of your contribution goes into a savings account for day-to-day costs.
Medical savings account
2027 not in our records yet. 2026: 15% of your contribution goes into a savings account for day-to-day costs.
(2026)
Maternity
Maternity Programme, paid from savings.
Bonitas Annexure B BonComprehensive BonClassic and BonComplete 2026 28112025, p27
Maternity
Maternity Programme, paid from savings.
2027 Bonitas All Plans Brochures, p12
Children on the plan
As dependants up to age 24.
Children on the plan
As dependants up to age 24.
GP visits
100% of Bonitas Tariff for general practitioners.
Bonitas Annexure B BonComprehensive BonClassic and BonComplete 2026 28112025, p12
GP visits
Paid from available savings and/or above-threshold benefit (including virtual care consultations).
2027 Bonitas All Plans Brochures, p47
Specialist visits
Subject to available savings and/or above threshold benefit.
Bonitas Annexure B BonComprehensive BonClassic and BonComplete 2026 28112025, p13
Specialist visits
Paid from available savings and/or above-threshold benefit. GP referral required.
2027 Bonitas All Plans Brochures, p47
Prescribed medicine (acute)
Subject to available savings and/or above threshold benefit.
Bonitas Annexure B BonComprehensive BonClassic and BonComplete 2026 28112025, p28
Prescribed medicine (acute)
Paid from savings and/or above-threshold benefit. Formulary & Bonitas Pharmacy Network apply to above-threshold; 20% co-payment for non-network/non-formulary.
2027 Bonitas All Plans Brochures, p47
Basic dentistry
Subject to available savings and/or above threshold benefit.
Bonitas Annexure B BonComprehensive BonClassic and BonComplete 2026 28112025, p14
Basic dentistry
2027 not in our records yet. 2026: Subject to available savings and/or above threshold benefit.
Bonitas Annexure B BonComprehensive BonClassic and BonComplete 2026 28112025, p14 (2026)
Eyes (optometry)
Biennial Benefit.
Bonitas Annexure B BonComprehensive BonClassic and BonComplete 2026 28112025, p38
Eyes (optometry)
Paid from savings and/or above-threshold benefit, once every 2 years. Glasses OR contact lenses.
2027 Bonitas All Plans Brochures, p47
Basic X-rays
Subject to available savings and/or above threshold benefit.
Bonitas Annexure B BonComprehensive BonClassic and BonComplete 2026 28112025, p45
Basic X-rays
X-rays and ultrasounds: paid from savings and/or above-threshold benefit.
2027 Bonitas All Plans Brochures, p47
Blood tests (pathology)
Subject to the available savings and/or above threshold benefit.
Bonitas Annexure B BonComprehensive BonClassic and BonComplete 2026 28112025, p43
Blood tests (pathology)
Blood tests and other laboratory tests: paid from savings and/or above-threshold benefit.
2027 Bonitas All Plans Brochures, p47
Full benefit list
Every benefit we hold for BonComplete, 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 Annexure B BonComprehensive BonClassic and BonComplete 2026 28112025, p38
Fertility treatment
Limited to interventions and investigations as prescribed by the Regulations
Bonitas Annexure B BonComprehensive BonClassic and BonComplete 2026 28112025, p25
Day procedures
Subject to a R38 560 co-payment:
Bonitas Annexure B BonComprehensive BonClassic and BonComplete 2026 28112025, p50
Medicine on discharge
a maximum of R535 per beneficiary per admission
Bonitas Annexure B BonComprehensive BonClassic and BonComplete 2026 28112025, p21
HIV/AIDS
No limit.
Bonitas Annexure B BonComprehensive BonClassic and BonComplete 2026 28112025, p25
Hospital stay and theatre
No limit.
Bonitas Annexure B BonComprehensive BonClassic and BonComplete 2026 28112025, p20
Travel cover
For medical emergencies when travelling outside the borders of South Africa.
Bonitas Annexure B BonComprehensive BonClassic and BonComplete 2026 28112025, p54
Birth (in hospital)
No limit.
Bonitas Annexure B BonComprehensive BonClassic and BonComplete 2026 28112025, p26
Cancer treatment
R280 100 per family for oncology.
Bonitas Annexure B BonComprehensive BonClassic and BonComplete 2026 28112025, p35
Organ and stem cell transplants
No limit.
Bonitas Annexure B BonComprehensive BonClassic and BonComplete 2026 28112025, p41
Planned PMB procedures
Limited to and included in D7.1.1 or D7.2.1.
Bonitas Annexure B BonComprehensive BonClassic and BonComplete 2026 28112025, p48
Internal prostheses
R57 630 per family,
Bonitas Annexure B BonComprehensive BonClassic and BonComplete 2026 28112025, p44
Mental health admissions
R41 190 per family, unless PMB.
Bonitas Annexure B BonComprehensive BonClassic and BonComplete 2026 28112025, p31
MRI, CT and PET scans
R30 430 per family.
Bonitas Annexure B BonComprehensive BonClassic and BonComplete 2026 28112025, p46
Dialysis
No limit.
Bonitas Annexure B BonComprehensive BonClassic and BonComplete 2026 28112025, p47
Surgery and anaesthetics
100% of the negotiated fee
Bonitas Annexure B BonComprehensive BonClassic and BonComplete 2026 28112025, p3
Specialised (biological) medicine in hospital
No benefit, unless PMB.
Bonitas Annexure B BonComprehensive BonClassic and BonComplete 2026 28112025, p31
Step-down and sub-acute care
R21 570 per family.
Bonitas Annexure B BonComprehensive BonClassic and BonComplete 2026 28112025, p24
Step-down and sub-acute care
R67 270 per family for all services.
Bonitas Annexure B BonComprehensive BonClassic and BonComplete 2026 28112025, p24
Day to day
Prescribed medicine (acute)
Subject to available savings and/or above threshold benefit.
Bonitas Annexure B BonComprehensive BonClassic and BonComplete 2026 28112025, p28
Alternative healthcare
Subject to available savings and/or above threshold benefit.
Bonitas Annexure B BonComprehensive BonClassic and BonComplete 2026 28112025, p7
Medical appliances
Subject to available savings and/or above threshold benefit.
Bonitas Annexure B BonComprehensive BonClassic and BonComplete 2026 28112025, p8
Auxiliary services
Subject to available savings and/or above threshold benefit.
Bonitas Annexure B BonComprehensive BonClassic and BonComplete 2026 28112025, p42
Chronic medicine (Chronic Disease List)
Prescribed Minimum Benefits plus the 4 conditions for children,
Bonitas Annexure B BonComprehensive BonClassic and BonComplete 2026 28112025, p29
Chronic medicine (other conditions)
Prescribed Minimum Benefits plus the 4 conditions for children, as specified in Annexure D paragraph 6.4.3, at the DSP. 30% co-payment applies for non-formulary drugs used voluntarily and for the voluntary use of a non-DSP. Subject to the Bonitas Pharmacy Network. R165 per beneficiary per month for Depression, subject to managed care protocols and the DSP.
Bonitas Annexure B BonComprehensive BonClassic and BonComplete 2026 28112025, p29
Contraceptives
Limited to R2 050 per family.
Bonitas Annexure B BonComprehensive BonClassic and BonComplete 2026 28112025, p28
Specialised dentistry
1 Crown per family
Bonitas Annexure B BonComprehensive BonClassic and BonComplete 2026 28112025, p17
Basic dentistry
Subject to available savings and/or above threshold benefit.
Bonitas Annexure B BonComprehensive BonClassic and BonComplete 2026 28112025, p14
Casualty visits
Limited to 2 emergency rooms visits per family
Bonitas Annexure B BonComprehensive BonClassic and BonComplete 2026 28112025, p21
GP visits
100% of Bonitas Tariff for general practitioners.
Bonitas Annexure B BonComprehensive BonClassic and BonComplete 2026 28112025, p12
Hearing aids
Limited to R10 090 per device (maximum of two
Bonitas Annexure B BonComprehensive BonClassic and BonComplete 2026 28112025, p8
Maternity care (out of hospital)
6 ante-natal consultations by a specialist, general practitioner or midwife.
Bonitas Annexure B BonComprehensive BonClassic and BonComplete 2026 28112025, p27
Psychologist and counselling visits
R20 310 per family, limited to and included in D12.1.
Bonitas Annexure B BonComprehensive BonClassic and BonComplete 2026 28112025, p32
Eyes (optometry)
Biennial Benefit.
Bonitas Annexure B BonComprehensive BonClassic and BonComplete 2026 28112025, p38
Over-the-counter medicine
Limited to and included in D11.1.
Bonitas Annexure B BonComprehensive BonClassic and BonComplete 2026 28112025, p29
Blood tests (pathology)
Subject to the available savings and/or above threshold benefit.
Bonitas Annexure B BonComprehensive BonClassic and BonComplete 2026 28112025, p43
Physiotherapy and other therapists
Subject to available savings and/or above threshold benefit.
Bonitas Annexure B BonComprehensive BonClassic and BonComplete 2026 28112025, p44
Care after a hospital stay
No limit.
Bonitas Annexure B BonComprehensive BonClassic and BonComplete 2026 28112025, p24
Basic X-rays
Subject to available savings and/or above threshold benefit.
Bonitas Annexure B BonComprehensive BonClassic and BonComplete 2026 28112025, p45
MRI, CT and PET scans
Limited to and included in D21.2.1.
Bonitas Annexure B BonComprehensive BonClassic and BonComplete 2026 28112025, p46
Specialist visits
Subject to available savings and/or above threshold benefit.
Bonitas Annexure B BonComprehensive BonClassic and BonComplete 2026 28112025, p13
Procedures in the doctor’s rooms
Subject to available savings and/or above threshold
Bonitas Annexure B BonComprehensive BonClassic and BonComplete 2026 28112025, p33
Screening and prevention
Screening and prevention
1 basic cytology test per annum or the HPV PCR once every 5 years.
Bonitas Annexure B BonComprehensive BonClassic and BonComplete 2026 28112025, p51
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 BonComplete’s 2026 chronic list:
Others on its list have no page of ours yet.
Questions about BonComplete
Answered from Bonitas’s documents.
How much does BonComplete cost in 2027?
From 1 January 2027: R7 256 a month for the main member, R5 812 for an adult dependant and R1 968 for a child. You pay for up to 3 children.
How much is BonComplete going up for 2027?
For the main member, from R6 614 to R7 256 a month, +9.7%.
Does BonComplete pay for GP visits and day-to-day costs?
It has day-to-day benefits; the fact sheet above lists what we hold.
How many chronic conditions does BonComplete cover?
32: the 27 on the Chronic Disease List and others the scheme adds.
Until what age can children stay on as dependants?
Up to age 24.
Will I have a shortfall if my specialist charges more?
BonComplete 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.