Bonitas Medical Aid

    Bonitas: BonCap

    Capitated
    2026 Plan
    From R 4 177/month

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    Heads up: This is general information, not financial advice. Pricing is sourced from the official Bonitas 2026 brochure but may change — always confirm directly with Bonitas before joining.

    Monthly Contributions

    Main memberR 4 177
    Adult dependantR 4 177
    Child dependantR 1 585

    Income-banded pricing:

    R0 TO R11 930R 1 730 / R 1 730 / R 815
    R11 931 TO R19 350R 2 111 / R 2 111 / R 971
    R19 351 TO R25 170R 3 404 / R 3 404 / R 1 288
    R25 171+R 4 177 / R 4 177 / R 1 585

    Hospital Cover

    Limit: Unlimited
    Network: Restrictive network
    Network name: BonCap network

    You will have to pay a 30% co-payment if you use a non-network hospital (except for emergencies) or if you do not get pre-authorisation within 48 hours of admission.

    Chronic Cover

    28 conditions covered (27 PMB + 1 additional)
    Pharmacy: Marara Pharmacy

    Maternity

    2 ultrasound scans

    4 consultations with a midwife after delivery (1 of these can be used for a consultation with an accredited lactation specialist)

    Plan highlights

    • Unlimited GP or Registered Nurse consultations, using a BonCap network GP
    • Hospitalisation is covered at 100% of the BonCap Rate at all hospitals on the applicable network
    • Cover for 28 chronic conditions
    • Glasses or contact lenses are available through the contracted service provider once every 2 years
    • Dependants up to age 24 years pay child rates

    Who is BonCap for?

    • Members happy to use a defined network of GPs and hospitals in exchange for lower premiums
    • People prioritising affordable monthly contributions over freedom of choice
    • Members on income-banded pricing — pay according to what you earn

    This is general guidance. Use our free calculator to see whether this plan matches your specific needs and budget.

    What's covered

    • Unlimited hospital cover at restrictive network
    • 28 chronic conditions (27 PMB + 1 additional)
    • Day-to-day pool up to R 5 220 per family per year
    • 2 pregnancy ultrasound scans
    • All Prescribed Minimum Benefits (PMB) — required by South African law

    What to watch out for

    • Planned admissions at hospitals outside the network — co-payments apply
    • Cosmetic procedures, alternative therapies and certain elective treatments
    • Out-of-hospital costs above your annual day-to-day limit (where applicable)

    Compare with similar Bonitas plans

    BonSave

    Savings
    From R 4 047/month
    28 chronic conditions
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    Primary

    Network
    From R 3 588/month
    28 chronic conditions
    Restrictive network

    Hospital Standard

    Hospital Plan
    From R 3 561/month
    28 chronic conditions
    Restrictive network

    Frequently asked questions

    Find my best plan See all Bonitas plansOfficial brochure

    Source: Bonitas BonCap 2026 Brochure — accessed 2026-04-28.

    All benefits and limits are per calendar year, unless otherwise stated.

    Managed Care protocols apply.

    All benefits are approved by the Council for Medical Schemes.

    PMB = Prescribed Minimum Benefits. DSP = Designated Service Provider.

    Pricing and benefits sourced from official 2026 Bonitas brochures. Final premiums confirmed by Bonitas at application.