Affordable and benefit-rich, Bonitas offers a wide range of plans to meet the needs of South Africans from all walks of life.
Fedhealth is all about customisation, choice, flexibility and control, and pays more benefits from Risk than other schemes.
Let us help you choose the right solution to fit your needs.
Help me choose
From R219 for individuals, and R385 for families, Sanlam Medical Gap Cover Insurance provides towards the difference between what your medical aid pays and the rates charged by medical specialists.
In certain cases the cost for in-hospital procedures or outpatient treatment may exceed the base medical aid rate by an additional five times. By taking out Sanlam Medical Gap Cover Insurance, you ensure that you and your family aren’t left with a large excess amount to settle.
Although it is impossible to predict future illnesses, you must ensure that the option you decide on will adequately cover you for your current needs. It is important to consult with a Sanlam Financial Adviser who will be able to assist or guide you to a health-accredited specialist to determine the most suitable option for you.
With a wide range of options available, you are able to select between savings, traditional, virtual, hospital and income-based options. You need to choose wisely so that you and your family are covered for everyday medical incidents, as well as those life-changing events such as pregnancy, accidents, or the diagnosis of dread diseases.
Medical aid schemes are governed by the Medical Schemes Act and have to adhere to a list of very specific rules and regulations that include open enrolment, standard-rate fees and cover for the diagnosis and treatment for a list of Prescribed Minimum Benefits (PMBs). Payments are normally made directly to the hospital or service provider.
Medical insurance products, on the other hand, fall under the Short-term Insurance Act with specified benefits that pay out a defined amount per day or per incident, irrespective of the medical treatment needed. Payments are made directly to the client who stays responsible for payment to service providers.
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