Must know info 2017

PREFERRED PROVIDERS AND DESIGNATED SERVICE PROVIDERS

We negotiate rates with preferred providers and Designated Service Providers to ensure that they do not charge you more than the agreed rate. This will ensure that your benefits last as long as possible and give you more value for money.

Please note: A co-payment will apply should you not make use of a Designated Service Provider. To view the list of Designated Service Providers click here.

UNDERSTANDING THE BONITAS RATE

The Bonitas Rate is the rate at which we reimburse healthcare providers. Where we pay 100% of the Bonitas Rate and your healthcare provider charges more than this, you will have to pay the outstanding amount. For example, if you visit a healthcare provider that charges 200% of the medical aid rate and you receive a bill of R1 000, we willonly pay R500.

If you visit a healthcare provider that charges the Bonitas Rate, we will pay the bill in full (provided that you have benefits available).

On some options we pay more than 100% of the Bonitas Rate.

PROVIDERS ON THE NETWORK WILL BE PAID IN FULL

We encourage all our members to use providers on our network, as this will ensure that providers are paid in full (provided that you have benefits available).

DEPENDANTS

An adult dependant is any dependant on your medical aid who is 21 years or older.

A child dependant is any dependant on your medical aid who is under 21 years.

If your child is a student and is registered on your medical aid, child rates will apply up to and including the last day of the month in which he/she turns 24 years old. We will require valid proof of registration from a recognised tertiary institution for child rates to apply to a student.

UNDERWRITING

Late-joiner penalties and waiting periods may apply to your membership. This is a requirement of the Medical Schemes Act 131 of 1998. A late-joiner penalty applies to members over 35 years of age or older, who have had a break in medical aid membership for more than 3 months from 1 April 2001. Late-joiner penalties will result in your premium being increased. This is based on a specific calculation considering the number of years you have not been a member of a medical aid.

A general waiting period lasts 3 months. During this period you and your dependants are not entitled to claim any benefits, except, Prescribed Minimum Benefits in some circumstances.

A condition-specific waiting period lasts 12 months. During this period you and your dependants are not entitled to claim benefits related to a specific condition.

PRORATION OF BENEFITS

If you join Bonitas during the year, benefits will automatically be prorated. This means that you will only have access to a percentage of your benefits, based on the month you join us, until the next benefit year begins. For example, if you join in June, you will have access to six months’ worth of benefits, which is 50% of the total benefits.

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