About Bonitas

Mr LR Callakoppen holds a Master HR Professional (SA Board for People Practices), MPhil (Human Resource) and Industrial Sociology and Information Science Honours Degree from the University of Johannesburg. He also holds a Global Executive Development Qualification (GEDP) from GIBS and completed the Professional Trustee Development Programme at Wits Business School. He also recently completed a Executive and Management Coaching Programme through University of Cape Town.

He has a wealth of experience at an executive level with specialisation in human capital, transformation and operational management across multiple sectors. He has been involved with Medscheme and the AfroCentric Group in various functions for over 13 years, including heading up the Bonitas business unit. He served on the BHF Board and was Chair of the BHF Finance and Audit Committee

Ms V Rikhotso is a chartered accountant registered with the South African Institute of Chartered Accountants. She has 16 years of experience in the public and private sectors with extensive leadership roles in risk, compliance and financial management. She played a vital role in establishing the financial services division within the Auditor‑General of South Africa, serving as an audit manager for key entities including the Public Investment Corporation, Development Bank of Southern Africa and South African Revenue Service.

Prior to joining Bonitas, Ms Rikhotso held the position of Senior Specialist: Governance, Risk and Control at Transnet SOC Ltd. She was responsible for establishing and maintaining sustainably effective internal controls across the Transnet Corporate Centre operating division, identifying areas that require financial and operational improvements, and driving the development of appropriate models/solutions to sustainably address risks and compliance with applicable legislation.

She previously served on the Bonitas Board, where she was instrumental in providing strategic oversight and promoting financial stewardship.

Mr Perumal holds an MBA (specialisation in Healthcare Management) and brings over 32 years of progressive experience in the healthcare funding and administration industry. He currently serves as Chief Operations Officer at Bonitas Medical Fund, where he provides strategic oversight of operations, governance, digital transformation, risk management, and outsourced service provider performance. His career includes senior executive leadership roles at Medscheme and within the AfroCentric Group, where he led multi-country operations across several African markets, drove business expansion initiatives, and oversaw large-scale system and operational transformations.

Mr Perumal is recognised for his strong governance acumen, deep understanding of the Medical Schemes Act and regulatory frameworks, and expertise in technology enablement, SLA optimisation, and enterprise risk management. His passion for operational excellence is underpinned by Six Sigma principles and a disciplined, analytical approach to complex problem-solving. He has successfully led strategic projects including digital roadmaps, data warehouse implementation, mobile and customer engagement platforms, benefit design, and major business integrations.

A results-driven executive, Mr Perumal combines strategic thinking with hands-on execution, consistently delivering service excellence, innovation, and sustainable operational performance within highly regulated healthcare environments.

Dr T Hadebe is a qualified medical practitioner from Stellenbosch University. He also holds postgraduate qualifications, including in business studies and occupational health, and has a keen interest in global health matters. He has over 13 years of work experience in both the private and public healthcare sectors and has held numerous clinical managerial roles. Dr Hadebe’s client‑centred and value‑based approach to healthcare ensures that he succeeds in his roles whilst delivering optimal healthcare to clients. He currently serves on the BHF Board.

Ms M Marais holds a BCom (Financial Accounting) and BCom Honours (Internal Audit) from the University of Pretoria, and she is a qualified Certified Internal Auditor. Before joining Bonitas, she was a Senior Manager in the Financial Services–Risk Assurance division at PwC. Ms Marais has over 22 years of experience in internal audit, governance, compliance and risk management within the financial services sector, and more specifically, the medical scheme and healthcare industry. She is a member of the Institute of Internal Auditors and, through them, has obtained certification in Risk Management Assurance.

Ms M Monyatsi holds a Professional Advanced Qualification in Governance and Administration, a Postgraduate Diploma in Management Practice from a reputable international business school, and Postgraduate Certificates in Company Law, Advanced Company Law, and Governance, Risk and Compliance from Wits University. Ms Monyatsi has over 21 years of company secretarial experience working directly with Boards in the trade union environment, with nongovernmental healthcare organisations and in the medical schemes industry, and she specialises in Board administration, corporate governance, company law, compliance and King IV™.