2020
Changes and
enhancements
The past 18 months have been challenging for the private healthcare sector. The industry and consumers have been severely
burdened by the weak economic climate and Bonitas was not spared. Despite this, we have made great strides in ensuring
that our offerings for 2020 will go a long way towards addressing the challenges faced by consumers.
BonCap
Income-based options require income cross
subsidisation and affordability to remain sustainable.
The medical schemes industry has been severely
challenged in this regard. Despite this, we firmly believe
that the BonCap option will improve the accessibility
and affordability of healthcare. For this reason, we’ve
broadened the income bands on the option to appeal
to a wider population.
BonEssential,
BonEssential
Select and Hospital
Standard
For 2020, these will be:
• R0 to R8 520
• R8 521 to R13 840
• R13 841 to R18 900
• R18 901 +
To ensure the sustainability of BonCap, we
intensified our risk management measures to ensure
compliance to applicable networks. As a result, the
co-payment for the use of non-network hospitals or
late pre-authorisation will be R10 000, to improve
the uptake of network hospital use. In addition,
in-hospital cover for auxiliary care will be for PMBs
only.
The introduction of BonEssential Select and the
amendments made to our hospital plans in 2019, have
allowed Bonitas to be more aggressive in this market
sector. We are actively targetting a younger, healthier
profile member who requires hospital cover. Members
have the choice of access to all hospitals through
BonEssential or an approximate 15% reduction in
contributions through BonEssential Select.
To sustain the growth experienced over the past
nine months, we have enhanced the specialised
radiology benefit on BonEssential and BonEssential
Select to pay for specialised radiology – not only in-
hospital but out-of-hospital as well.
We have also repositioned this option to be the ideal
choice for groups. Our underwriting protocols have
been adjusted to contribute favourably towards
growth and address the current risks of this option.
Auxiliary benefits will be limited to PMB care only on
Hospital Standard, BonEssential and BonEssential
Select to ensure members get the cover they need.
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