22 October 2013
Dear Bonitas member,
BONITAS MEDICAL FUND CHANGES FOR 2014
Bonitas recently made their 2014 benefits and contributions available and you are once again given the opportunity to change your plan option with effect from 1 January 2014. You therefore need to consider your healthcare requirements for the following year and decide if you have the most appropriate cover for your needs. You are under no obligation to change your plan option, but if you want to change your current plan option, you would need to submit your new plan option information to your Carolyn De Kock before 29 November 2013.
CHANGING YOUR PLAN OPTION
Bonitas will send you a brochure containing a detailed summary of the 2014 benefits and rates. After carefully studying the changes for 2014 you will need to decide whether you wish to change your plan option.
Please note that if you do not notify Carolyn De Kock of your plan option before the above deadline date, by completing the attached option change form, you will remain on your current option for 2014.
ASSISTANCE WITH CHOOSING YOUR PLAN OPTION
Members may contact Bonitas Medical Fund for general plan information by:
· Phoning 0860002108
· Browsing the website www.bonitas.co.za
Alexander Forbes Health consultants will be available to assist you to make the right plan option choice and to provide advice:
CONTRIBUTION INCREASES FOR 2014
The scheme announced an average weighted increase in contributions of 10.6% for 2014. The increase does vary per option.
SCHEME REBRANDING
The scheme has rebranded and adopted a new logo:
KEY HIGHLIGHTS TO THE BENEFITS ARE:
Ø Overall Annual Limit on Primary and BonCap options removed
Ø 10% increase on the Day-to-Day benefits for Standard and Primary
Ø Specialised dentistry co-payments on the Standard option has been reviewed
Ø Optometry benefits on the traditional options have been increased
Ø Non-oncology biological medication added to the BonClassic option
Ø Lower contribution increase for the BonComprehensive option
Ø Self Payment Gaps on BonComprehensive option have been decreased
Ø Fourth income band introduced on the BonCap option
Ø Income bands on BonCap option increased by an average of 5.6%
Ø A loyalty programme will be introduced in 2014
SUMMARY OF THE BENEFIT CHANGES PER OPTION FOR 2014
BonComprehensive (NewGen option) / Standard (Traditional option)· Most major medical benefits have increased with inflation
· Self Payment Gap reduced
· Lower overall contribution increase
· Threshold levels increased by 5.3% on average
o / · Most major medical benefits have increased with inflation
· Day – to – day benefits increased by 10%
· Frame benefit increased to R 800
· Contact lens increased to R1150
· Co-payments on all specialised dentistry has been removed, with the exception of orthodontic treatment
BonSave (NewGen option) / BonClassic (NewGen option)
· Most major medical benefits have increased with inflation / · Most major medical benefits have increased with inflation
· Hearing aid benefit increased to R13800
· Mental health benefit increased to R31700
· Specialised radiology increased to R22200
· New addition of a Cochlear implants benefit at R158000
· Non-oncology biological medication added to the
· BonClassic option
· Single vision lenses decreased to R 185, Bifocal to R 430, Mutifocals to R 750
· Contact lenses increased to R1635
Primary (Traditional option) / BonCap (Capitation option)
· Most major medical benefits have increased with inflation
· Overall annual limit has been removed
· Frame benefit increased to R 300
· Clear multifocal lenses increased to R 600
· Contact lens benefit increase to R 700 / · Most major medical benefits have increased with inflation
· Overall annual limit has been removed
· Additional Income band added
· Income bands have been increased by an average of 5.6%
· Overall lower contribution increase
BonEssential (Hospital plan only) / o
· Most major medical benefits have increased with inflation
o / o
NEW LOYALTY PROGRAMME
Bonitas will be launching a loyalty programme into 2014. This programme will reward members by giving access to the following benefits;
Ø Mother & Baby / Ø Assistance benefitsØ Airtime & Electricity / Ø Financial products
Ø Retail Partners / Ø Health & Wellness
Ø Travel & Leisure
More information will follow as soon as the scheme makes it available.
WHEN WILL MEMBER INFORMATION SESSIONS BE HELD?
Your Alexander Forbes Health consultant or a Bonitas representative will do presentations on the 2014 plan options. You should make every effort to attend a session, even if you do not change your plan option. This will ensure that you understand the benefits that will be available to you in 2014.
GAP COVER MEDICAL INSURANCE
Xelus
Xelus is a specially designed product which provides cover for the shortfall or gap, in the event of hospitalisation involving surgery or medical treatment and for certain procedures performed on an outpatient basis.
The contribution for the mentioned policy will increase as follows:
Gap Fusion - R126.(2013) to R136 per family per month with effect from 1 January 2014.
In Hospital / Core Benefits / FusionOverall Limit / R1000 000
Tariff Shortfalls / 5 x scheme tariff
Co – Payments & Deductibles / Unlimited
Shortfalls from Sub limits / Max R30000 per event/
condition
Out of Hospital / Oncology / 20% (Max R250000)
Tariff Shortfalls / Scopes/Wisdoms/Oncology/
Dialysis/Birth
Alexander Forbes Health is available to help you to make the right choice.
Yours in health
Alexander Forbes Health
To keep your finger on the pulse of the Medical Scheme industry, follow us on Twitter on @AF_Health.
Bonitas Scheme / Alexander Forbes Health – Durban / Alexander Forbes Health – Durban / Xelus Gap CoverTel: 0860002108
Email:
/ Tel: 031573 8200
Email: / Tel: 031573 8076
Email: / Tel: 011 3272811
Email:
Website: www.xelus.co.za
Alexander Forbes Health will endeavour to keep you informed as further information becomes available or changes. This document serves as a simple summary of Bonitas Medical Fund Scheme changes for 2014 and is not a comprehensive description of all changes, nor is it intended as advice. Alexander Forbes Health (Pty) Ltd will not be held liable for any errors herein. E & OE apply.
CONTRIBUTION TABLES FOR 2014
BonComprehensive / Principal member / Adult dependant / Child dependantRisk / R 3 066 / R 2 891 / R 624
Savings / R 541 / R 511 / R 110
Total / R 3 607 / R 3 402 / R 734
Threshold Levels / 7 400 / 6 700 / 1 950
Self Funding Gap / R 908 / R 568 / R 630
BonClassic / Principal member / Adult dependant / Child dependant
Risk / R 2 261 / R 1 942 / R 558
Savings / R 252 / R 216 / R 62
Total / R 2 513 / R 2 158 / R 620
Standard / Principal member / Adult dependant / Child dependant
Total / R 2 186 / R 1 891 / R 639
BonSave / Principal member / Adult dependant / Child dependant
Risk / R 1 293 / R 1 002 / R 388
Savings / R 265 / R 205 / R 80
Total / R 1 558 / R 1 207 / R 468
Primary / Principal member / Adult dependant / Child dependant
Total / R 1 412 / R 1 105 / R 450
BonEssential / Principal member / Adult dependant / Child dependant
Total / R 1 085 / R 830 / R 318
BonCap / Principal member / Adult dependant / Child dependant
R 0 to R5 700
Total / R 615 / R 583 / R 290
R 5 701 to R 9 300
Total / R 748 / R 707 / R 342
R 9301 to R 12 700
Total / R 1219 / R 1 086 / R 462
R 12701+
Total / R 1 496 / R 1 332 / R 567
Alexander Forbes Health will endeavour to keep you informed as further information becomes available or changes. This document serves as a simple summary of Bonitas Medical fund changes for 2014 and is not a comprehensive description of all changes, nor is it intended as advice. Alexander Forbes Health (Pty) Ltd will not be held liable for any errors herein. E & OE apply.