In this article, Bonitas vs Momentum Health we will take a closer look between the two, their pricing, reviews and packages.
Bonitas is a well-known medical aid provider in South Africa, with over 40 years of experience in delivering affordable and comprehensive healthcare solutions. Renowned for its commitment to accessible and quality healthcare, Bonitas offers a range of plans catering to various individual and family needs. The provider features both network and non-network plans, including popular options such as BonCap (income-based plans), BonEssential, BonEssential Select, BonStart, Bon Start Plus, Hospital Standard, BonFit Select, Primary, Primary Select, BonSave, Standard, Standard Select, BonComplete, BonClassic and BonComprehensive.
Momentum Health has been a prominent player in the medical aid industry for over 50 years. Known for its extensive experience, Momentum Health not only provides a range of medical aid plans but also offers a variety of financial services. In addition to medical aid, Momentum delivers comprehensive financial advice, life insurance, short-term insurance, as well as Wills, Trusts, and investment products for both individuals and institutions. Momentum Health offers a wide range of plans, including Ingwe (income-based plans), Evolve, Custom series, Incentive series, Extender series and Summit.
Bonitas Coverage and Benefits:
| Complete List of Bonitas Medical Aid Plans 2024 | ||
| Plan name | Plan type | Plan description |
| BonCap | Income based plans, uses network hospitals | BonCap (R0 – R10 680)BonCap (R10 681 – R17 330)BonCap (R17 331 – R22 540)BonCap (R22 541+) |
| BonEssential | Hospital Plan | Any hospital can be used |
| BonEssential Select | Hospital Plan | Network Hospitals (30% Co-payment for use of non-Network Hospital) |
| BonStart | Traditional | Hospital Network (R12 050 co-payment when using non-network hospitals, except in the case of an emergency) |
| BonStart Plus | Traditional | Hospital Network (R12 050 co-payment when using non-network hospital, except in the case of an emergency) |
| Hospital Standard | Hospital Plan | Network Hospitals (30% co-payment when using non-network hospitals) |
| BonFit Select | New Generation | Network Hospitals (30% co-payment when using non-network hospitals) |
| Primary | Traditional | Any hospital can be used |
| Primary Select | Traditional | Network Hospitals (30% co-payment when using non-network hospitals) |
| BonSave | New Generation | Network Hospitals (30% co-payment when using a non-network hospitals) |
| Standard | Traditional | Any hospital can be used |
| Standard Select | Traditional | Network Hospitals (30% co-payment when using non-network hospitals) |
| BonComplete | Comprehensive | Network Hospitals (30% co-payment when using non-network hospitals) |
| BonClassic | Comprehensive | Network Hospitals (30% co-payment when using non-network hospitals) |
| BonComprehensive | Comprehensive | Any hospital can be used |
Difference between Bonitas Network plans and Non-Network plans
Bonitas Network plans offer cost-effective coverage by utilising a specific network of healthcare providers, which results in lower monthly premiums and reduced co-payments. Non-Network plans provide greater flexibility, allowing members to make use of any healthcare provider, but this choice comes with higher monthly premiums.
Network plans are particularly appealing to those seeking private healthcare at a reduced cost and with predictable healthcare needs, while Non-Network plans cater to those who prioritise flexibility along with wider access to a variety of healthcare providers.
Momentum Health Coverage and Benefits:
| Complete List of Momentum Health Medical Aid Plans 2024 | ||
| Plan name | Plan type | Plan description |
| Ingwe | Income based plans, with capitations | Ingwe State Hospital (R0 – R875)Ingwe Network Hospital (R0 – R875)Ingwe Any Hospital (R0 – R875)Ingwe State Hospital (R876 – R8 550) Ingwe Network Hospital (R876 – R8 550)Ingwe Any Hospital (R876 – R8 550)Ingwe State Hospital (R8 551 – R11 325)Ingwe Network Hospital (R8 551 – R11 325)Ingwe Any Hospital (R8 551 – R11 325)Ingwe State Hospital (R11 326 – R16 100)Ingwe Network Hospital (R11 326 – R16 100)Ingwe Any Hospital (R11 326 – R16 100)Ingwe State Hospital (R16 101+)Ingwe Network Hospital (R16 101+)Ingwe Any Hospital (R16 101+) |
| Evolve | Hospital Plan | Network Hospitals (30% Co-payment if other Hospital is used) |
| Custom | Hospital Plan | Custom: Associated Hospitals, Chronic: Any Custom: Associated Hospitals, Chronic: Associated Custom: Associated Hospitals, Chronic: State Custom: Any Hospital, Chronic: AnyCustom: Any Hospital, Chronic: Associated Custom: Any Hospital, Chronic: State |
| Incentive | New Generation | Incentive: Associated Hospitals, Chronic: Any Incentive: Associated Hospitals, Chronic: AssociatedIncentive: Associated Hospitals, Chronic: State Incentive: Any Hospital, Chronic: Any Incentive: Any Hospital, Chronic: Associated Incentive: Any Hospital, Chronic: State |
| Extender | Comprehensive | Extender: Associated Hospitals, Chronic: Any Extender: Associated Hospitals, Chronic: Associated Extender: Associated Hospitals, Chronic: State Extender: Any Hospital, Chronic: Any, Extender: Any Hospital, Chronic: Associated Extender: Any Hospital, Chronic: State |
| Summit | Comprehensive | Any hospital can be used |
Difference between Momentum Health’s Medical Aid plans
Momentum Health offers a diverse range of medical aid plans geared towards different healthcare needs and budgets. The plans vary in structure, with options like income-based Ingwe plans, which utilise state or network hospitals, to more comprehensive plans like Summit, which offer access to any hospital.
Some plans, such as Evolve and Custom, focus on hospital coverage within specific networks, whilst others like Incentive and Extender provide broader options with varying levels of hospital and chronic condition coverage. This variety allows members to choose a plan that best aligns with both their healthcare needs and financial situation.
Bonitas Pricing:
Bonitas offers a structured pricing model where premiums are determined by the specific plan selected, ranging from affordable network plans to more comprehensive coverage options. The premium structures are influenced by factors such as the level of coverage, the number of dependents, and whether a member uses network or non-network providers.
For income-based plans, premiums vary according to the member’s income bracket, ensuring that healthcare remains accessible across a wide range of incomes. Additional costs may occur when co-payments are applicable, as well as out-of-network fees and optional add-ons.
Momentum Health Pricing:
Momentum Health’s pricing structure is tiered and incorporates income-based plans, particularly in the Ingwe option, where premiums adjust according to the member’s monthly income bracket. This approach allows for tailored affordability, making healthcare accessible across a wide range of income levels.
The premium structures vary depending on the plan type, with some plans offering lower premiums for using specific hospital networks. Additional costs might include co-payments, fees for using out-of-network providers, and potential charges for chronic medication when using providers that aren’t listed in your plan.
Comparison of pricing tiers
As an independent advisory firm, Curemed encourages individuals to thoroughly examine the complete offer of a medical aid plan as opposed to primarily basing your decision on the Rand value. Completing a comparative review of various medical aid plans, assists in selecting the right health plan suited to your needs and affordability.
Bonitas versus Momentum Health pricing
When comparing the pricing of Bonitas and Momentum Health, it’s important to consider both affordability and the value each scheme offers. Bonitas is known for providing a range of plans that cater to various budgets, with options designed to suit both individuals and families.
Momentum Health offers customisable plans, allowing members to tailor their cover, which can impact the overall cost depending on the chosen benefits. For example, with the Custom plans and above, members have the option to include additional HealthSaver benefits, providing extra financial support for day-to-day medical expenses.
Ultimately, the best choice depends on your specific healthcare needs and financial situation, making it essential to carefully evaluate what each provider offers in terms of pricing and benefits.
Member Reviews and Satisfaction
Bonitas Member Reviews:
“5 stars, 23 July 2024
Bonitas. Saving a life.
I recently spent a week in hospital with a severe life-threatening respiratory infection in both lungs. Bonitas did their usual thing. They looked after me from start to finish and, I have no doubt, saved my life. This is a medical aid second to none and I am deeply indebted to their outstanding service and concern for my well-being which has endure now over many years.”
“3 stars, 27 March 2024
Query response takes weeks
Please provide feedback.”
Overall, reviews for Bonitas highlight exceptional care and support during critical medical situations, although there are occasional delays in resolving queries.
Momentum Health Member Reviews:
“5 stars, 4 June 2024
Excellent service
I want to commend the claims department on super-efficient processing of a cash back claim. I submitted the final requirement and the claim was processed and paid on the same day. I am a firm believer of Momentum efficiency and excellent customer service.”
“3 stars, 16 July 2024
Service Issue
The Call Centre Agents are very friendly and helpful, but I have been battling for almost 3 weeks to get a query resolved.”
Customer reviews for Momentum Health commend the efficiency and excellent customer service, particularly with claims processing. However, some members experience communication delays.
Overview of Bonitas:
Bonitas is one of South Africa’s top medical aid providers with over 40 years of experience. Described as offering affordable and comprehensive healthcare plans, Bonitas focuses on delivering accessible, quality care. Providing a range of health plans allows for Bonitas to meet the diverse needs of individuals and families.
Overview of Momentum Health:
Momentum Health ranks amongst the top three largest medical schemes in South Africa, covering more than 130 000 families. It provides various medical aid plans catering to diverse needs and budgets, with a focus on affordability and quality care. Like most South African medical schemes, Momentum Health is governed by the Medical Schemes Act and regulated by the Council for Medical Schemes.
Summary of key points discussed in the comparison.
In comparing Bonitas and Momentum Health, several key factors were discussed. Both providers offer a range of medical aid plans catering to unique needs and financial situations. Bonitas features options such as BonEssential and BonStart, with a mix of network and non-network plans, while Momentum Health provides plans like Evolve and Custom, also with varying network restrictions and pricing. Premiums for both providers may vary based on the plan type and in the case of income-based plans, your monthly income.
Selecting the right medical aid provider and plan can be an overwhelming decision, considering all the factors involved. Curemed specialists are #AlwaysThereForYou to assist with navigating these choices. We offer comprehensive guidance by analysing your healthcare needs and financial situation, and help you understand potential scenarios. With our expertise, you can make an informed decision that best aligns with both your health and financial needs.
Choosing the Right Medical Aid
Selecting the right medical aid is crucial for both your health and financial stability. Whether comparing Bonitas and Momentum Health, it’s essential to choose a plan that meets your medical needs and budget.
With numerous options available, making the right choice can be challenging and overwhelming. Curemed is here to help with expert, unbiased advice to ensure you find the best fit for you and your loved ones.
Curemed: Your solution to selecting the ideal Medical Aid
Curemed is an independent Financial Advisory Firm specialising in medical aid solutions. Our impartial guidance is focused solely on your needs, not any specific provider.
We partner with the top eight medical aid providers in South Africa to ensure comprehensive care. Our Advisors simplify the complexities and intricacies of medical aid, equipping you with the information needed to make an informed decision.
Benefit from obligation-free, comparative, and personalised quotes from our expert team. For a complete list of our services, visit www.curemed.co.za.
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Disclaimer: Terms and Conditions apply. This blogpost and the information contained within it is intended for information and consumption purposes only and does not by any means supersede the Rules of the Scheme. In the event of any discrepancy between this mailer and the Rules of the Scheme, the Rules of the Scheme will prevail. Curemed is a licensed financial service provider with the FSCA, FSP 44098.
