
Bonitas raises contributions by 8.7% as new service model takes shape
Four months after a troubled administrator switch, Bonitas is betting on new products, tighter managed care, and a stronger digital offering to rebuild member value and trust.

Four months after a troubled administrator switch, Bonitas is betting on new products, tighter managed care, and a stronger digital offering to rebuild member value and trust.

Two out of three beneficiaries will face increases below 8%, while Discovery is adding a new lower-cost plan and expanding its personalised health platform.

Most members will face increases of 7% or less, while the scheme is adding benefits in mental health, maternity, preventive care, and emergency treatment.

The scheme is pairing the increase with changes to Health4Me and a broader push into prevention, wellness, and digital healthcare.

The scheme is adding a R1 000 healthcare benefit, expanding preventative care, and making targeted changes to medicine, casualty, and clinical cover.

The industry body says the 3.8% benchmark does not fully reflect the utilisation and underlying healthcare-cost pressures that schemes face.

Global medical cost growth is easing, but South Africa’s rate remains high – putting medical schemes under pressure to balance rising healthcare costs with affordability in 2027.

Parliamentary questions extend from fraud and outsourcing to trustee remuneration and benefit design, while the scheme’s reserves remain below the statutory requirement.

The scheme says R1.7 billion in projected savings could moderate future increases as it prepares for robust talks with organised labour.

The regulator has rejected the scheme’s proposal to reduce its weighted average contribution adjustment to 7.5%, leaving the existing 9.5% increase in place.

New findings suggest emotional well-being now plays a growing role in whether patients with diabetes, cancer, and heart disease stay stable and out of hospital.

Shrinking younger membership is intensifying an ageing risk pool, pushing contributions higher even when hospital use is flat.

The CMS cites statutory constraints, while the Portfolio Committee on Health calls for a clear roadmap to implement the Inquiry’s recommendations.

In this edition of Cover to Cover, we unpack the structural, regulatory, and underwriting differences that advisers must clarify before recommending either healthcare funding option.

For single parents, a ‘one-family, one-premium’ gap policy turns unpredictable medical shortfalls into a fixed monthly cost, protecting household cashflow.

In a landscape defined by rising costs and digital disruption, brokers who embrace technology and tailor gap cover to individual life stages will lead the way.

Momentum Health is proposing to raise contributions by an average of 9.9% in 2026 – the highest increase among the five largest open schemes.