What is the Bonitas waiting period? How long do you need to wait before you can make a claim from Bonitas after signing up for the first time? Bonitas is one of the biggest medical aid companies in South Africa. A lot of people in the country have been looking to get medical aid. That’s wise, considering that getting treatment out of pocket can be rather expensive. When you sign up with Bonitas, you can only claim after a certain waiting period. What is it?
How long to wait before claiming from Bonitas?
The Bonitas waiting period is 3 months. However, if you join as part of a group through you employer, this waiting period may be waived. If you have a preexisting condition, you will have to wait 9 months before you can claim. Meanwhile, if you have cancer, the waiting period is 12 months.
Why these different waiting periods?
That’s the Bonitas waiting period. But why are there these different waiting periods? Why do you have to wait 3 months to get treatment in some instances and 12 months in others.
One thing that you will notice is that all medical aid companies have waiting periods. It’s actually the same across the insurance spectrum.
In general, waiting periods are there to protect customers and companies from fraud. Imagine a world where it would be possible to join a medical aid scheme today and claim tomorrow.
It would mean some people out there would only join after getting sick. The moment they got better, they would quickly leave. That’s the reason why there are waiting periods, to prevent fraud.
The different waiting periods as outlined above are there because some conditions tend to be really expensive to treat. Cancer is one example. Other chronic illnesses are also examples.
You may wish to check out the Bonitas pregnancy waiting period. That’s another condition that has a longer than normal waiting period. Again, the issue being looked at here is expense.
In this post, we showed you the Bonitas waiting period. It was noted that a lot of people in South Africa have been moving to get medical insurance as a way of protecting themselves. If you are covered, you can rest assured knowing that whatever happens to you, you will be able to get treatment. The waiting periods are meant to prevent insurance fraud. Otherwise some people would only join when they are sick.