| question | answer | |
|---|---|---|
| What are medical aid benefits? | Benefits means those services rendered by the medical, dental and allied professions, payment for which can be claimed from the Society by its members. | Edit | Details | Delete |
| Who can join Bonvie? | Bonvie has an open membership policy. Membership is available on application from anyone employed in either the formal or informal sector. | Edit | Details | Delete |
| What do the different terms used in respect of membership mean? | Member - means a person admitted to membership of the Society in terms of its Rules. | Edit | Details | Delete |
| What do the different terms used in respect of membership mean? | • Payer means a company, corporate body, special scheme, statutory corporation, partnership, employer or self-employed person which or who contributes as a member firm to the Society. | Edit | Details | Delete |
| What do the different terms used in respect of membership mean? | • Membership Year means the period of 12 months commencing from the first day of the month in which the member or dependant originally joined the Society | Edit | Details | Delete |
| What do the different terms used in respect of membership mean? | • Senior means a member of the Society who has reached Retirement Age 65+ and is now categorised under senior membership. | Edit | Details | Delete |
| What do the different terms used in respect of membership mean? | • Retirement Age means the age set by the Board, at its sole discretion, from time to time at which a member is deemed to have retired from employment. | Edit | Details | Delete |
| What do the different terms used in respect of membership mean? | • Dependant means a dependent spouse, dependent child, dependent student and/or other dependant. | Edit | Details | Delete |
| What do the different terms used in respect of membership mean? | • Dependent Spouse means the member’s legal husband or wife. | Edit | Details | Delete |
| What do the different terms used in respect of membership mean? | • Dependent Child means the member’s child, stepchild, legally adopted child or child committed to the member’s custody and control by virtue of a Court Order, provided that such a dependent child is under the age of 18 and fully dependent on the member. | Edit | Details | Delete |
| What do the different terms used in respect of membership mean? | • Dependent Student means the member’s dependent child who is over the age of 18 but under the age of 24 and continuing with his or her unbroken education at a recognised educational institution. Such dependent student membership ceases when the dependent student attains the age of 25, unless the Board specifically approves of a continuation beyond that age. | Edit | Details | Delete |
| What do the different terms used in respect of membership mean? | • Other Dependant means such other dependent person as the Board may, in its absolute discretion, decide. | Edit | Details | Delete |
| What do the different terms used in respect of membership mean? | • Other Dependant means such other dependent person as the Board may, in its absolute discretion, decide. | Edit | Details | Delete |
| Can membership of a newly born baby be backdated to the child’s date of birth? | Membership of a newly born child may be backdated to the baby’s date of birth if the relevant application form and contributions are received by the Society on or before the 10th day of the second month following the month in which the child was born. Newly born babies should ideally be registered on the day of birth to enable the Society to cover any services rendered by the doctor after delivery. If registration is not possible on the day of birth, a completed registration form should be sent to the Society within six weeks of birth. To ensure that the child is not affected by any waiting periods, the joining date should be the first day of the month within which the child was born. This will mean that in hospital claims associated with the newborns birth will be covered by the Society. | Edit | Details | Delete |
| Why does one sometimes incur shortfalls on claims? | A shortfall might be the result of the fee charged being higher that the tariff awarded. Claims are paid according to tariffs and any fees charged above the tariff award will result in a shortfall. Shortfalls also arise when a member has exhausted the benefit limit for a given membership year. Some benefits are subject to yearly limits, which when exceeded result in a shortfall. Different packages have different limits. Shortfalls can also be due to waiting periods, which mean that the member is not yet eligible to draw funds for certain benefits. | Edit | Details | Delete |
| Can one claim the shortfall from Bonvie? | No. Shortfalls are not claimable from Bonvie but 50% of the shortfall can be claimed as a medical credit from the Zimbabwe Revenue Authority (ZIMRA). When you receive your claim settlement advice from Bonvie you submit it with the shortfall receipts to ZIMRA or your Human Resources Department. | Edit | Details | Delete |
| What constitutes termination of membership? | A member or dependent ceases to be a member of the Society: 1. on his/her death; 2. on his/her resignation; 3. if he/she is expelled from the Society; or 4. if the membership of the member firm or individual under which he/she is registered is terminated in terms of the Society’s Rules and the member has not applied for individual membership. | Edit | Details | Delete |
| Under what circumstances may a member be expelled from the Society? | A member or dependant may be expelled from the Society: 1. for breach or attempted breach of the Society’s Rules, 2. for any act attributable to the member which is detrimental to the interests of the Society; 3. for non-payment of contributions; 4. for any reason adjudged by the Board as good and sufficient for such action. In such an event the Board will not be obliged to disclose the reasons for its decision. | Edit | Details | Delete |
| Is there a period of notice required for termination of membership? | Membership of the Society can be terminated on one month’s notice in writing to that effect given by either a member, member firm or the Society. | Edit | Details | Delete |
| What are the waiting periods? | General waiting period - 3 months , Upgrading package -3 months (must remain for 12months before upgrading) , Hospitalisation 6 months , Dental 6 months , Pre-existing chronic disease medication 6 months , Specialist treatment 6 months , MRI & CT scans, Radiology, Nuclear medicine - 6 months , Elective surgery 6 months with authorization , Orthopeadic appliances 6 months (wheel chair excluded) , Maternity 9 months , Geriatric nursing homes 12 months , Foreign Treatment 12 months , Optical appliances & cataract extraction 12 months then 24months for subsequent collection of spectacles , Haemodialysis 24 months , Chemotherapy and Radiotherapy 24 months , Internal and External prosthesis 24 months , Orthodontic and periodontic 3 years | Edit | Details | Delete |
| Why are waiting periods imposed? | Waiting periods are applied for certain benefits in order to safeguard existing members' funds from high treatment costs brought about by new members who join medical aid specifically to access expensive treatment and resign thereafter. This would inevitably drive up claims costs resulting in the Society charging higher contributions. Waiting periods may be applied to any new applicants/dependants. The waiting periods are applied regardless of whether members have pre-existing conditions or not. | Edit | Details | Delete |
| What does a member need to take to the pharmacy in order to purchase drugs? | • There are 3 items needed. These are: 1. Bonvie Membership Card 2. National Identity Card 3. Valid Prescription | Edit | Details | Delete |
| How is pre-authorisation requested? | The request can be made in person or by e-mail. The prescription must be presented or e mailed. | Edit | Details | Delete |
| How long does pre-authorisation take? | Normally it takes just a few minutes. | Edit | Details | Delete |
| What are the requirements for local claims reimbursement for Medical claim?? | Completed medical claim form • Original receipts • Any other relevant supporting documents • Medical claim form must be submitted within 3 months | Edit | Details | Delete |
| What are the requirements for local claims reimbursement for Drug Claim? | • Claim form • Copy of prescription • Original receipts • Drug claim forms must be submitted within 2 months | Edit | Details | Delete |