Network vs. Non-Network Provider Cover and Benefits
Navigating the world of medical aid in South Africa isn’t just about choosing a plan—it’s about making sure that plan fits your budget, lifestyle, and preferred healthcare providers. One of the most important decisions you’ll face is whether to go with a network or non-network provider plan. The difference can significantly impact your monthly premium, freedom of choice, and out-of-pocket costs.
In this guide, we explore how the major medical schemes structure their plans around provider networks, with updated data and 2025 pricing to help you make informed decisions.
Comparative Overview of Network vs. Non-Network Provider Cover (2025)
To give you a clear picture, here’s a look at two popular plans from leading schemes—Bonitas BonSave and Discovery Classic Saver—highlighting their approach to provider networks, hospital coverage, and monthly costs:
2025 Medical Aid Plan Comparison
Provider | Plan Name | Plan Type | Monthly Premium (±) | Provider Choice | Day-to-Day Cover | International Cover | Ambulance Services | Maternity Benefit |
Bonitas | BonSave | Hybrid | R3,872 | Free choice – any provider | Moderate/High | Yes | ER24 | Separate risk benefit |
Discovery | Classic Saver | New Generation | R4,535 | Free choice – any provider | High | Yes | Discovery 911 (Netcare) | Separate risk benefit |
Plan Highlights & Network Considerations
Bonitas BonSave
This hybrid plan is ideal for members who want the flexibility of using their preferred providers while maintaining affordability. BonSave offers moderate to high day-to-day benefits, access to network hospitals, and strong maternity and emergency care. Its monthly premium of R3,872 makes it an attractive choice for those seeking value without network limitations.
Discovery Classic Saver
Classic Saver is a higher-tier option suited to those who want extensive hospital and out-of-hospital benefits, including access to a wide network of GPs and specialists. While the premium is slightly higher at R4,535, it includes Discovery’s 911 ambulance service, excellent chronic illness coverage, and no annual limit on hospital access at private facilities.
Key Considerations When Choosing Between Network vs. Non-Network Plans
Network plans typically cost less because medical aids have negotiated lower rates with specific providers. If you stick to the network, you can benefit from significant savings.
Non-network (or open provider) plans offer more flexibility but usually come at a higher premium or require co-payments for non-network visits.
Some plans limit specialist visits to within a network or require referrals. If you regularly see specialists, make sure your plan allows that freedom without penalties.
Even network-only plans generally cover emergency hospital visits regardless of network affiliation. However, follow-up treatments may need to fall within the network to avoid additional charges.
Frequently asked questions
A network provider is a healthcare professional or facility that has an agreement with your medical aid to provide services at pre-negotiated rates.
If you’re on a non-network plan, yes. If you're on a network-only plan and your doctor is not part of the network, you may need to pay part or all of the bill out of pocket.
All plans cover emergency care at any hospital. However, ongoing treatment must often follow the plan’s provider rules.
Conclusion
Choosing between a network and non-network provider plan goes beyond premiums. It’s about matching your healthcare habits, provider preferences, and budget. If you want maximum provider choice, be prepared to pay more. If you’re comfortable sticking to a network, you’ll likely enjoy lower monthly costs and still receive great care.
Both Bonitas BonSave and Discovery Classic Saver offer robust benefits for 2025, each catering to different needs. Visit their official websites for the most up-to-date information or explore plan-specific documents to find the perfect match for your lifestyle.