SCHEDULE OF BENEFITS
for
PLATINUM USD PLANS
A member of
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OUR PLATINUM RANGE
Overview
Discover BonVie's Platinum Range, crafted to expertly meet the diverse health needs of both corporate
organizations and individuals. Our innovative, flexible solutions are tailored to serve every segment of society
and all age groups, providing comprehensive protection. At BonVie, we don't just see you as a policyholder, we
value you as a life entrusted to our care, delivering peace of mind through exceptional coverage and service.
Our Promise
At BonVie, your holistic well-being is our top priority. From preventive care to full recovery, we are dedicated to
supporting your healthcare journey through in-built wellness and managed care programs. Our mission is to
deliver affordable healthcare with the best possible outcomes, offering access to quality medication and care.
Trusted Partnerships
To optimize patient outcomes and manage costs effectively, BonVie collaborates with a wide network of
healthcare providers, including our subsidiaries, Vivat Healthcare Clinics, Vivat Health Pharmacies, Vivat
Clearview and Charter House Hospital. These partnerships ensure nationwide access to high-quality healthcare
facilities.
Who do we cover?
BonVie offers tailored healthcare packages designed to meet the unique needs of both individuals and
organizations across Zimbabwe. From basic care to specialized private healthcare, we provide comprehensive
coverage that empowers our diverse clientele including large corporations, tertiary institutions, religious
organizations, schools, small businesses, and more.
Exclusive Benefits
BonVie's packages offer top-tier in-patient benefits, including superior drug and optical coverage, access to
foreign treatment referrals, chronic drug delivery programs, minimal shortfalls and copayments, USD-based
benefits, Platinum member status, and a preferred provider network for seamless recovery.
Platinum Medical Aid Packages
Oak, Teak and Mukwa Plans:
These plans provide global limits of USD80,000, USD45,000, and USD25,000 respectively, with access to Group
A private hospitals. They are designed for management, executives, and individuals, covering in-hospital care,
surgeries, specialist consultations, laboratory tests, X-rays, and therapies.
Mukwa Lite Plan
This plan offers a global limit of USD10,000 annually and access to selected private hospitals (Group B or lower).
It is ideal for supervisory-level employees and individuals in areas without Group A hospitals, providing
comprehensive in-hospital and specialist care.
Pine Plan
The Pine Package includes a global limit of USD4,500 annually and access to government, mission, municipal
centers, and selected private facilities (Vivat Healthcare Clinics, Vivat Health Pharmacies, Vivat Clearview and
Charter House Hospital). It caters to general staff and individuals, covering essential healthcare services,
including surgeries and specialist care.
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Types of funds administered
Fully Self Funded Partially Funded
The fund solely belongs to the corporate and it assumes 100% of the
Autonomy risk. There is shared risk between the corporate and Bonvie
Customisation Tailored benefits, contribution rates and scheme rules. Partial autonomy on benefit design with focus on outpatient benefits
Investments Fund surpluses can be reinvested benefiting the fund membership. Fund surpluses to be shared according to the agreed risk ratios.
Independence of the fund with control through a self-appointed board of
Shared fund administration responsibility
Administration trustees with regular reporting, including monthly and quarterly updates.
Regulatory authority registration is covered by the Bonvie medical aid
license. Regulatory authority registration is covered by the Bonvie medical aid license.
Compliance
BENEFIT APPLICABLE WAITING PERIODS
GP consultation and Acute Drugs New Member 3 months
Hospitalisation New Member 6 months
Dental New Member 6 months
Pre-existing chronic disease medication New Member 6 months
Specialist treatment New Member 6 months
CT Scans,MRI, Radiology and Nuclear Medicine New Member 6 months
Elective Surgery New Member 6 months with preauthorisation
Orthopeadic appliances New Member 6 months
Maternity New Member 9 months
Upgrading a package Active Member 3 months
Downgrading a package Active Member No waiting period
Foreign Treatment New Member 12 months with preauthorisation
Optical appliances New Member 12 months then 24 months for subsequent collection of spectacles
Haemodialysis New Member 24 months
Chemotherapy and Radiotherapy New Member 24 months
Internal and External Prosthesis New Member 24 months
Orthordontic and Periodontic New Member 36 months
Ear Nose and Throat Treatment New Member 6 months
Geriatric Nursing Homes New Member 12 months
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BENEFITS
OAK TEAK MUKWA MUKWALite PINE
MAXIMUM ANNUAL $80 000 $45 000 $25 000 $10 000 $4 500
AGGREGATE LIMIT
Applicable Hospitals All Private All Private All Private Grade B or Lower Gvt, Mission &
Hospitals Hospitals Hospitals Private Hospitals Municipal Facilities
IN-PATIENT BENEFIT LIMITS $48 000 $27 000 $15 000 $6 000 $2 700
ln-patient Charges Covered up Covered up Covered up Covered up Covered up
Hospital accommodation, drugs to tariff and to tariff and to tariff and to tariff and to tariff and
and sundries, anaesthetist fees, up to benefit up to benefit up to benefit up to benefit up to benefit
theatre charges, intensive care limit limit limit limit limit
unit, pathology and radiology
New Born Cover
Inpatient treatment of acute medical Covered up Covered up Covered up Covered up Covered up
conditions and any associated costs to tariff and to tariff and to tariff and to tariff and to tariff and
which present symptoms at birth or up to benefit up to benefit up to benefit up to benefit up to benefit
which manifests itself within 30 days limit limit limit limit limit
following birth
New Born Accommodation
Hospital accommodation costs Covered up Covered up Covered up Covered up Covered up
relating to a new born baby to to tariff and to tariff and to tariff and to tariff and to tariff and
accompany its mother (being an up to benefit up to benefit up to benefit up to benefit up to benefit
insured person whilst she is limit limit limit limit limit
receiving treatment as an
inpatient in a hospital.
ln-patient Psychiatric Treatment
In a registered psychiatric unit of a
h o s p i t a l . Tr e a t m e n t t o b e Covered up Covered up Covered up Covered up Covered up
administered under the direct to tariff and to tariff and to tariff and to tariff and to tariff and
control of a registered psychiatrist up to benefit up to benefit up to benefit up to benefit up to benefit
(after 24 months membership) limit limit limit limit limit
Pregnancy and Childbirth
Costs associated with normal Covered up Covered up Covered up Covered up Covered up
pregnancy and childbirth, pre and to tariff and to tariff and to tariff and to tariff and to tariff and
post natal check-ups and delivery up to benefit up to benefit up to benefit up to benefit up to benefit
costs limit limit limit limit limit
Complications of Pregnancy
Treatment of a medical condition Covered up Covered up Covered up Covered up Covered up
which arises during the antenatal to tariff and to tariff and to tariff and to tariff and to tariff and
stages of pregnancy or medical up to benefit up to benefit up to benefit up to benefit up to benefit
condition which arises during child limit limit limit limit limit
birth and requires a recognised
obstetric procedure (a 9 month
waiting period applies)
Hospice Care Charges
30 days 15 days 5 days 5 days
Treatment provided by a Hospice Not covered
per condition per condition per condition per condition
for the care of an Insured Person
with a terminal illness
In-patient Chronic Covered up Covered up Covered up Covered up Covered up
Renal dialysis, nursing, surgery to tariff and to tariff and to tariff and to tariff and to tariff and
and palliative treatment for up to benefit up to benefit up to benefit up to benefit up to benefit
chronic conditions. Requires pre- limit limit limit limit limit
authorisation
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OAK TEAK MUKWA MUKWALite PINE
Rehabilitation ln-Patient
Admissions to a recognised
rehabilitation unit of a hospital
following treatment for a medical
condition where the Insured
Person was confined to a hospital
30days Per 30days Per 30days Per 30days Per 30days Per
as an in-patient for at least three
condition condition condition condition condition
consecutive days and where
a specialistconfirms in writing
that rehabilitation is required.
Admission to a unit must be made
within 14 days of discharge from
a hospital.
Prosthesis
Internal and external. Requires US$2000 US$1300 US$800 US$550 Not covered
authorisation.
Optical Surgery & Opthamologist
charges
US$5000 US$3500 US$2000 US$1200 US$600
Cataract removal, glaucoma,
trachoma and laser eye surgery
Accident damage to Teeth
Treatment received in a dental
surgery or in an accident and
emergency room in a hospital US$4000 US$2500 US$1700 US$900 US$300
within seven days of incurring
accidental damage caused to
sound natural teeth.
Oncology Covered up Covered up Covered up Covered up Covered up
Treatment given for cancer to tariff and to tariff and to tariff and to tariff and to tariff and
received as an Inpatient, up to benefit up to benefit up to benefit up to benefit up to benefit
Day Patient or Outpatient. limit limit limit limit limit
Requires authorisation
Foreign Treatment
Covered up Covered up
Emergencies treatment and
to tariff and to tariff and Not covered Not covered Not covered
elective surgeries as per local up to benefit up to benefit
specialist’s recommendation. limit limit
Requires pre-authorisation
Covers up to in-hospital limit
Emergency Transportation Covered up to Covered up to Covered up to Covered up to Covered up to
Emergency transportation costs to tariff tariff tariff tariff tariff
nearest health facilities or further Preauthorization Preauthorization Preauthorization Preauthorization Preauthorization
as
. referred by a Medical Practitioner required required required required required
Covered. Covered.
Ambulance Services
Requires Requires Covered up to Not Covered Not Covered
Air service in Zimbabwe
pre-authorisation pre-authorisation US$1800
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OAK TEAK MUKWA MUKWALite PINE
Evacuation of moving an insured
person in the event of a life
threatening emergency and
selective treatment not being
readily available at the place of Full refund Full refund Not Covered Not Covered Not Covered
incident to an appropriate facility for
further management
Requires pre-authorisation
Reconstructlve Surgery Covered up Covered up Covered up Covered up Covered up
Reconstructive Surgery following an to tariff and to tariff and to tariff and to tariff and to tariff and
accident or following surgery for an up to benefit up to benefit up to benefit up to benefit up to benefit
eligible medical condition limit limit limit limit limit
Home Nursing
Immediately following hospital 30 days per 15 days per 5 days per 5 days per
discharge on the recommendation of Not Covered
condition condition condition condition
a specialist and must be provided by
a qualified Nurse
OUT-PATIENT BENEFIT LIMITS $32 000 $18 000 $18 000 $4 000 $1 800
Outpatient charges including:
i. Practitioner fees for
a) Consultation Visits 12 visits 12 visits 12 visits 12 visits 12 visits
b) Physician Visits 6 visits 6 visits 6 visits 6 visits 6 visits
c) Gynaecology Visits
9 visits 9 visits 9 visits 9 visits 9 visits
Casualty/E.R. Consultation. 4 visits 4 visits 4 visits 4 visits 4 visits
Accident Disability Benefit
Covers the family when the
principal member has been
involved in an accident and is 3 months 3 months 3 months 3 months 3 months
unable to carry on with his normal waiver of waiver of waiver of waiver of waiver of
trained occupation as assigned in premiums premiums premiums premiums premiums
the application form. Principal
member should have been a
member of Bonvie for 12 months
Family Extension Benefit
Covers the remaining family when 3 months 3 months 3 months 3 months 3 months
the principal member dies. waiver of waiver of waiver of waiver of waiver of
Requires confirmation from the premiums premiums premiums premiums premiums
company and death certificate.
Principal member should have
been insured for 12 months
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OAK TEAK MUKWA MUKWALite PINE
Radiology
Scans received as an In-Patient or Out-
Patient. Requires Pre-authorisation. Scans US$6800 US$3100 US$2000 US$1500 US$200
should be referredby specialists only.
Pathology
Analysis of samples of bodily fluids, US$2800 US$1400 US$1000 US$750 US$200
tissues, and urine to diagnose
diseases and health issues through
lab tests
Wellness Benefit
1 per year 1 per year 1 per year 1 per year Not Covered
Routine health check-ups
Preventative benefits
Pap Smear, Cholesterol and
1 per year 1 per year 1 per year 1 per year 1 per year
lipogram, Blood Glucose, TB Test,
Prostate Cancer Test and HIV Test
Covered up to Covered up to Covered up to Covered up to Covered up to
Outpatient Surgery tariff and up to tariff and up to tariff and up to tariff and up to tariff and up to
Day surgeries. benefit limit benefit limit benefit limit benefit limit benefit limit
Outpatient Psychiatric Treatment
Including Specialist consultations.
All benefits are conditional upon pre-
authorisation from us and all treatment US$1500 US$900 US$500 US$350 US$200
must be administered under the direct
control of a registered psychiatrist (after
24 months membership).
Optical
US$30.00 US$30.00 US$30.00 US$30.00 US$30.00
Consultation (every 6 months)
US$770.00 US$470.00 US$320.00 US$220.00 US$120.00
Frames & Lenses after every two years.
Chronic Drugs US$1200 US$900 US$700 US$500 US$300
Drugs
Prescription drugs US$600 US$500 US$400 US$300 US$150
Dental treatment and Orthodontic
Examinations, tooth cleaning, normal
US$2000 US$1700 US$1400 US$700 US$260
compound fillings, simple or non-surgical
extractions and root canal treatment.
Routine Dentist visits 2 visits 2 visits 2 visits 2 visits 2 visits
1 per 1 per
Allergy test 1 per lifetime 1 per lifetime 1 per lifetime
lifetime lifetime
Crime Trauma Benefit
US$200 US$150 US$150 US$150 US$50
Prophylaxis
Outpatient Rehabilitation 25 visits 20 visits 15 visits 10 visits 10 visits
Funeral Assist Benefit - Payouts
US$1200 US$1000 US$700 US$500 US$300
Adults
Children US$900 US$750 US$525 US$375 US$225
NB: Cosmetic surgeries are not covered unless medically necessary and in emergency cases only.
Benefits Cycle
Medical benefits reset annually. Once the yearly limit is reached, no further assistance is available until the start of the next year. .
Membership Continuation
If you leave your employment, you can reapply to continue your BonVie membership. Management will review your application and
reserve the right to approve or decline. If there's a break of more than 3 months in your membership, upon rejoining, waiting
periods will apply.
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Harare
1 Denmark Avenue
Milton Park
Chitungwiza
CitiMed Hospital
Stand Number 14654
Bon ie
Harare Hadzinanhanga Road
Call Centre
+8677009160/65/71 Zengeza 4
Contact Numbers
Chitungwiza
Bulawayo +263-242-2122225 263787025154
3rd Floor East Wing
263787514626
Zimdef Building, Chinhoyi
102 Fort Street / 8thAve Good Shepherd Pharmacy Building. 263778088447
Btwn 8th and 9thAvenue 260 Commercial St Chinhoyi 263779347999
P. O. Box 2051
Bulawayo Room 24 08677009165
+263-29-2277092 +67 2128924/22 |+263 787 025 126
08677008971
+263-29-2277066
Mutare: 08677009060
Masvingo No. 55, 4thStreet,
2nd Floor Mutare,
ZIMRE Building +263 20 206355
Cnr. Hughs / S. Mazorodze Gweru
Masvingo 9428 Cnr Lobengula and 8th Street
+263-39-264093
+263-39-264100 First Floor Shop 11
Glow Petroleum Complex
054-222-0401 | 054 2233832
For membership queries email:
membership@[Link]
For claims queries email:
claims@[Link]
For queries email:
queries@[Link]
Website: [Link]
