Contraceptives are considered a pre-existing condition by Bonitas

I rejoined Bonitas Mar-25. I fully disclosed in my application forms that I have a Mirena that requires replacement. At joining, an 18 month waiting period was imposed by underwriting due to the fact that I've had more than 90 days since my last coverage (it was 6 months)

On 17 May 2025, I sent an email enquiring about whether Bonitas could consider waiving the waiting period for the Mirena. On 19 May 2025, I called your general line and I was told that this is with underwriting and they take 3 days to respond. Monday 25 May, I phoned again because it had now been more than 3 days with no response, general enquiries told me it was still sitting with underwriting but there was no response. They told me to email underwriting directly which I did and the next day (26 May 2025) I received the below.

"We acknowledge receipt of the e-mail.

Please note that underwriting is correct done in accordance to the Bonitas Underwriting Policy and the Medical Scheme's Act and all previous cover has been taken into considerations as there is a break of more than 90 days."

Let's be clear on this, contraceptives are not a pre-existing condition that you can impose an unreasonable amount of time for waiting period. A mirena is contraceptives, not a condition.

If Bonitas would much rather I get pregnant, costing way more money than just a Mirena, let me know.

Your underwriting team is very disappointing in their response time and consideration for what is practical.