Group Combined Health Cover Designed for Employees

Employers looking for an affordable combined health plan for employees need options that balance everyday care with protection against the high cost of in-hospital events. Affinity Health’s Group Cover provides a range of combination plans that pair day-to-day benefits with hospital cover, helping companies manage workforce wellbeing while keeping premiums manageable for employees.

Why choose a combined group plan?

• Consolidated protection: One plan covers routine consultations and in-hospital treatment, simplifying administration and employee communication.
• Cost predictability: Regular premiums make budgeting easier for payroll and HR teams while reducing the risk of sudden large medical expenses for employees.
• Health access: Employees keep access to private care, including GP consultations, basic dental and in-hospital procedures managed through approved clinicians.

Affinity Health Group Cover options

Group Cover is available exclusively to employer groups and includes multiple combination plan options to suit workforce size and risk profiles. Employers can choose from plans that prioritise stronger day-to-day benefits for frequent primary-care use or higher in-hospital limits for greater protection during major events. Learn about Group Cover details and plan availability on our group information page: Affinity Health - Group Cover.

Typical benefits included in a combined employer plan

• Day-to-day services: GP consultations, basic dentistry and optometry network access subject to plan limits.
• In-hospital care: Admissions, theatre and ward fees, clinically approved clinician fees and in-hospital procedures.
• Support services: Remote consultations with healthcare practitioners for fast clinical advice and Emergency Medical Response coordination when required.

To compare how a combined employee plan differs from standalone options, see our overview of combined plans: Affinity Health - Combined Plan. This helps HR teams choose the right balance between routine care and in-hospital protection.

Affinity Health’s group solutions cater to working-age adults across industries with plan options suitable for a wide range of employee demographics and operational budgets. For a high-level view of our organisation and mission, visit the Affinity Health homepage: Affinity Health - Homepage.

Implementing a Combined Employee Plan - Practical Steps

Rolling out a combined plan for employees involves assessment, communication and straightforward administration. Below are the practical steps HR and finance teams should follow to implement cover quickly and effectively.

Step-by-step implementation guide

• Assess workforce needs: Review employee ages, typical outpatient usage and any occupational risk factors.
• Choose plan options: Select a combination that balances day-to-day limits and in-hospital protections according to budget and risk appetite.
• Communicate clearly: Provide employees with a concise benefits summary, claim procedures and how to access remote consultations with healthcare practitioners.
• Onboard and monitor: Start cover on a set date, manage enrolments centrally and review utilisation annually to optimise the plan mix.

Provider network and access

Group plans give employees access to a nationwide provider network. Employers can point staff to our provider locator for hospital and clinician options that accept the plan. Employees can find hospital providers through our provider directory: Find a Hospital Provider, and locate other practitioners via our general provider search: Find a Provider.

Affordability and payroll management

Group plans are structured to keep premiums manageable while delivering meaningful benefits. Employers can integrate premiums into payroll deductions or offer employer-subsidised contributions to increase uptake among staff. For exact premium listings and current pricing, request a group quote so you can compare plan options against your budget and headcount targets.

Next steps for HR and decision-makers

• Request a group quote to see plan options matched to employee demographics.
• Compare benefit summaries and confirm administrative responsibilities.
• Schedule an enrolment and benefits briefing for employees to explain cover and claim processes.

Sources

• Affinity Health - Group Cover details
• National Department of Health - South Africa
• Statistics South Africa - health statistics