Complete health insurance designed for Durban residents

Affinity Health makes private health insurance accessible and budget-friendly for people living in Durban. Our combined plan options bring day-to-day care and in-hospital protection together to limit unexpected costs while keeping routine healthcare within reach. Whether you are a young professional, a parent with small children, or a retiree, our plan options target the core healthcare needs most relevant to South African households.

What a complete plan covers

• Day-to-day benefits: GP consultations, basic dental and optometry access, and acute medicines within set benefit limits.
• Hospital benefits: In-hospital admissions, theatre and ward fees, approved clinician fees and in-hospital procedures.
• Support services: Remote consultations for immediate advice and Emergency Medical Response coordination when required.

Why Durban residents choose a combined approach

Combining day-to-day care with hospital protection gives predictable monthly budgeting while reducing the chance of skipping routine care. This is especially helpful for families with children, working professionals who need quick access to primary care, and older adults seeking dependable in-hospital protection.

Key plan features at a glance

For more on how routine benefits work and common exclusions, read our combined plan overview and detailed hospital plan guidance. If you want to explore plan options across age groups, our Junior and Senior pages explain age-specific cover and benefits.

Explore combined-plan details on the Affinity site: Combined plan details and check hospital plan inclusions here: Hospital plan guide.

How to choose the right complete health insurance in Durban

Selecting the right plan depends on household composition, expected routine needs and the level of in-hospital protection you want. Use a step-by-step approach to compare plan options and estimate monthly cost versus potential out-of-pocket exposure.

Step-by-step selection guide

• Count routine needs: Estimate annual GP visits, dental checks and eyewear replacements for your household.
• Evaluate risk: Consider any planned procedures, chronic conditions or activities that raise injury risk.
• Match plan options: Compare the combined plan options and hospital limits that fit your budget and risk profile.
• Confirm provider access: Make sure your preferred private facilities and healthcare practitioners are available in the provider network.

Practical Durban scenarios

• Young professional: Prioritise primary care and remote consultations for quick access to clinicians.
• Family with children: Strong day-to-day benefits for frequent child visits plus mid-level hospital protection.
• Retiree: Higher in-hospital limits and careful review of waiting periods are important.

To locate private hospitals and clinics in Durban that accept Affinity plans, use our provider finder. Find a hospital provider here: Find a hospital provider. For GPs and other practitioners, check: Find a provider.

Comparing plan options - what to watch for

• Benefit limits and visit caps for routine services.
• In-hospital inclusions and any listed exclusions.
• Waiting periods for specific benefits such as maternity or selected procedures.
• Excess choices and how they affect your monthly premium and out-of-pocket exposure.

Get personalised plan pricing and compare options quickly at the Affinity Health homepage: Affinity Health home. If you are shopping for group cover through an employer, see our Group Cover page for plan options available to groups.

Sources

• Affinity Health - Combined plan information
• Affinity Health - Hospital plan guide
• South African Department of Health - official guidance
• Statistics South Africa - health indicators