Health cover designed for pensioners who want reliable, budget-friendly protection

Affinity Health’s senior plan range delivers clear, practical options for retirees and pensioners aged 55 and older. Choose between a day-to-day plan, an in-hospital plan or a combined option that brings both together. These plan options are aimed at controlling routine healthcare costs while protecting you from large in-hospital expenses such as surgery, ward and theatre fees and approved clinician charges.

What each senior plan option includes

• Day-to-day plan: Routine consultations with a healthcare practitioner, basic dentistry and optical benefits accessed through selected providers.
• Hospital plan: In-hospital admissions, theatre and ward fees, in-hospital scans and procedures, and approved clinician fees when treated as an in-patient.
• Combined plan: Day-to-day benefits plus hospital protection in one budget-friendly plan option for broader peace of mind.

Key senior plan features that matter to pensioners

• Simple plan options for predictable monthly budgeting.
• Clear waiting periods and straightforward claim rules to avoid surprises.
• Access to a national provider network for private hospital admissions and routine care; check available providers in your area before you choose.

Learn more about the dedicated senior range and eligibility and benefit details on the Affinity Health senior page: Affinity Health - Senior Cover. If you want hospital-only protection, see the hospital plan details here: Hospital Plan.

Provider access and practical considerations

• Confirm which private hospitals and routine care providers are available near you using the provider finder: Find a Provider.
• Understand in-hospital definitions and what counts as an admission to avoid unexpected out-of-pocket costs.
• If you need both routine visits and in-hospital cover, the combined senior plan option simplifies monthly budgeting by consolidating benefits.

How to choose the right senior plan for your retirement

Deciding between day-to-day, hospital or a combined option depends on your routine healthcare use, any planned procedures and your monthly budget. Pensioners who visit a healthcare practitioner regularly or require dental and optical care often benefit from a combined plan, while those primarily concerned about major hospital events may prefer the hospital-only option.

Step-by-step selection guide

• List expected routine needs for the year: consultations, dental checks and optical replacements.
• Consider any known procedures or conditions that could lead to hospital admission.
• Compare the senior plan options and model your likely annual out-of-pocket expenses for each to find the most budget-friendly choice.

Sample comparison - what to expect

Next steps and ways to act

Compare the senior range and see which option fits your lifestyle. View the combined plan details here for an at-a-glance comparison: Combined Plan. Ready to move forward? Get a personalised quote or join the senior range to start protection tailored to retirees and pensioners.

If you want to confirm nearby private hospitals and routine providers before you decide, use the hospital provider finder: Find a Hospital Provider.

Sources

• National Department of Health - Government of South Africa
• Statistics South Africa - Health indicators and population data
• Affinity Health - Senior Cover