Complete health insurance designed for Pretoria residents and families

Finding an affordable complete health insurance option that balances everyday care with in-hospital protection is a priority for many South Africans living in Pretoria. Affinity Health offers plan options that combine day-to-day benefits with hospital cover so you can manage routine consultations, basic dental and optometry needs while protecting your household against larger in-hospital costs.

What a combined plan covers

• Day-to-day benefits: GP consultations, basic dentistry, optometry network access and acute medication allowances where included.
• Hospital protection: In-hospital admissions, theatre and ward fees, clinician fees for approved in-hospital treatment, and selected in-hospital scans and procedures.
• Support services: Remote Healthcare Practitioner consultations and Emergency Medical Response coordination for qualifying events.

Who benefits most in Pretoria

• Young professionals seeking predictable monthly costs and access to private care.
• Families who need strong day-to-day cover for children plus hospital protection for major events.
• Retirees who prioritise reliable in-hospital protection while keeping routine care affordable.

Affinity Health’s combined plan options are available across age ranges: Junior plans for 0-17, Standard and Innovator options for adults 18-54, and Senior plans for 55+. Group Cover is available for employer groups. Learn more about plan groups and age ranges on our homepage.

Clear benefit structure and predictable administration

Combined plans consolidate routine and in-hospital cover into one monthly premium so you can budget more effectively. Affinity Health separates day-to-day allowances from hospital limits so you understand your cover at a glance, and we provide easy ways to compare Combined plan options and what each includes. Use the Combined plan overview for full details and to compare available plan options here.

Explore day-to-day specifics on the Day-to-Day summary here, and read about hospital-level protection on the Hospital plan page to understand in-hospital inclusions and exclusions here.

Affordability, access and how to choose the right level

Affordability comes from selecting the right balance of day-to-day allowances and hospital limits for your household. Consider family size, ages and likely routine needs. Young families often prioritise stronger day-to-day benefits for frequent child consultations, while older members often need higher in-hospital protection.

Practical steps to choose a combined plan

• Estimate annual routine visits: count GP visits, dental check-ups and eyewear needs.
• Identify likely hospital risk: consider planned elective procedures or known health conditions that may lead to admissions.
• Compare combined plan limits: match estimated out-of-pocket exposure to available plan options and excess choices.
• Check waiting periods and in-hospital definitions so you know when specific benefits apply.

Provider access around Pretoria

Affinity Health gives members access to a wide network of private hospitals and healthcare practitioners across Pretoria and surrounding areas. Use our provider lookup to confirm participating hospitals and practitioners in your suburb before you apply: Find a hospital provider and find a Healthcare Practitioner.

How to get started - simple application path

1. Decide which plan group suits your household (Junior, Standard, Innovator or Senior).
2. Use the online tools to compare Combined plan options and request a quote.
3. Complete the online application and select your preferred payment method.
4. Once accepted, cover typically begins following the required waiting periods; confirm start dates in your policy schedule.

Compare common questions

Ready to compare plans and get a personalised quote? Visit the Combined plan page to compare specifics and request a quote, or start on the homepage to explore all plan groups and options. Get a quote today to see how much a combined plan will cost for your Pretoria household.

Sources

• Affinity Health - Homepage
• National Department of Health South Africa - Department overview
• Statistics South Africa - Health indicators and demographics