Complete health insurance designed for affordability and clarity

Affinity Health offers affordable complete health insurance in South Africa that combines day-to-day care with in-hospital protection. Our goal is to make private health cover accessible to young professionals, families with children and retirees by keeping premiums manageable while ensuring essential benefits for common healthcare needs and serious medical events.

What a complete plan typically includes

• Day-to-day benefits: GP consultations, basic dentistry, optometry network access and acute medicines through approved providers.
• Hospital benefits: In-hospital admissions, theatre and ward fees, approved clinician fees and prescribed in-hospital procedures.
• Convenience services: Remote consultations with healthcare practitioners for non-urgent advice and triage.

Plan groups and who they suit

• Affinity Junior (0-17 years): One day-to-day, one hospital and one combined option for children and dependants. See junior details here.
• Standard Range (18-54 years): Core day-to-day, hospital and combined plans for working adults and families. Learn about day-to-day benefits here.
• Affinity Senior (55+ years): One day-to-day, hospital and combined option focused on older adults.
• Innovator (18-54 years): A separate product line offering six combination plans for individuals who want different benefit mixes.
• Group Cover: Available exclusively to employer or organisational groups with eight combination plan options.

Affordability levers you can expect

• Choice of plan options across ranges so you only pay for the combination of day-to-day and hospital benefits you need.
• Clear definitions of in-hospital events and out-of-hospital benefits so you can compare estimated monthly costs and potential out-of-pocket exposure.
• Simple enrolment paths for individuals, families and groups to help you start cover quickly.

Explore combined plan features and compare benefit inclusions on the combined plan page to see which option best matches your household needs: Compare combined plans. Get a quote from that page to view personalised pricing and plan details for your family composition.

How to choose an affordable complete health insurance plan

Selecting the right plan depends on family size, ages and how often you expect to use routine services. Young families often prioritise generous day-to-day benefits for GP visits and child healthcare, while older adults may prioritise higher hospital limits.

Step-by-step selection guide

• Estimate routine use: Count expected GP visits, dental check-ups and eyewear needs per year.
• Identify risk factors: Consider any planned procedures, occupational risks or lifestyle activities that may increase injury risk.
• Match protection to budget: Choose a combined plan option that balances monthly premiums with acceptable out-of-pocket exposure for major events.
• Use remote consultations and network services to reduce unnecessary visits and manage minor conditions early.

Provider access and authorisations

Affinity Health gives access to a network of private hospital providers and approved practitioners for in-hospital and out-of-hospital care. Find nearby hospitals and clinicians through our provider directories to confirm convenience and access before you enrol: Find a hospital provider.

Practical South African scenarios

• Young professional: Prioritise strong day-to-day benefits for weekday primary care and a mid-level hospital element for surgical events.
• Family with children: Higher day-to-day limits for frequent GP visits and routine dental plus combined hospital protection for emergencies.
• Retiree: Combined plans from the Senior range with increased in-hospital protection and conservative day-to-day allowances.

Next steps and actions

Compare plan options online, view benefit summaries and request a personalised quote to see exact monthly premiums based on ages and family composition. To start, view combined plan details or get a quick estimate on our homepage:

• Compare combined plans and get a quote
• Start a quick estimate on the Affinity Health homepage

Sources

• Affinity Health - Combined Plan details
• Affinity Health - Day-to-Day benefits
• Statistics South Africa - Health indicators
• National Department of Health South Africa - official guidance