Balanced Health Cover Designed for Everyday Life and Major Events

Affinity Health specialises in affordable comprehensive health cover that helps South Africans manage everyday medical expenses while protecting against significant in-hospital costs. Our plan options support young professionals, families with children, and retirees who want reliable Health Insurance without an excess of complexity.

What affordable comprehensive health cover includes

• Day-to-day benefits for routine care: general practitioner consultations, basic dentistry and optical network access where selected.
• In-hospital protection for admissions: theatre and ward fees, approved clinician fees and hospital procedures when admitted.
• Support services such as virtual consultations and Emergency Medical Response guidance when required.

Why this approach works for South Africans

Combining everyday benefits with in-hospital protection reduces the risk that routine costs delay care, while ensuring major events are covered by your Health Insurance. Affinity Health offers plan options across age groups: Junior (0-17), Standard and Innovator (18-54), Senior (55+), and Group Cover for organisations.

Explore the Combined plan to see how day-to-day care plus in-hospital protection can fit into your monthly budget: Combined Plan details. If you only want stronger outpatient cover, start with our Day-to-Day plan overview: Day-to-Day plan.

Benefit highlights and how they work

• Predictable monthly payments: pick a plan option that aligns with your household budget.
• Clear in-hospital rules: admissions covered when treatment occurs in a recognised private hospital.
• Out-of-hospital access: use network services for routine care and virtual consultations with a Healthcare Practitioner.

Affinity Health focuses on making health cover accessible. Whether you are a young professional prioritising outpatient access or a retiree prioritising in-hospital limits, our plan options let you balance everyday convenience with protection from large bills. Get a personalised quote or compare plan options online to find the best fit for your situation.

Ready to compare? Get a quote or compare plans now to see how affordable comprehensive health cover can protect your family and budget.

Choosing the Right Level of Cover for Your Needs

Selecting the right plan depends on family size, ages and typical healthcare use. Young families often prioritise stronger day-to-day benefits for frequent child GP visits, while older adults may prioritise higher in-hospital limits. Follow these practical steps to choose.

Step-by-step selection guide

• List routine needs: estimate annual GP visits, dental and optical needs.
• Assess major-event risk: consider planned procedures or existing conditions that may lead to hospital admission.
• Compare plan options: match expected out-of-pocket exposure against monthly payments and excess choices.

Practical features that keep cover affordable

• Budget-friendly plan options let you prioritise the benefits you need most.
• Clear policy terms with defined waiting periods and in-hospital definitions to avoid surprise costs.
• Wide provider access: find approved hospitals and practitioners to use your benefits efficiently.

See where you can access care using our provider finder and confirm which hospitals are included in our network before you need them: Find a hospital provider. For outpatient practitioners and service points use the general provider search: Find a provider.

South Africa-focused scenarios and guidance

• Family planning: prioritise day-to-day benefits for routine child healthcare and a combined option to protect against unexpected surgical admissions.
• Working adults: choose mid-level in-hospital limits and solid day-to-day access for quick GP consultations and virtual consultations when commuting is difficult.
• Retirees: consider higher in-hospital protection and routine outpatient allowances for ongoing check-ups.

Compare plans quickly on our website and join now when you find the option that fits your budget. For full plan descriptions and plan option ranges, visit the Hospital plan overview: Hospital plan.

Sources

• Affinity Health - Homepage
• National Department of Health, South Africa
• Statistics South Africa - Health indicators