Senior Health Cover Designed for People Aged 55+

Affinity Health’s affordable comprehensive health cover for seniors focuses on straightforward benefits that matter most after age 55: in-hospital protection for surgeries and admissions, day-to-day access for routine consultations, and remote consultations with approved healthcare practitioners. Our Senior plans include one Day-to-Day option, one Hospital plan and one Combined plan so you can choose the level of everyday care and in-hospital protection that fits your monthly budget.

What senior cover typically includes

• Hospital protection: In-hospital admissions, theatre and ward fees, and approved in-hospital procedures.
• Day-to-day benefits (where included): GP and basic dental consultations, selected acute medicines and basic optometry access.
• Virtual consultations: Remote consultations with approved healthcare practitioners for follow-up and minor concerns.
• Emergency Medical Response: Access to ambulance services and co-ordination when immediate response is required.

Plan structure and how it helps seniors

Affinity Health keeps senior cover straightforward: pick a Hospital-only plan for focused in-hospital protection, choose Day-to-Day if routine visits are your priority, or select the Combined plan for both. The Senior combined option is helpful if you want predictable budgets for both routine care and potential hospital stays. Explore the Senior plan overview for full details on inclusions and waiting periods at Affinity Health - Senior Cover.

Benefits breakdown - at-a-glance

To see how a Senior combined plan compares with hospital-only or day-to-day-only options, compare plan summaries on our Combined plan page and Hospital plan page. Review benefits and then get a quote to see plan options for people aged 55 and older: Combined plan • Hospital plan.

Provider access and support

Affinity Health offers access to a wide network of private facilities and approved clinicians. Use the provider search to confirm nearby hospitals and clinics that accept your Senior plan: Find a hospital provider. Getting a quote is quick - compare plans and get a personalised monthly premium for your age group.

Ready to compare plans now? Get a quote or compare plans to find affordable-comprehensive-health-cover-for-seniors that fits your retirement budget.

How to choose the right senior plan in four steps

Selecting the right affordable comprehensive health cover for seniors means balancing routine access with protection against high in-hospital costs. Use this step-by-step guide to decide whether Hospital, Day-to-Day or Combined is right for you.

Step-by-step selection guide

• Assess routine needs: How often do you expect GP consultations, dental check-ups and medication reviews?
• Consider hospital risk: Evaluate recent medical history and any planned procedures that may need in-hospital care.
• Compare plan limits: Review inpatient limits, theatre cover and any co-payments to understand potential out-of-pocket exposure.
• Use provider search: Confirm that preferred hospitals and clinics are in the network before choosing a plan.

Practical examples for South African seniors

• Retiree with stable routine care needs: A Hospital plan plus pay-as-you-go for occasional GP visits may be cost-effective.
• Retiree who prefers predictable routine access: The Combined Senior plan provides both day-to-day consultations and in-hospital protection in one monthly premium.

What to watch for in plan documents

• Waiting periods for pre-existing conditions and specific procedures.
• Benefit limits for day-to-day consultations and any visit caps.
• Exact definitions of in-hospital services and what qualifies for payment.

Next steps - compare, quote, join

To start, compare the Senior plan options and request a quote tailored to your age. Use the Senior Cover page to view full plan descriptions, then get a quote online to see monthly premiums and start dates. If you want both routine care and in-hospital protection, review the Combined plan details and compare the benefits side-by-side: Senior cover details • Combined plan details.

Get a quote now to compare plan options and monthly premiums for people aged 55 and older - then join now to secure budget-friendly protection that matches your health priorities.

Sources

• Affinity Health - Senior Cover
• Affinity Health - Combined Plan
• National Department of Health South Africa - Health information
• Statistics South Africa - Health indicators