Practical, affordable comprehensive medical insurance designed for South Africa

Affinity Health helps South Africans access affordable comprehensive medical insurance that combines day-to-day benefits with in-hospital protection. Our combined plan options are aimed at individuals, families with children, young professionals and retirees who need predictable monthly costs and reliable access to private care when it matters most. Choose plan options that prioritise routine GP visits, basic dentistry and optical needs alongside theatre and ward cover for in-hospital events.

What a combined approach delivers

• Day-to-day benefits for routine care such as GP consultations, acute medicines and basic dental and optical services.
• Hospital protection for admissions, theatre and ward fees, approved clinician fees and in-hospital procedures.
• Practical support services including remote consultations and Emergency Medical Response coordination where required.

Who benefits most

If you are a young professional wanting manageable monthly premiums, a family protecting children’s routine care, or a retiree prioritising in-hospital protection, a combined plan provides a single, budget-friendly way to manage both routine and major events. For plan details and the structure of combination plans, see our combined plan.

Key inclusions and typical limits

• Access to GP consultations and selected private clinic services (subject to plan limits).
• Basic dental and optical benefits up to defined annual limits.
• In-hospital cover for admissions, theatre, ward and in-hospital procedures when clinically necessary.

Learn more about day-to-day benefit structures on the day-to-day plan page, and review in-hospital inclusions on our hospital plan.

Pricing and keeping premiums affordable

• Choose the level of day-to-day benefit and hospital limit that fits your monthly budget.
• Select higher excess options to reduce monthly premiums while keeping core protection for major events.
• Consider the Junior and Senior ranges where applicable to access age-appropriate plan options for children and older adults.

Get a clear comparison of plan options and find the most budget-friendly balance for your household by comparing combined, day-to-day and hospital plan features.

How to choose the right affordable comprehensive medical insurance

Choosing the right plan is a balance between everyday access and protection against large, unexpected bills. Follow a simple selection process: list routine needs, estimate likely in-hospital risk, and compare plan options to match benefits with your monthly budget.

Step-by-step selection guide

• List expected routine needs: number of GP visits, dental check-ups and eyewear replacements per year.
• Assess household risk: upcoming procedures, age-related risks or occupational hazards.
• Compare plan options: weigh day-to-day limits against hospital limits and excess choices for monthly affordability.

Provider access and using your plan

Affinity Health provides access to a nationwide network of private hospitals and approved clinicians. Before planned admissions, check participating hospitals via our provider lookup tools to understand where your in-hospital benefits apply. Use our provider directory for hospitals and other clinicians when planning care: find a hospital provider or find other providers.

Common South African scenarios

• Young professionals: prioritise day-to-day cover for GP visits and remote consultations while maintaining solid in-hospital limits for surgical events.
• Families with children: select generous day-to-day benefits for frequent child healthcare and moderate hospital limits for unexpected admissions.
• Retirees: focus on stronger in-hospital protection with sensible day-to-day limits for routine maintenance care.

Next steps - compare and join

Compare combined plan options, get a quote and join now to start predictable monthly coverage. Use the combined plan page to review full inclusions and to request a quote tailored to your household composition.

Sources

• National Department of Health, South Africa
• Statistics South Africa - Health indicators
• World Health Organization - South Africa