Affordable full medical cover that fits your budget and needs

Affinity Health offers affordable full medical cover designed for South Africans who want both day-to-day benefits and in-hospital protection in one budget-friendly plan. Whether you are a young professional, a family with children, or a retiree, an combined approach helps you manage routine consultations, basic dental and optical needs while protecting against large hospital bills.

What affordable full medical cover includes

• Day-to-day benefits for GP visits, basic dental and optometry access and acute medicines through the day-to-day component - see our day-to-day plan details for scope and limits: Day-to-Day Cover.
• Hospital protection that covers in-hospital admissions, theatre and ward fees and approved practitioner fees while admitted - read about hospital plan inclusions: Hospital Plan.
• A combined plan option that merges both sets of benefits into a single monthly premium, simplifying budgeting and claims management - more on combined plans here: Combined Plan.

Who benefits most from this approach?

• Young professionals wanting reliable access to GPs and virtual consultations while protecting against unexpected hospital costs.
• Families with children requiring regular paediatric visits, vaccinations and occasional dental care, plus hospital protection for emergencies.
• Retirees seeking predictable monthly costs for routine care and clear in-hospital protection for surgical events.

Key differences between combined cover and single-focus plans

Affinity Health focuses on making private health cover accessible and affordable since 2011. Our combined plan options are designed to provide essential cover without the complexity of multiple, separate policies.

How to choose the right affordable full medical cover

Choosing the correct level of affordable full medical cover comes down to family size, health needs and monthly budget. Follow a three-step assessment to narrow options: list routine care needs, estimate potential hospital exposure, and compare plan options for value.

Step-by-step selection guide

• Inventory routine services: Count expected GP visits, dental check-ups and eyewear needs for the year.
• Consider household risks: Factor in any planned procedures or activities with higher injury risk.
• Compare plans: Review combined plan details and benefit limits to estimate likely out-of-pocket amounts for your household.

Practical features that improve affordability

• Clear plan options so you can prioritise the most-used benefits for your budget.
• Choice of co-payment levels to lower monthly premiums while retaining in-hospital protection.
• Access to virtual consultations and support from healthcare practitioners for minor concerns, reducing unnecessary clinic visits.

Compare plans and get a quote

To explore specific combined plan details and compare the best value for your circumstances, review our combined plan information and use online quoting tools to compare options. See plan descriptions and examples on the combined plan page: Combined Plan. For help finding participating providers near you, use our provider search: Find a Provider.

Realistic expectations for South African households

Affordable full medical cover reduces the risk of large, unexpected hospital costs and makes routine care more accessible. When evaluating options, consider the likely frequency of GP visits, number of dependants and any known upcoming procedures. This ensures the combined plan you choose aligns with your monthly budget and healthcare needs.

Next steps

• Review combined plan benefits and limits on the combined plan page: Combined Plan.
• Compare day-to-day inclusions to ensure routine care needs are covered: Day-to-Day Cover.
• Review hospital protection details: Hospital Plan.

Sources

• Affinity Health - Combined Plan
• Affinity Health - Day-to-Day Cover
• Affinity Health - Hospital Plan Guide
• National Department of Health South Africa - Health information
• Statistics South Africa - Health indicators