Health cover designed for retirees: simple, affordable, dependable

As you plan for retirement, choosing the right health insurance matters. Affinity Health offers senior-focused options that combine in-hospital protection with essential out-of-hospital benefits, helping you manage large medical events while keeping routine care accessible. Our Senior range is available to anyone aged 55 and over and includes Day-to-Day, Hospital, and Combined plan choices to suit different healthcare priorities and budgets.

What the Senior plans include

• Hospital cover for in-hospital admissions, theatre and ward fees, and approved clinician fees during hospital stays.
• Day-to-day options for GP consultations, basic dental care, and acute medicines on selected plans when you choose the Combined or Day-to-Day plan.
• Support services including virtual consultations with a Healthcare Practitioner and Emergency Medical Response assistance where applicable.

Plan choices in the Senior range

Why this approach suits South African retirees

• Predictable monthly budgeting: choose a plan that balances routine access with protection from high hospital costs.
• Access to private providers: use Affinity Health’s provider resources to find participating hospitals and clinicians quickly.
• Practical care: combine in-hospital protection with day-to-day benefits to avoid skipping routine appointments that maintain wellbeing.

If you want to compare a Combined option that merges daily care with hospital protection, view the Combined plan details here: Affinity Health - Combined Plan. For hospital-specific inclusions consult the Hospital plan page: Affinity Health - Hospital Plan.

How to choose the right senior plan for you

Selecting the most suitable plan depends on health needs, typical use of outpatient services, and the level of in-hospital protection you want. Below is a practical selection guide tailored for retirees.

Step-by-step selection guide

1. Assess routine needs: count expected GP visits, dental appointments and medicine needs in a typical year.
2. Consider risk exposure: think about the likelihood of hospital admissions or planned procedures over the next 1-3 years.
3. Compare plan inclusions: review whether the Day-to-Day, Hospital, or Combined option best reduces your potential out-of-pocket spending.
4. Check provider access: confirm nearby hospitals and clinicians using the provider finder for informed choices: Find a Hospital Provider and Find a Provider.

Common senior use cases in South Africa

• Retiree who expects regular GP visits: Day-to-Day or Combined to cover routine consults and basic dental care.
• Retiree prioritising protection from major bills: Hospital plan that focuses on in-hospital events and approved clinician fees.
• Couple on a fixed income: a Combined option that bundles day-to-day access with hospital protection for consolidated budgeting.

Practical tips before you join

• Review waiting periods for specific benefits so you understand when certain benefits start.
• Check which procedures are covered in hospital and whether remote consultations with a Healthcare Practitioner are included.
• Compare plan documents to confirm visit limits and benefit caps for day-to-day services.

Ready to compare options? Get a personalised quote and see plan comparisons that reflect your age and household composition on the Affinity Health homepage: Affinity Health - Home. If you prefer a focused look at senior offerings, revisit the Senior page for full benefit tables: Affinity Health - Senior Cover.

Sources

• Affinity Health - Senior Cover details
• National Department of Health South Africa - Official health guidance
• Statistics South Africa - Health and population indicators

Choosing senior medical cover is about balancing predictable monthly costs with protection from high in-hospital expenses. Affinity Health’s Senior range gives clear plan options for those aged 55 and over - compare the Day-to-Day, Hospital, and Combined choices and get a quote to see which matches your retirement priorities and monthly budget.