Comprehensive, budget-friendly health cover designed for South Africans

Affinity Health offers affordable full medical cover that combines day-to-day benefits with in-hospital protection so you can manage routine healthcare costs and the financial risk of hospital treatment. Our plan options suit young professionals, families with children, and retirees who want reliable health insurance without excessive monthly premiums. Learn how combined cover can protect your household budget while giving access to private providers and virtual consultations when needed.

What a combined full medical cover includes

• Day-to-day benefits: GP consultations, basic dentistry and optometry access for routine care and minor, acute treatment.
• Hospital (in-hospital) benefits: Admissions, theatre and ward fees, approved in-hospital procedures and inpatient consultations by a healthcare practitioner.
• Support services: Remote consultations for immediate advice and Emergency Medical Response coordination where applicable.

How Affinity Health keeps cover affordable

• Clear plan options so you only pay for the benefit mix you need.
• Simple claims processes and a focused provider network that reduces administration overheads.
• Budget-friendly choices for excess and benefit levels to lower monthly premiums while retaining essential protection for major events.

Plan groups and who they suit

• Junior range (0-17): Options that prioritise child healthcare and routine visits - view Junior plan details here.
• Standard range (18-54): Core combined and single-benefit choices for individuals and young families - compare day-to-day and hospital features on the combined plan page.
• Senior range (55+): Plans that reflect the different healthcare needs of retirees while staying budget-friendly - see Senior plan options here.

Get a quote to see which plan option fits your household composition and expected annual healthcare use. Compare plans to decide whether stronger day-to-day benefits or higher in-hospital limits are the priority for your family. Join now or compare plans online to get personalised guidance.

Choosing the right full medical cover for your situation

Selecting the right level of cover depends on household size, ages, existing health needs and monthly budget. Young families often prioritise generous day-to-day benefits for frequent child GP visits and immunisations, while older adults may choose higher in-hospital limits. Use the steps below to make a clear decision.

Step-by-step selection guide

• List routine needs: Estimate annual GP visits, dental check-ups and eyewear replacements.
• Anticipate hospital risk: Consider planned procedures, hobbies or work that carry higher injury risk.
• Match options: Compare the relative out-of-pocket exposure across day-to-day and hospital benefits and choose the balance that keeps your budget stable.

Provider network and access

Affinity Health gives access to a broad provider network across South Africa so you can seek private care and faster appointments. Find participating hospitals and healthcare practitioners using our provider look-up tools to confirm access in your area and understand where services are covered.

• Locate hospitals in the network: Find a hospital provider.
• Locate other practitioners: Find a healthcare practitioner.

Practical South African use cases

• Young professional: Prioritises affordable cover with strong day-to-day benefits for routine care and remote consultations for minor issues.
• Family with children: Chooses enhanced day-to-day access for GP visits and immunisations plus mid-level in-hospital protection for unplanned surgical events.
• Retiree: Selects higher in-hospital limits with sufficient day-to-day access for routine monitoring and eyewear.

What to check before you join

• Benefit summaries and in-hospital definitions to know what counts as an inpatient event.
• Waiting periods for specific benefits and any service exclusions listed in plan documents.
• How virtual consultations and Emergency Medical Response services operate within your chosen plan option.

Sources

• Affinity Health - Homepage
• Affinity Health - Hospital plan information
• National Department of Health South Africa - Official guidance
• Statistics South Africa - Health indicators