Why a combined plan works well for students

A best combination health plan for students pairs day-to-day benefits (GP visits, basic dentistry, acute medicines and routine care) with hospital protection for surgery, admissions and theatre costs. For many students living away from home, this approach delivers predictable monthly budgeting while ensuring protection against major medical bills.

Key student priorities

• Affordable monthly premiums and clear limits for routine care.
• Strong in-hospital protection for accidents, appendicitis, or other admissions.
• Access to virtual consultations and emergency medical response when off-campus.
• Simple application and fast authorisation processes suitable for busy student life.

Which Affinity Health plan groups suit students?

Students aged 18-54 will generally look at the Standard Range or the Innovator range. The Standard Range offers a single combined plan option with entry-level pricing and straightforward benefits, while the Innovator range includes multiple combination plan options for different budgets and benefit mixes. Learn more about the combined plan structure on our Combined Plan page and compare Innovator options on the Innovator Range.

How benefits typically stack up for students

Affinity Health’s combined approach simplifies claims and billing during a stressful event, while day-to-day benefits reduce the need to pay out-of-pocket for common consultations. For precise pricing and premium bands relevant to students, view our current pricing and premiums on the pricing page.

Get a personalised estimate quickly - use the online quote tool to compare plan options and find the best combination health plan for students based on age and household composition.

Choosing the right combination plan - step-by-step

Selecting the best combination health plan for students involves balancing monthly cost, day-to-day benefits and hospital limits. Follow these practical steps to decide confidently.

Step-by-step selection guide

• Estimate routine use: count expected GP visits, dental check-ups and any ongoing prescriptions for the year.
• Assess risk exposure: living away from home or engaging in contact sports increases the value of stronger hospital limits.
• Compare plan options: look at combined plans in the Standard Range and Innovator range and match benefit amounts to expected needs.
• Confirm waiting periods and claim rules so you understand when full benefits apply.

Practical South African student scenarios

• Undergraduate living on campus: moderate day-to-day benefits for GP visits and acute medicines plus mid-level hospital protection for accidents.
• Student athlete or commuter: stronger hospital limits recommended to protect against surgery and admissions.

Provider access and claims support

Affinity Health members can locate participating hospitals and healthcare practitioners through our provider search. Find options near campus or home to make appointments and claims easier: Find a Provider. For plan pricing and exact premium amounts that apply to students, view current pricing and premiums here: pricing and premiums.

Compare, get a quote, and join

Compare combined plan options, get a quote and join online. A quick quote will show which combination plan offers the most value for a student profile. Visit the Affinity Health homepage for tools, FAQs and the application portal.

What to watch for in plan documents

• Annual limits and sub-limits for day-to-day services.
• Specific waiting periods for certain benefits.
• Definition of in-hospital services and how emergency medical response is provided.

Sources

• Affinity Health - Combined Plan overview
• Affinity Health - Innovator Range
• Statistics South Africa - health indicators and population data
• National Department of Health South Africa