Complete Health Insurance Designed for North West Residents

Affinity Health focuses on making private Health Insurance accessible and budget-friendly across South Africa. For people in the North West province, a complete approach combines routine out-of-hospital care with in-hospital protection so you can manage everyday health needs and avoid large unexpected bills. Our combined plan options bring together day-to-day benefits with hospital cover in one budget-friendly plan.

Who this is for

• Young professionals seeking dependable cover while staying within a monthly budget.
• Families with children who need regular GP visits, basic dentistry and immunisations.
• Retirees who prioritise in-hospital protection alongside selected out-of-hospital services.

Core plan groups and age ranges

Affinity Health offers plan groups that match common life stages: Junior (0-17 years), Standard Range (18-54 years), Innovator (18-54 years with extended combination options), Senior (55+ years) and Group Cover for employer groups. The combined plan structure is available across Junior, Senior and Standard ranges and through the Innovator and Group Cover combination options for working-age adults.

Key inclusions in a combined plan

• Day-to-day benefits: GP consultations, basic dental and optical network access, and acute medicine allowances.
• Hospital protection: In-hospital admissions, theatre and ward fees, approved clinician fees and in-hospital procedures.
• Remote consultations: Access to virtual consultations with healthcare practitioners for minor concerns and follow-ups.

Affordability and how to manage premiums

Affinity Health concentrates on lower-cost Health Insurance options without sacrificing essential protection. You can control monthly premiums by selecting a plan group appropriate for ages in your household, and by choosing the balance between day-to-day benefits and hospital limits. For a clear overview of day-to-day offerings and what they typically cover, see our Day-to-Day plan information.

Access to care across the North West

Private Healthcare access in the province is supported by our provider listings. Use our provider finder to locate hospitals and healthcare practitioners near you so you know where to go for planned admissions or routine care. Find local hospital providers with the Affinity Health directory: Find a Hospital Provider.

Choosing the right combined plan for your household

Selecting the right combined plan depends on household composition and budget priorities. Young families often prioritise strong day-to-day benefits for frequent child healthcare, while older adults typically prioritise higher hospital limits. Affinity Health’s Innovator range offers additional combination plan options for working-age adults who want expanded benefit mixes.

Step-by-step selection guide

1. List routine needs: estimate GP visits, dental check-ups and eyewear replacements per year.
2. Assess in-hospital risk: consider planned procedures, chronic conditions or lifestyle risks.
3. Compare plan groups: review Junior, Standard, Innovator or Senior options for age-appropriate pricing and benefits.
4. Get a quote and compare plans side-by-side-use the online quote tool to see plan options and estimated monthly premiums for your household.

Provider access and practical use in South Africa

When you choose Affinity Health, you get access to a wide list of participating hospitals and healthcare practitioners across the country. For local North West decisions, check the provider directory to confirm in-hospital coverage and nearby practitioners. If you need hospital admissions, confirm the facility and how Emergency Medical Response services are arranged through your plan before you travel for care. Use the general hospital plan overview here for more detail: Hospital Plan information.

South African use cases and budgeting

• Single professionals: prioritise higher day-to-day allowances or modest hospital limits depending on lifestyle risk.
• Family households: balance strong day-to-day benefits for children with mid-level hospital protection.
• Older adults: consider Senior combined plans focused on robust hospital protection with selected out-of-hospital benefits.

To compare plan groups and understand the differences between our Standard Range and Innovator options, review plan details and comparisons on the Innovator overview: Innovator Range.

Sources

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