All-round health cover that fits your budget and needs

Choosing the best essential health cover means getting dependable protection for in-hospital events while keeping everyday healthcare affordable. Affinity Health offers plan options for young professionals, families with children and retirees that combine day-to-day benefits with hospital protection - or you can select either cover separately to suit your priorities.

What makes an essential, all-round plan the right choice?

• Predictable monthly premiums with clear benefit limits for routine consultations and in-hospital expenses.
• Access to private providers and streamlined claims administration to reduce administrative complexity.
• Plan options across age ranges: Junior (0-17), Standard and Innovator (18-54), Senior (55+), and Group Cover for employer schemes.

How Affinity Health packages essential cover

Affinity Health separates benefits into Day-to-Day (routine outpatient needs), Hospital (in-hospital treatment) and Combined plans that provide both. If you prioritise regular GP visits and basic dentistry, a Day-to-Day plan may be ideal. If protection against large hospital bills is most important, choose a Hospital plan. To balance both, explore the Combined plan options.

See the Day-to-Day plan details here: Day-to-Day plan and learn about Hospital benefits here: Hospital plan.

Key benefits at a glance

• Day-to-Day: GP consultations, basic dental and optical benefits, and selected acute medicine allowances (subject to plan limits).
• Hospital: Admission cover, theatre and ward fees, and approved in-hospital procedures and scans.
• Combined plans: One budget-friendly solution for both routine and in-hospital needs, ideal for families and working adults.

Affordability and how to compare plans

Compare plan features rather than names. Look at annual limits, visit caps (for day-to-day), hospital benefit ceilings and excess options to estimate monthly cost versus potential out-of-pocket risk. Use the Combined plan comparison to weigh both sides: Compare Combined plans. When you’re ready, get a quote to see exact pricing for your household.

Get a quote now to compare specific plan options and make an informed choice that matches your monthly budget and healthcare needs.

Choosing the best plan for your situation

Decide by assessing who will be covered, how often you use healthcare services and what risks you want covered. Young professionals often favour stronger day-to-day benefits and moderate hospital protection, while older adults may prioritise higher hospital limits. Families typically value well-rounded combined plans that reduce unexpected costs for children and parents.

Step-by-step selection guide

• List expected routine use: annual GP visits, dental check-ups and optical replacements.
• Estimate hospital risk: consider surgeries, planned procedures or higher accident exposure.
• Compare combined vs separate plans: use the Combined plan resource to weigh benefits and premiums.
• Consider provider access: check available hospitals and practitioners in your area before committing.

Provider access and support

Affinity Health members can use a wide provider network for private care. Confirm the hospitals and healthcare practitioners you prefer by using the provider finder: Find a hospital provider or search for outpatient practitioners here: Find a provider.

South African use cases (scenarios)

• Young professional: Strong day-to-day benefits and moderate hospital cover for peace of mind during active years.
• Family with children: Combined plans to cover frequent GP visits, immunisations and emergency hospital events.
• Retiree: Higher hospital limits and specific senior benefits to protect against major health events.

Next steps - compare, quote, join

Compare plan options side-by-side, request an exact quote to see monthly premiums and join when ready. Use the Combined plan page to start comparing benefits, then get a personalised quote to confirm costs and enrol. Get a quote, compare plans and join now to begin cover that suits your household.

Sources

• Affinity Health - Combined Plan details
• Affinity Health - Hospital plan overview
• Affinity Health - Day-to-Day plan information
• National Department of Health - South Africa