All-in-one health cover suited to Durban lifestyles

When you want predictable monthly costs and private healthcare access in Durban, a combined plan (day-to-day benefits plus in-hospital protection) provides balanced cover for routine care and major medical events. Affinity Health specialises in affordable, long-term health insurance options for South Africans - including options for young professionals, families with children and retirees. Our plan groups include Affinity Junior (0-17), Affinity Senior (55+), the Standard Range (18-54), Innovator combination plans (18-54) and Group Cover for employer groups.

What a combined plan typically includes

• Day-to-day benefits: GP consultations, basic dentistry and optical benefits through network providers, and acute medicine support.
• Hospital benefits: In-hospital admissions, theatre and ward fees, approved clinician fees and in-hospital scans and procedures.
• Support services: Virtual consultations with a healthcare practitioner and Emergency Medical Response when needed.

Affinity Health offers combined plans across several ranges. For plan details and comparisons, see our Combined Plan page and review day-to-day inclusions on the Day-to-Day plan page.

Who benefits most in Durban

• Young professionals who need quick GP access and protection for unexpected hospital costs.
• Families with children who use day-to-day benefits for routine care and want hospital protection for serious events.
• Retirees seeking straightforward in-hospital cover with selected out-of-hospital benefits through Senior options.

Key features Durban residents look for

• Budget-friendly monthly premiums and clear excess options to manage monthly cashflow.
• Access to private hospitals and network providers for faster care.
• Virtual consultations with a healthcare practitioner for minor issues and follow-up advice.

Affordability, provider access and choosing the right level

Choosing the right plan in Durban balances routine access with protection against major bills. Affinity Health’s approach focuses on straightforward benefit structures so you can compare what matters: day-to-day allowances, in-hospital limits and excess options. Use the hospital plan overview for details on in-hospital events and facility access: Hospital plan information.

Step-by-step: how to pick a plan for your household

1. Count routine needs: estimate GP visits, dental check-ups and any regular medicines per year.
2. Consider risk exposure: evaluate sports, work or lifestyle risks that may increase chance of in-hospital events.
3. Compare benefit focus: higher day-to-day limits for young families, higher in-hospital limits for older adults.
4. Get a quote and compare plans side-by-side before you join. Start with a quick quote on our site to see plan options.

Quick comparison - what each plan type covers

Provider access in Durban

Affinity Health members can use private hospitals and a wide provider network. Find participating hospitals and clinics near you using our provider search: Find a hospital provider. For routine out-of-hospital providers, use the general provider search for GPs and network clinicians.

Getting started in Durban

Compare plans, review benefit limits and choose a budget-friendly option that fits your household. When you’re ready, get a quote online or review the combined plan comparisons to join. If you need plan options for adults or families, review our range pages before applying.

Sources

• Affinity Health - Combined Plan details
• Affinity Health - Day-to-Day Cover
• Affinity Health - Hospital Plan information
• Affinity Health - Find a hospital provider
• National Department of Health South Africa - Official information