Complete health insurance that balances routine care and major medical events

Choosing the right medical insurance means matching predictable day-to-day benefits with strong in-hospital protection. Affinity Health has offered budget-friendly private health cover since 2011, specialising in long-term health insurance that keeps private primary healthcare within reach for most South Africans. Our plan ranges are designed for different life stages: children, working-age adults, older adults and group employees.

Affinity Health plan groups at a glance

• Junior (ages 0-17): Day-to-day, Hospital and Combined options for child healthcare needs. See Junior details here.
• Standard Range (ages 18-54): One Day-to-Day plan, one Hospital plan, and one Combined plan that suit young professionals and families. Learn about Day-to-Day benefits here.
• Senior (55+): Plans geared to retirees with a Day-to-Day, Hospital and Combined option for age-specific needs. Senior details are available on the Senior page.

Why choose a combined approach for core protection?

A combined plan brings day-to-day care together with in-hospital protection under a single monthly contribution. This reduces the chance that routine costs are deferred and ensures you have financial protection for admissions, theatre fees and approved consultant care while keeping routine GP visits, dentistry and acute medicines accessible.

Key features that matter to South African families and professionals

• Budget-focused premiums and plan options for different ages and household sizes.
• Access to a nationwide provider network, including private hospitals and approved clinicians; find hospital providers here.
• Remote consultations for quick clinical advice and non-emergency support via approved virtual consultations.

Who benefits most from Affinity Health plans?

• Young professionals seeking affordable cover that includes GP access and protection for unexpected surgeries.
• Families who need predictable monthly budgeting for both routine care and potential hospital events.
• Retirees who prefer a clear set of benefits for age-related health needs with straightforward plan options.

Explore Combined plan options and compare how day-to-day and hospital benefits work together on the Combined plan page, where you can get a quote and compare plans to match your household composition and budget.

Detailed comparisons and how to pick the best plan for you

Selecting the right plan involves reviewing typical use patterns, expected clinical needs and monthly affordability. Affinity Health offers a clear set of plan options so you can prioritise key benefits without paying for unnecessary extras. If you want more advanced combination options for working-age adults, review the Innovator range for additional combined-plan choices here.

Comparison - core benefit areas

Step-by-step guide to decide

1. Estimate annual routine visits for each household member (GP, dental, optometry).
2. Consider known medical procedures or planned surgeries within the next 12 months.
3. Compare the combined plan option against separate day-to-day and hospital plans for total monthly cost and convenience.
4. Use provider search tools to confirm access to preferred hospitals and clinicians before you join.

Affinity Health makes it easy to compare plans online and get a quote - use the Combined plan page to view what’s included, compare benefits, and get a personalised quote. For a quick look at hospital-only protection, visit the Hospital plan page to weigh up in-hospital limits and waiting periods.

Ready to compare options? Get a quote now, compare plans side-by-side, or join now to start your private health cover. If you represent a business looking for group options, Group Cover is available exclusively to employer groups with several combination plan choices for employees.

Sources

• Affinity Health - Homepage
• Affinity Health - Combined Plan
• National Department of Health - South Africa
• Statistics South Africa - Health indicators