Group health insurance designed for employers and employees

Employers seeking the best-full-medical-cover-for-employees want dependable protection that balances everyday care with in-hospital events while keeping monthly costs predictable. Affinity Health’s Group Cover range offers eight combination plans that bundle day-to-day benefits with hospital protection for working-age adults, available only to groups and designed to support staff wellbeing, retention and productivity.

Why choose a group approach for employee cover?

• Cost-efficiency: Pooling employees into group plans often lowers per-person premiums compared with individual retail cover.
• Consistent benefits: Standardised plan options make administration and communication straightforward for HR teams.
• Comprehensive protection: Combination plans include both day-to-day access for routine care and hospital protection for major events.

What Affinity Health’s Group Cover includes

Affinity Health’s Group Cover provides eight combination plans that integrate day-to-day benefits and hospital protection for working-age adults. These plans are only available to registered groups and not to retail customers. Typical inclusions are GP consultations, basic dentistry and optical benefits under day-to-day allowances, plus in-hospital admissions, theatre and ward fees and approved clinician fees under hospital benefits.

How group cover supports different employee groups

• Young professionals: Emphasis on day-to-day access for GP visits and acute medicines to reduce time off work.
• Parents and families: Balanced benefits that include paediatric day-to-day services and robust hospital protection for accidents.
• Older working employees: Stronger hospital limits to protect against higher likelihood of major procedures.

To explore corporate plan options and enrollment requirements, review our Group Cover overview on the Affinity Health site: Affinity Health - Group Cover. For operational planning and to map out provider access for your employees, use the provider search: Find a provider.

Practical consideration: administration and rollout

• Eligibility and enrolment: Confirm group membership rules and required documentation before launch.
• Communication: Clear employee guides explaining visit limits, claim procedures and waiting periods reduce queries and delays.
• Provider access: Publish a list of in-network hospitals and healthcare practitioners so employees know where to seek care.

Comparing plan features and selecting the best-full-medical-cover-for-employees

Choosing the right group plan requires matching benefits to workforce needs, assessing likely utilisation, and setting affordable employer and employee contribution levels. Affinity Health’s eight combination plans allow you to select the level of day-to-day benefits alongside hospital protection so you can align cover with budget and risk tolerance.

Feature comparison at a glance

Steps to implement group cover

1. Assess workforce composition: age bands, family dependants and expected utilisation patterns.
2. Compare the eight combination plans and shortlist 2-3 that meet most needs.
3. Request a formal quote and membership rules from Affinity Health and run internal affordability scenarios.
4. Communicate benefits clearly and schedule an enrolment window to onboard employees efficiently.

Affinity Health supports groups with implementation guidance and a provider directory so employees can locate participating hospitals and clinicians. For hospital locations relevant to your workforce, see: Find a hospital provider. To learn more about the company and other plan ranges for individual employees, visit the Affinity Health homepage: Affinity Health - Homepage.

Getting a quote and next steps

To receive a formal group quote, prepare a summary of employee numbers, age distribution and preferred contribution model. Ask for comparisons across the available combination plans so you can compare benefits side-by-side. Common employer actions include negotiating employer/employee contribution splits and selecting a standard waiting period that fits organisational needs.

Ready to compare plans, get a quote or join now? Submit a group enquiry to Affinity Health for tailored guidance based on your employee profile and budget objectives.

Sources

• Affinity Health - Group Cover overview
• Affinity Health - Find a hospital provider
• National Department of Health South Africa
• Statistics South Africa - health indicators