Why Optometry Cover Matters for Couples

For couples in South Africa, clear vision is an essential part of daily living and overall wellbeing. Optometry benefits within a health insurance plan help ensure affordable access to routine eye tests, spectacles, contact lenses, and the early detection of vision problems. Knowing that both partners can get quality eye care means fewer disruptions to work, social life, and family activities.

Key Benefits Included in Optometry Cover

• Annual eye tests for both adults
• Allowance for prescription spectacles or contact lenses (subject to limits)
• Discounted upgrades on frames and lenses with designated network providers
• Access to established optometrists across South Africa

When comparing optometry benefits, couples should consider:

• Coverage limits per person per year
• Type of providers within the network
• Waiting periods or exclusions
• Whether benefits renew each calendar or policy year

Types of Health Insurance Plans Offering Optometry Benefits

Most optometry cover is included as part of a day-to-day or combined health plan, instead of as a stand-alone option. The Day-to-Day range from Affinity Health is designed for adults seeking routine care benefits, including GP visits and optometry. Combined plans add hospital protection to everyday care for broader peace of mind. Couples between 18 and 54 years benefit most from the Standard Combined Plan, while those seeking innovation in benefit structure can explore the Innovator Range, which also includes optometry services.

Cost Considerations for Couples

Optometry benefits are typically a built-in part of the monthly premium on day-to-day or combined plans. For example, the Standard Combined Plan starts at R1,068 per adult per month, and includes day-to-day benefits such as optometry. See more about plan rates here.

How to Maximise Optometry Benefits

Couples can stretch the value of their optometry cover by:

• Scheduling joint annual eye tests for efficiency
• Choosing from the plan's network for discounted or fully covered eyewear
• Reviewing benefit renewal schedules to ensure yearly upgrades

Sample Optometry Benefit Table

For the most up-to-date optometry benefit details and relevant plan options in your area, use the Find a Provider page to see optometrists in the network. Couples nearing retirement age who want eye care as part of a larger health cover package should also explore the Senior Cover.

Getting the Best Value from Your Health Plan

• Stay within the designated provider network for full benefits
• Submit claims soon after your visit for faster processing
• Consult your plan documents to understand approved eyewear brands and frame upgrades

Sources

• Affinity Health - Day-to-Day Cover
• Affinity Health - Combined Plan
• Affinity Health - Innovator Range
• South African Optometric Association
• Statistics South Africa - Eye health data