Practical full medical cover without breaking your monthly budget

Affinity Health was founded to make private health cover accessible and affordable for every person living in South Africa. For many households the priority is a single plan that covers routine out-of-hospital care and also protects against large in-hospital costs. Our combined plan options deliver day-to-day benefits alongside in-hospital protection, letting families, young professionals and retirees manage both routine visits and unexpected admissions with one monthly premium.

What a budget full medical cover typically includes

• Day-to-day benefits: GP visits, basic dentistry and optometry network access for routine care and acute medicines.
• Hospital protection: In-hospital admissions, theatre and ward fees, consulting clinician fees and in-hospital procedures.
• Support services: Virtual consultations for quick advice and Emergency Medical Response when required.

Why choose a combined approach?

A combined plan avoids the gap between routine care and major events. Without day-to-day benefits, families often delay GP visits or basic dental care; without hospital protection, a single admission can cause significant financial strain. A budget full medical cover balances these needs so you can maintain regular care while being protected from high in-hospital costs.

Compare core plan elements

To explore plan specifics, view our combined plan overview and day-to-day details. Compare what each plan includes and decide what aligns best with your family’s needs.

Learn more about combined plan options on the Affinity Health site: Combined plan details and review day-to-day benefits here: Day-to-day cover.

When you are ready to compare options, get a quote online to see how different plan choices affect your monthly premium and out-of-pocket exposure. Get a quote and compare plans to find a budget full medical cover suited to your household.

How to choose a budget full medical cover that fits your life

Choosing the right combined plan depends on age profile, household size, and likely healthcare use. Young professionals may prioritise strong day-to-day benefits for routine care and virtual consultations, while retirees often place emphasis on higher hospital limits. Follow a simple decision process to match coverage to need and budget.

Step-by-step selection guide

• List expected routine needs per year: GP visits, dental check-ups, eyewear replacements and vaccinations for children.
• Estimate risk: Consider planned procedures, chronic conditions or occupational risks that might lead to hospital admission.
• Compare benefit structure: Check day-to-day visit limits and hospital benefit inclusions for in-hospital procedures and consulting clinicians.
• Review waiting periods and any exclusions in the plan documents before deciding.

Practical affordability strategies

• Choose the plan group that matches your age band - Junior, Standard, Innovator or Senior - to access the correct pricing and benefits.
• Consider switching to a plan option with different benefit levels if your healthcare use changes; moving between plans can adjust your monthly cost.
• Use virtual consultations where appropriate to reduce travel and time off work while still receiving clinical advice from an approved clinician.

If you want to check which private facilities are covered in a given plan, use our provider lookup to confirm hospital or clinician access: Find a hospital provider. For out-of-hospital clinicians and practices, search here: Find a provider.

Common South African use cases

• Young professional in the city: Prioritises day-to-day benefits and virtual consultations to keep monthly costs predictable while retaining hospital protection.
• Family with children: Strong day-to-day cover for frequent child GP visits and immunisations, plus hospital protection for accidental admissions.
• Older adult/retiree: Focus on higher hospital limits and clear in-hospital inclusions to manage the risk of significant procedures.

Ready to compare plans? Visit our combined plan page and request a quote so you can see which option meets your budget and healthcare priorities. Join now or compare plans online to move from uncertainty to clear monthly budgeting.

Sources

• Affinity Health - Combined plan overview
• National Department of Health South Africa - Department information
• Statistics South Africa - Health indicators and data