Group Combined Health Cover Designed for Employees

Affinity Health’s Group Cover gives employers access to budget-friendly combined health cover that protects employees against everyday healthcare costs and major in-hospital events in one plan. Group Cover is available exclusively to employer groups and is structured to simplify administration while giving staff reliable access to private providers and remote consultations when needed.

Why choose a combined plan for employees?

• Single-plan simplicity: Day-to-day care plus in-hospital protection in one plan option for predictable monthly budgeting.
• Employee wellbeing: Routine GP visits, basic dentistry and in-hospital treatment are managed under one combined benefit set.
• Administrative efficiency: Group Cover is designed for employers, reducing paperwork and centralising claims administration.

What Affinity Health Group Cover includes

• Day-to-day benefits: consultations with healthcare practitioners, basic dentistry and optical network access subject to plan limits.
• In-hospital benefits: admissions, theatre and ward fees, approved clinician fees and in-hospital procedures.
• Support services: remote consultations with clinicians and Emergency Medical Response coordination when required.

Plan options and how they fit employee groups

Affinity Health offers eight combination plans within the Group Cover product line, allowing employers to choose the level of day-to-day and in-hospital benefits that best align with budget and workforce risk. These plan options support working-age adults and can be configured to cover full-time employees as a group solution.

For a full overview of Group Cover plan details and to review the eight combination plans, view the Group Cover page and compare combination plans to match benefits with workforce needs. Get plan summaries and group options.

Quick employer actions

• Request a group quote and membership rules to understand monthly premiums and enrolment criteria.
• Decide whether contributions are employer-paid, employee-paid or shared to manage payroll impact.
• Communicate the benefits and remote consultation options to staff to maximise utilisation and wellbeing.

Managing costs and maximising value for employees

Employers can control premium exposure through plan selection, contribution strategy and the combination of day-to-day and hospital benefits. Practical steps include selecting an appropriate combination plan, setting contribution levels, and promoting preventive use of routine benefits to reduce larger claims.

Steps to choose the right group combined plan

1. Assess workforce profile: average age, common health needs and occupational risk areas.
2. Match benefit emphasis: prioritise day-to-day services for high GP utilisation or higher in-hospital limits for higher risk roles.
3. Request a group quote and compare plan summaries to estimate monthly cost per employee.

Provider network and member access

Affinity Health’s provider listings help members find participating hospitals and healthcare practitioners across South Africa. Employers should share provider search tools with staff to ensure quick access to care and transparent billing. For hospital locations and participating facilities, use the provider finder to confirm network availability.

Find hospitals and clinicians: Search hospital providers • Explore combined plan summaries: Combined plan overview.

Onboarding, claims and administration

• Centralised enrolment simplifies member registration and premium collection.
• Clear member guides reduce unnecessary calls and speed claims processing.
• Encourage use of remote clinician consultations for minor issues to reduce in-person visits.

South African employer use cases

• A small employer seeking straightforward combined protection for staff with predictable monthly contributions.
• A medium-sized business wanting to offer competitive benefits that help with staff retention while managing payroll costs.

Ready to compare group plans and get a group quote? Get a group quote or compare alternative plan options for different employer budgets and workforce profiles.

Choosing next steps

• Request a formal group quote and benefits booklet to review exclusions, waiting periods and member obligations.
• Communicate plan details and how to access providers and remote consultations to employees before launch.
• Monitor utilisation and claims trends to adjust the chosen combination plan at renewal.

Sources

• Affinity Health - Group Cover details
• Affinity Health - Find a provider
• South African Department of Health - Official information
• Statistics South Africa - Health indicators