Combined health cover designed for retirees and pensioners

Affinity Health’s Senior range provides straightforward, budget-friendly plan options that combine day-to-day benefits with hospital cover for people aged 55 and older. A combined plan gives retirees predictable monthly payments while protecting against major in-hospital costs like surgery, ward and theatre fees. Many pensioners seek cheap combined medical insurance for pensioners that still offers reliable access to private healthcare, and our Senior combined plan is built for that balance.

Who benefits from a combined plan in retirement?

• Retirees who want routine GP visits and small acute medicines covered, plus protection for hospitalisation.
• Older adults with fixed incomes who need predictable monthly budgeting for healthcare.
• Families wanting to include a pensioner on one plan with clear limits and hospital protection.

Key inclusions in Affinity Senior combined plans

• Day-to-day care: GP consultations, basic dentistry and optometry network access subject to benefit rules.
• In-hospital events: Theatre and ward fees, approved in-hospital procedures and emergency admissions.
• Support services: Remote consultations with a healthcare practitioner and assistance with emergency medical response when needed.

How Affinity helps keep premiums affordable for pensioners

• Focused benefit design that covers high-cost hospital events while providing selected routine care.
• Clear plan options so you choose the level of day-to-day and hospital benefits that suit a pensioner’s monthly budget.
• Access to a nationwide provider network, helping reduce delays and unnecessary out-of-pocket costs.

Learn about the Senior range and the combined plan on our Senior cover page to compare inclusions and confirm eligibility for ages 55 and older. For a quick overview of combined plan features and how they work, see our combined plan information.

Affinity Health - Senior Cover · Affinity Health - Combined Plan

Choosing the right combined option for a pensioner

Selecting the right combined plan depends on health needs, expected routine visits and how much of the monthly income you can allocate to health cover. Follow a simple comparison process to decide: identify routine care needs, check hospital benefit limits for common procedures, and compare projected out-of-pocket exposure based on chosen excess and benefit limits.

Step-by-step selection guide

• List expected routine needs: GP visits per year, dental check-ups, and any planned optical purchases.
• Review hospital benefit levels: Check in-hospital limits for theatre, ward and approved procedures relevant to older adults.
• Compare plan options: Match plan options with a pensioner’s monthly budget and health priorities, then get a quote.

Provider access and support

Affinity Health’s Senior combined plan gives pensioners access to a broad provider network so you can find a nearby hospital or healthcare practitioner when needed. Use our provider search tools to locate participating hospitals and non-hospital practitioners across South Africa.

Find a Hospital Provider · Find a Provider (non-hospital)

Affordability tools and next steps

• Get a personalised quote online to see exact monthly premiums and compare plan options for retirees.
• Compare benefit lists and waiting periods in plan documents so the chosen combined plan meets immediate and medium-term needs.
• Join now or get a quote to confirm pricing and start date for cover; plan acceptance follows standard underwriting and eligibility checks.

Ready to compare pensioner-friendly combined plan options? Get a quote or join now to secure a combined plan that keeps private primary healthcare within reach. Use our senior combined plan page to review specifics and request pricing for your household.

Affinity Health - Homepage

Sources

• Affinity Health - Senior Cover
• Affinity Health - Combined Plan
• Department of Health - South Africa
• Statistics South Africa - Health statistics