Affordable combined health insurance built for student life

Students need reliable Health Insurance that covers everyday care and protects against larger hospital bills - without straining a student budget. A combined plan bundles day-to-day benefits (GP consultations, basic dentistry, optical access and acute medicine) with in-hospital protection (admissions, theatre and ward fees and approved in-hospital procedures). Affinity Health offers plan options that help students manage routine healthcare while guarding against unexpected hospital costs.

Key benefits students value

• Routine access: GP consultations and basic dental care help keep illnesses and minor injuries from disrupting studies.
• Hospital protection: In-hospital admissions and theatre fees covered up to plan limits reduce the risk of large, unplanned bills.
• Remote consultations: Virtual consultations with a healthcare practitioner provide quick guidance outside clinic hours.

Who should consider a combined plan?

• Full-time students living away from family and needing routine GP access near campus.
• Part-time students working and studying, who need predictable monthly costs and in-hospital protection for emergencies.
• Student clubs or societies seeking group-based solutions for members (see Group Cover for organisations).

If you are aged 18-54, the Standard Range combined plans are a common fit for students. To compare the structure of combined plans and what they include, review our Combined Plan overview on the website: combined plan details. For a clear view of which routine services are included in day-to-day benefits, consult the Day-to-Day plan page: day-to-day benefits.

How coverage typically fits a student budget

• Lower monthly premiums by selecting plan options that prioritise core day-to-day benefits for frequent GP visits and essential dental care.
• Choose manageable co-payment levels so major events remain covered while keeping the monthly contribution affordable.
• Students should compare plan inclusions rather than only looking at headline price; one plan may include more routine visits while another focuses on higher hospital limits.

Choosing the right plan and next steps

Select a combined plan based on how often you visit a GP, whether you need basic dental or optical benefits, and how much in-hospital protection you prefer. For many students, the Standard Range combined plan delivers the right balance of day-to-day care plus hospital protection. Compare plan options and the Innovator range if you want different combinations of benefits: Innovator Range overview.

Step-by-step guide to getting covered

1. Assess routine needs: estimate GP visits, dental check-ups and any planned procedures for the year.
2. Compare benefit limits: review how many consultations and the annual limits for day-to-day services and hospital cover.
3. Check waiting periods: confirm any waiting periods for specific benefits so you know when cover begins for certain services.
4. Get a quote: request a personalised premium estimate and compare monthly costs across combined plan options.

Student-focused practical considerations

• Location of care: verify local providers near campus using our provider locator to keep travel and time costs low: find a provider.
• Emergency Medical Response: ensure the plan includes guidance and support for urgent in-hospital admissions.
• Family add-on decisions: if you remain on a parent or guardian’s policy, compare whether switching to an individual student combined plan is more economical.

Compare, decide, and enrol

To compare plan specifics and get a tailored quote, use the combined plan comparison tools and request pricing. Affordable combined Health Insurance for students should match your routine needs while protecting you from large hospital costs. Start by reviewing plan inclusions and requesting a quote through our website: get a quote and compare plans. Typical student scenarios in South Africa emphasise strong day-to-day access for frequent GP care and mid-level hospital protection for unexpected surgical events.

Sources

• Affinity Health - Combined Plan overview
• Affinity Health - Day-to-Day benefits
• National Department of Health South Africa - health programmes
• Statistics South Africa - healthcare indicators