Comprehensive, budget-friendly health insurance for Durban residents

If you’re searching for cheap complete health insurance in Durban, Affinity Health offers combined plan options that pair day-to-day care with in-hospital protection so you can manage routine medical needs and major events under one budget-friendly plan. We design products for individuals, families with children, young professionals and retirees so private primary healthcare is accessible across South Africa.

What a combined plan covers

• Day-to-day benefits: GP visits, basic dentistry, optometry network access, and acute medicines through set benefit limits.
• Hospital benefits: In-hospital admissions, theatre and ward fees, approved Healthcare Practitioner fees and in-hospital scans and procedures.
• Support services: Remote consultations with Healthcare Practitioners and Emergency Medical Response coordination when needed.

How Affinity Health keeps plans affordable in Durban

• Clear plan options across age ranges - Junior (0-17), Standard and Innovator (18-54), Senior (55+) and Group Cover for working-age groups.
• Combination plans that remove duplicate payments while covering both routine care and hospital events to stabilise monthly costs.
• Choice of excess and benefit levels to align premiums with your household budget while keeping core protections intact.

Compare basic cover types at a glance

Affinity Health offers specific combined options across our Standard Range and Innovator product lines. Learn more about combined options and plan details on our Combined plan page or review day-to-day features on the Day-to-Day page. For in-hospital specifics see the Hospital plan.

Affordable protect-and-save approach for Durban households

Choosing a combined option helps households avoid gaps between routine care and in-hospital events. Young families often prioritise day-to-day benefits for child health visits and immunisations, while older adults lean toward stronger hospital limits. Affinity Health’s plan options make it straightforward to balance these needs without an excessive monthly premium.

Ready to compare options? Get a quote online today and see how different combined plans match your household profile - choose to get a quote or compare plan documents for exact inclusions.

Choosing the right plan for Durban life

Start by listing routine needs (GP visits, dentistry, eyewear) and any anticipated hospital events. Use these steps to narrow choices and keep premiums affordable:

Step-by-step selection guide

• Assess household composition: ages and expected annual visits.
• Prioritise benefits: decide whether day-to-day limits or higher hospital benefits matter more this year.
• Compare plan options: view the Innovator range for multiple combined options or the Standard Range for cost-conscious choices.

Provider network and access in Durban

Affinity Health members can access a broad network of private Healthcare Practitioners and hospitals. Use the provider finder to check in-network Healthcare Practitioners and hospital locations across Durban when planning routine visits or scheduled procedures: Find a Healthcare Practitioner and Find a hospital provider.

Practical Durban scenarios (no personal details)

• Young professional: prioritise day-to-day consultations and remote consultations for quick advice, plus mid-level hospital benefits for surgical events.
• Family with children: choose higher day-to-day limits for frequent GP visits and immunisations with stable hospital cover.
• Retiree: focus on robust hospital limits and straightforward day-to-day access for routine monitoring.

Next steps - compare and join

Compare combined plan options and choose the monthly budget that suits your household. Use the Combined plan page to review benefits and then get a quote or compare Innovator plan options for additional combined choices. When you’re ready, join now to start cover from the first eligible month after approval.

Sources

• Affinity Health - Combined plan details
• Affinity Health - Day-to-Day cover
• Affinity Health - Hospital plan guide
• National Department of Health South Africa - official guidance
• Statistics South Africa - health indicators