Practical health insurance for seniors that protects your finances and access to care

Affinity Health offers plan options designed specifically for people aged 55 and over who want reliable, lower-cost Health Insurance. A senior-focused plan typically emphasises in-hospital protection while providing essential day-to-day benefits to help manage routine consultations and out-of-hospital needs. Choosing the right plan helps you avoid high unexpected bills and keeps private Healthcare Practitioner access within reach.

What senior plans cover and who they suit

• Hospital protection: In-hospital admissions, theatre and ward fees, and approved in-hospital procedures.
• Day-to-day benefits where available: Routine GP consultations, basic dentistry and acute medicines, depending on the selected plan option.
• Support services: Remote consultations with a Healthcare Practitioner for minor concerns and guidance on Emergency Medical Response when required.

Senior plan types at a glance

• Day-to-day only: Suits seniors who mainly need GP visits and routine care.
• Hospital only: Focuses on significant in-hospital events and surgery costs for acute or catastrophic care.
• Combined plans: Offer both day-to-day care and hospital protection in one budget-friendly plan option.

Learn more about the senior plan options and the specific benefits included on the Affinity Health Senior Cover page: Affinity Health - Senior Cover. If you prefer combined protection that includes everyday benefits plus in-hospital care, review the combined plan options here: Combined Plan.

How to pick a budget-friendly option

• Decide priorities: Do you want stronger in-hospital limits or more day-to-day visits each year?
• Compare excess choices and benefit levels to find a monthly premium that fits your budget.
• Check waiting periods and any age-related conditions that affect immediate benefit access.

For seniors who want to confirm where they can access private care, find local hospitals and Healthcare Practitioners using Affinity Health’s provider directories. Use this provider search to check nearby hospital options and out-of-hospital practitioners: Find a Hospital Provider.

Compare benefits, exclusions and value - practical steps

Choosing an affordable senior plan involves comparing core inclusions and known exclusions, then matching them to your expected healthcare needs. Focus on in-hospital cover limits, how the plan supports outpatient consultations, and any service processes for authorisations and claims.

Step-by-step selection guide

• List likely services: planned procedures, routine GP visits and ongoing medication needs.
• Match to plan benefits: ensure the hospital limits and day-to-day access meet those needs.
• Request a quote and compare options: get personalised pricing and confirm the monthly cost for your household.

South African scenarios for seniors

• Retirees living alone who prioritise hospital protection with limited routine visits often choose a hospital-focused senior plan.
• Seniors with frequent GP needs or chronic prescriptions may prefer a combined plan option for predictable routine care access and hospital cover for larger events.

Compare hospital-focused versus combined options directly on the Affinity Health hospital plan page: Affinity Health - Hospital Plan. If you want to locate out-of-hospital Healthcare Practitioners covered by a plan, use the general provider search: Find a Provider.

Next steps - get a quote and compare plans

To compare options and get an accurate monthly premium for a senior plan, request a quote through Affinity Health’s online channels or speak with an adviser. Common actions include: get a quote for Senior Cover, compare combined and hospital options, and confirm any waiting periods before cover starts.

Ready to compare? Start by viewing Senior Cover options and request a personalised quote on the Senior Cover page: Get senior plan options. To examine combined benefits and how they manage routine costs plus in-hospital events, visit the Combined Plan page: Compare combined plans.

Sources

• Department of Health - South Africa
• Statistics South Africa - Health indicators and demographics
• World Health Organization - South Africa profile