Budget-friendly complete health cover for Johannesburg households

If you live or work in Johannesburg and need dependable, lower-cost health insurance that combines routine care and in-hospital protection, Affinity Health offers plan options designed for individuals, families with children, young professionals and retirees. Our combined plans provide day-to-day benefits alongside hospital cover so you can manage everyday healthcare needs while protecting against larger in-hospital bills.

What a complete plan includes

• Day-to-day benefits: GP consultations, basic dentistry and optical access under set benefit limits.
• Hospital cover: In-hospital admissions, theatre and ward fees, and approved in-hospital procedures.
• Remote consultations and telephonic clinical support for quick clinical guidance without leaving home.

Affinity Health provides several plan groups so you can choose the option that fits your household composition and budget. Explore plan details on the combined plan page or review day-to-day and hospital benefit scopes on our dedicated pages for further detail.

How Affinity Health keeps complete cover affordable

• Clear plan options that separate day-to-day and hospital benefit design to match your priorities.
• Simple product groups for different age ranges: Junior (0-17), Standard and Innovator (18-54), Senior (55+), plus Group Cover for employers.
• Practical benefit design focused on core needs rather than unnecessary extras, helping to keep monthly premiums manageable.

Plan groups at a glance

Group Cover is available only to employer groups and is not offered to individual retail customers. For corporate enquiries see our Group Cover information.

Provider access and network use

Affinity Health members may use our listed private hospitals and healthcare practitioners. To find providers near you in Johannesburg, use the searchable directories for hospitals and general practitioners to plan appointments and confirm in-network services.

Search hospital locations: Find a hospital provider.

Compare options and choose with confidence

Selecting the right complete plan comes down to household composition, expected routine care and tolerance for out-of-pocket costs. Use the steps below to compare plans and make a decision that balances protection and monthly budget.

Step-by-step selection guide

• List expected routine needs: GP visits, dental check-ups and optical care per year.
• Estimate in-hospital exposure: consider potential surgeries or admissions and how much protection you want for theatre and ward fees.
• Compare combined plans and single-purpose plans to see whether consolidating both benefits in one plan lowers total monthly cost.
• Review waiting periods and in-hospital definitions before you join to understand timing for certain benefits.

Quick comparison - typical selection considerations

To view current pricing and plan premiums, check our current pricing. For a side-by-side benefits review, use the Innovator comparison grid or explore specific document pages for day-to-day and hospital coverage.

Practical Johannesburg scenarios

• Two-income household: a combined plan with solid GP limits and mid-level hospital protection supports active families who want predictable monthly payments.
• Single professional: a Standard combined option or a hospital-only choice with day-to-day added if routine visits become frequent.

Sources

• Affinity Health - Homepage
• Affinity Health - Current pricing and plan options
• National Department of Health, South Africa - Official information
• Statistics South Africa - Health indicators