Affordable group health solutions: cheap comprehensive health cover for employees

Employers who need cheap comprehensive health cover for employees want predictable monthly costs, meaningful in-hospital protection and useful day-to-day benefits that support staff wellbeing. Affinity Health’s Group Cover is designed exclusively for organisations and employee groups, offering a choice of eight combination plans (day-to-day care plus hospital cover) that balance core benefits with budget-friendly premiums.

Who this Group Cover serves

• Small and medium enterprises wanting dependable medical support for staff.
• Large employers seeking consistent, centrally administered health cover for working-age adults.
• HR teams prioritising cost control, reduced absenteeism and faster access to private care.

Core plan features and benefit breakdown

• Combined approach: Day-to-day benefits for routine GP consultations and acute care, paired with hospital benefits for admissions, theatre and ward fees.
• Emergency Medical Response: In-hospital emergency admissions and approved emergency procedures are covered under hospital benefits.
• Virtual consultations with a healthcare practitioner for quick advice and first-line assessment when appropriate.
• Central claims administration and straightforward documentation to reduce HR overheads.

Plan comparisons at a glance

Affinity Health’s Group Cover gives employers options to manage costs while maintaining essential protections. To explore plan features and eligibility, review the Group Cover overview on our site Group Cover.

How group plans keep premiums budget-friendly

• Multiple combination plans let HR choose benefit levels that match the company budget and employee needs.
• Central administration reduces per-member operational costs, which supports lower premiums for the group.
• Defined in-hospital benefits and day-to-day allowances create budgeting certainty for employers and employees.

Learn how group plan options compare to our individual combined plans for perspective Combined Plan.

Implementing cheap comprehensive health cover for employees - practical steps

Rolling out group health cover is straightforward when you follow a clear programme: select an appropriate combination plan, communicate benefits to staff, and set up the central administration. Affinity Health supports employers with onboarding guidance and clear plan documentation to help HR teams get started quickly.

Step-by-step rollout guide

1. Assess workforce needs: consider age profile, typical claim drivers and absenteeism patterns.
2. Choose a combination plan from the eight Group Cover options that matches benefit priorities.
3. Communicate benefits clearly: provide employees with a summary of in-hospital benefits, day-to-day allowances and virtual consultation access.
4. Activate cover: submit group member details and set up monthly collections through HR or payroll integration.

Employee access and provider network

Employees can find participating providers through our online directory to locate in-hospital and out-of-hospital practitioners quickly. Use the provider finder to confirm local access and plan suitability Find a Provider.

Typical employer benefits and organisational impact

• Reduced unexpected absenteeism through improved access to routine care and early intervention via virtual consultations.
• Enhanced staff retention and recruitment appeal by offering affordable, reliable health cover.
• Lower administrative burden with central claims handling and employer-focused support.

Ready to compare plans and get a group quote? Visit the Group Cover page to request options and compare features. Employers can also review individual combined plans if they need a point of comparison for benefit design Get group options or Compare combined plans.

Key considerations before you join

• Confirm which combination plan aligns with your workforce profile and budget.
• Review waiting periods and in-hospital benefit definitions in the plan documentation.
• Plan for employee communication to maximise utilisation and reduce initial queries to HR.

Sources

• Affinity Health - Group Cover overview
• Affinity Health - Combined Plan
• National Department of Health South Africa - Public guidance
• Statistics South Africa - Health indicators