Group health cover that balances everyday care with in-hospital protection

Employers seeking a cost-effective way to protect staff can combine routine healthcare benefits with robust in-hospital protection. Affinity Health's Group Cover is designed specifically for groups and working-age adults, offering plan options that blend day-to-day benefits with hospital benefits to manage both predictable and high-cost events.

Why Group Cover works for employers and employees

• Predictable monthly costs for payroll budgeting and improved employee retention.
• Combined plan options that include routine consultations, basic dental and optical access alongside in-hospital treatment for admissions and procedures.
• Simplified administration for HR with centralised claims handling and member onboarding.

Group Cover is available exclusively to organisations and is aimed at working-age adults; it provides a clear alternative for employers who want reliable Health Insurance without the complexity of larger schemes. Employers can choose from multiple combination plans to match workforce needs and budgets.

Core benefits included in typical combination plans

• Day-to-day benefits: consultations with GPs and other approved healthcare practitioners, selected basic dentistry and optical benefits, and acute medicines.
• Hospital benefits: in-hospital admissions, theatre and ward fees, approved practitioner fees and hospital-based procedures.
• Support services: remote consultations for triage and guidance and access to a network of private providers.

Affinity Health's Group Cover simplifies selection by offering a set of combination plans tailored for groups. Employers can review benefit summaries and pick the plan options that make sense for their workforce. Learn more about Group Cover and how it applies to workplace populations on the Group Cover page. For employers wanting an option that balances day-to-day care and hospital protection in one plan, see the Combined Plan overview for details on how benefits align.

Key operational advantages for HR teams

• Streamlined membership administration and consolidated billing.
• Reduced absenteeism through easier access to routine care and remote consultations.
• Clear outlines of covered events and claims processes, improving transparency for employees.

Implementing a group combined plan: a practical employer guide

Choosing the right plan options for employees starts with a simple needs review: workforce demographics, typical routine-care usage, and risk exposure for workplace incidents. Follow a short, structured process to select a plan that balances protection and cost.

Step-by-step selection and rollout

1. Survey employee needs: capture ages, dependants and common healthcare usage patterns.
2. Match benefit priorities: prioritise strong day-to-day access for frequent consultations or higher in-hospital limits where occupational risks exist.
3. Compare combination plans: evaluate projected monthly contributions and expected claims exposure across plan options.
4. Communicate clearly: explain benefits, claims steps and how to access remote consultations and Emergency Medical Response services.

Feature comparison at a glance

When evaluating providers, verify network availability for your business location and consider how remote consultations and Emergency Medical Response will be accessed by employees. Use the provider search to confirm local access: Find a Provider. General plan information and company overview are available on our homepage.

Next steps for employers

• Request a group quote to compare monthly contribution scenarios and membership terms.
• Compare the combination plans offered and confirm provider network coverage for employees.
• Plan an onboarding session that explains claims steps and how to access remote consultations and Emergency Medical Response services.

Ready to compare plans? Get a quote and compare plan options to find the best balance between routine care and in-hospital protection for your workforce. Employers can also join now to begin member onboarding and enjoy simplified billing and administration.

Sources

• Affinity Health - Group Cover
• Affinity Health - Combined Plan
• National Department of Health South Africa - Official information
• Statistics South Africa - Health indicators