Practical full medical cover designed for everyday South African lives

Full medical cover should give you confidence: routine consultations, basic outpatient care and strong in-hospital protection when the unexpected happens. Affinity Health focuses on straightforward, budget-friendly plan options for individuals, families with children, young professionals and retirees. Our combined approach brings day-to-day benefits together with hospital protection in one easy plan so you can manage both routine costs and major events within a predictable monthly budget.

What a balanced full medical cover typically includes

• Day-to-day benefits: GP consultations, basic dentistry and optical benefits accessed through network providers.
• In-hospital protection: admissions, theatre and ward fees, approved clinician fees and in-hospital diagnostics.
• Support services: virtual consultations for minor concerns and coordinated Emergency Medical Response when required.

Affinity Health’s combined-plan options make it simple to choose the right balance between routine care and in-hospital limits. Learn more about our combined plan options and how they match different needs on the Combined Plan overview.

How affordability is achieved without sacrificing core protection

• Budget-friendly plan options let you prioritise essential benefits while managing monthly premiums.
• Clear in-hospital definitions and straightforward excess choices reduce billing surprises at claim time.
• Use of approved provider networks helps keep everyday costs predictable and access efficient.

Who benefits most from combined full medical cover?

• Young professionals who need routine GP access and protection from unexpected hospital costs.
• Families with children who require frequent day-to-day visits and immunisation-related care.
• Retirees seeking predictable hospital protection while managing monthly budgets.

If you want an accessible entry point to private care with strong hospital support, explore plan options tailored to specific age groups such as Junior (0-17) and Senior (55+).

Choosing the right level of full medical cover

Selecting the right combined plan depends on family size, ages and routine healthcare needs. Start by listing expected GP visits, dental check-ups and any planned procedures. Next, consider acceptable monthly premiums and how much risk you are comfortable retaining in the event of an admission. Affinity Health’s plan options let you decide that mix and compare level-by-level benefit summaries.

Step-by-step selection guide

1. Estimate routine care frequency: count annual GP and dental visits for your household.
2. Decide in-hospital protection needs: consider likely procedures and the level of cover you want for admissions.
3. Compare plan options and provider access to match your budget and care expectations.

Provider network and access

Affinity Health offers nationwide access through an established provider network so you can find private hospitals and approved healthcare practitioners without excessive travel. Check available hospital providers in your area on the Find a Hospital Provider page and locate GPs or day-to-day clinicians via the Find a Provider tool.

Comparing plan strengths - quick table

Ready to compare exact benefits for your household? Get a quote online to see plan summaries and monthly pricing that match your family composition. Use the Combined Plan page to compare specific benefit lists and exclusions before you join.

Affinity Health aims to make private medical cover within reach for more South Africans by offering clear plan options and easy access to providers. Whether you prioritise everyday care, stronger in-hospital protection, or a balanced combined approach, there is a plan option designed to keep healthcare affordable and reliable.

Sources

• Affinity Health - Combined Plan details
• Affinity Health - Day-to-Day Cover information
• National Department of Health South Africa - Health services