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Discover combined health insurance plans for students in South Africa. Learn about premiums, benefits, and provider access with Affinity Health.
As a student, balancing your studies, lifestyle, and health can be challenging. Access to affordable medical cover is essential - not only for routine healthcare like GP consultations and acute medicine, but also for hospitalisation following accidents or sudden illness. South African students, whether studying at university, college, or technical institutions, need a plan that offers both day-to-day and hospital benefits, all within a reasonable budget.
Combined medical cover removes the stress of dealing with multiple providers and ensures you receive the right support at every stage of your student journey.
Student life brings unique healthcare challenges. From seasonal illnesses and minor injuries to chronic conditions or stress-related concerns, comprehensive health insurance must address:
Combined health cover through Affinity Health offers an integrated solution: day-to-day benefits for out-of-hospital needs, as well as hospital protection should the unexpected happen. Plans are structured with affordability, practicality, and simplicity in mind.
| Feature | Day-to-Day Benefits | Hospital Benefits |
|---|---|---|
| GP Visits | Consultations and basic procedures | Not covered (except for in-hospital treatment) |
| Chronic/Acute Medication | Included for common listed medications | Hospital-administered medication only |
| Emergency Medical Response | Telephonic support & pre-authorisation | Full ambulance & admission cover |
| Mental Health Consultations | Remote mental health sessions | If admitted for qualifying conditions |
Most students aged 18 or over qualify for Standard Range or Innovator health plans, subject to age and student status. These options deliver essential benefits at entry-level rates. Younger students below 18 can be covered by an Affinity Junior plan, often suited to high school learners or dependants.
Students are typically conscious of cost. The monthly premium for a combined health plan can start from as little as current published premiums for adults under the Standard Range or current published premiums for Innovator plans. The amount depends on plan selection, age, and whether excess options are chosen.
For more on rates and inclusions, visit the current policy pricing page for up-to-date student premium details.
Affinity Health’s provider network means students can find GP and hospital services near any university city, from Pretoria, Johannesburg to Durban, Cape Town, and beyond. Use these tools for added convenience:
Disclaimer: This article is intended for informational purposes only and should not be considered medical advice. Always consult a qualified healthcare professional before making any decisions about your health or treatment.
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Get answers to common questions about Combined Health Plan
Choose the option that fits your needs
We believe that quality healthcare should be accessible to everyone. Our plans are designed to be cost-effective, providing value without compromising on essential benefits.
Affinity Health members have access to the largest healthcare provider network in the country, including GP’s, Dentists and Hospitals.
From routine check-ups to emergency medical services, our plans encompass a wide spectrum of healthcare services, including chronic medication cover and emergency medical services.
Understanding that healthcare needs vary, we offer flexible plans that can be customised to suit your specific requirements.
Qualified and motivated service agents powered by a state-of-the-art call centre.
Our dedicated team is available 24/7 to assist with pre-authorisation, telehealth consultations and emergency services.