Understanding Complete Health Protection for Students

As a student, life can be unpredictable. Academic demands, sports and social activities, and living away from home all bring unique risks and responsibilities. One essential step toward independence is ensuring access to reliable health cover that combines everyday medical needs-like doctor visits and minor treatments-with protection for major health events, such as hospital admissions or surgery. A combination plan merges both these aspects, offering students an integrated solution at an affordable price.

Why are combined health plans ideal for students?

• Streamlined healthcare management: One policy covers both minor and major health events.
• Budget-conscious premiums: Designed to be affordable for young adults, often with manageable monthly costs.
• Access to national medical provider networks for essential care, no matter where you study.
• Minimises financial stress from unexpected hospitalisation or emergencies.

What does a comprehensive solution typically include?

• Day-to-day benefits: General practitioner consultations, acute medication, basic dentistry, and optometry access.
• Hospital protection: Admission to private hospitals, ward and theatre costs, approved procedures, and emergency services when required.
• Support services: Access to remote healthcare practitioner advice for minor concerns or after-hours incidents.

If you need more detail on what day-to-day cover offers, visit the Affinity Health Day-to-Day Cover page for a complete breakdown of benefits relevant to students and young adults.

How much does a combination plan cost for students?

Affinity Health’s Standard combined plan-which is available to young adults-has clear, fixed monthly premiums. As of 2024, a single adult (ages 18-54) can get a combined plan starting at R1,383 per month with a modest excess. For more pricing information, see the latest policy rates.

Choosing and Using a Combined Plan: Step-by-Step for Students

Step 1: Review your needs

• Are you prone to sporting injuries or chronic conditions?
• Do you travel between cities or campuses often?
• How far is your nearest hospital or clinic?

Step 2: Compare key features

Full benefit descriptions, including exclusions and coverage caps, are available via the Combined Plan page.

Step 3: Find a provider near you

If you’re relocating to a new city, use Affinity Health’s online provider tools: Find a Provider and Find a Hospital Provider. These resources help students confirm access to health practitioners and private hospital facilities near their campus.

Practical lifestyle benefits for students

• No need to budget for separate health insurance products.
• Support for managing mild illnesses without missing lectures or exams.
• In-hospital expenses substantially reduced during accidents, sports injuries, or serious illness.
• Remote practitioner consultations support students living far from family doctors.

Summary

Students in South Africa have access to cost-effective, all-in-one medical cover through Affinity Health’s combination plans. These policies bring peace of mind and convenience, allowing young adults to focus on their studies while knowing that both minor and major medical needs are covered affordably under a single monthly premium.

Sources

• Affinity Health - Combined Plan Overview
• Affinity Health - Current Pricing Guide
• Department of Health South Africa
• Statistics South Africa - Healthcare utilisation