Why Health Cover Matters for Students

Tertiary students in South Africa face a unique set of health risks. Busy schedules, communal living, new environments, and often limited resources can make maintaining good health a real challenge. Unexpected illness, minor injuries, and mental wellness concerns are common, but a major accident or hospitalisation can put both academic plans and finances at risk. Comprehensive health cover is essential for students seeking reliable protection and peace of mind during their studies.

Key Challenges Students Face:

• Busy academic and social lives leading to increased stress and fatigue
• Exposure to new environments, increasing risk of common infections and seasonal illnesses
• Frequent use of public transport or participation in sports, raising risk of minor injuries or accidents
• Budget constraints limiting access to routine private healthcare

Health insurance plans structured for students address these risks by providing essential day-to-day cover for doctor visits and medication, plus hospital cover for emergencies or surgeries. This combination enables students to prioritise their health, catch issues early, and avoid disruptive out-of-pocket expenses.

What Is a Student-Focused Comprehensive Health Plan?

A robust student health plan combines two essential components:

• Day-to-day benefits: For routine GP consultations, prescription and acute medicines, basic dentistry, and select pathology tests
• Hospitalisation cover: Protection against the costs of admission, surgery, and emergency medical response

Most South African students fall within the 18-24 age group, making the Standard Range Day-to-Day Plan or the Combined Plan from Affinity Health an ideal fit.

Breakdown of Student-Friendly Benefits

With these combined benefits, students enjoy all-round support - from addressing minor health concerns to managing emergencies efficiently. You can learn more about hospital cover for major events via Affinity Health’s guides.

Affordability and Flexible Cover for Student Budgets

Cost matters for students. Comprehensive plans through providers like Affinity Health offer affordable options compared to traditional medical cover, thanks to simplified benefit structures. For example, students aged 18-24 can access Day-to-Day or Hospital plans for as little as R 689 per month (Day-to-Day), with Combined Plan cover available from R 1,146 for individuals (as of 2024 rates) (see the latest plan rates).

Provider Networks and Support Services

It is important to choose a policy that provides access to a wide network of healthcare practitioners and hospitals near your place of study and residence. Use the convenient provider locator tool to find nearby medical practitioners as needed. Quick telephonic consultations with a healthcare professional also offer guidance for minor ailments or mental health support without costly in-person appointments.

Practical Tips for Students Considering Health Cover

• Assess your needs: Consider your overall health, frequency of GP visits, and sports/academic activity level.
• Compare combined versus stand-alone plans to match your budget and required benefits.
• Check for excess amounts, benefit limits, and waiting periods (especially relevant for planned procedures or chronic needs).
• Use telephonic healthcare professional services for initial triage and minor concerns to maximise day-to-day benefit value.

How to Get Started

1. Visit the Affinity Health homepage
2. Review in-depth information on student-appropriate options via the Combined Plan
3. Obtain plan comparisons and quotes for your specific age group and location
4. Apply online for fast enrollment and confirmation of cover

Sources

• Affinity Health - Combined Plan Details
• Affinity Health - Plan Pricing
• Statistics South Africa - Education Series Volume VII
• National Department of Health
• Affinity Health - Find a Medical Provider