Essential Health Cover for Every South African

Access to thorough health cover should be within reach for all. Affinity Health brings together affordability and reliability, offering a mix of hospital and out-of-hospital benefits under one comprehensive plan structure. Whether you are a young professional, have a growing family, or are a retiree, understanding the components of low-cost, comprehensive health insurance can guide you to better protection and less financial worry in times of need.

What Makes Health Cover Comprehensive?

• Protection from large, unexpected medical expenses such as surgeries, accidents, and hospital stays
• Support for day-to-day healthcare needs, like GP visits, dental check-ups, basic optometry, and acute medication
• Additional perks such as telephonic healthcare consultations with registered professionals and emergency medical response coordination
• Wide access to private healthcare providers, helping avoid long waits at public facilities

How Affinity Health Delivers Affordability

• Plan ranges tailored by age and family structure - from the Junior plan (ages 0-17) to Senior options (55+)
• Streamlined benefit structures reduce overhead and waste, keeping monthly premiums low while preserving essential coverage
• Monthly premiums are clearly listed for each plan-see complete details on the Pricing Page

What Do You Get With a Combined Plan?

Access the full plan breakdown on the Combined Plan page for details on visit limits, exclusions, and premium calculations.

Who Benefits Most from Combined, Low-Cost Insurance?

• Young families needing affordable child cover plus protection for parents
• Adults working in high-risk professions seeking cover for hospital events
• Individuals wanting budget-friendly, predictable monthly costs
• Retirees prioritising control over hospitalisation risks and medical expenses

Comparing Options: Finding the Right Plan for Your Life Stage

Affinity Health simplifies plan selection based on age and needs:

• For children (0-17), Junior Cover offers combined plans starting at R909 per month for full day-to-day and hospital protection
• Adults (18-54) can opt for the Standard Range for combined medical cover
• Older adults (55+) benefit from the Senior Combined plan, blending chronic support and hospital care from R1,630 per month

What to Consider When Choosing

• Family size: Larger families can often save by covering dependents on the same plan
• Expected annual GP/dentist/optometrist visits
• Chronic health needs and history of hospitalisation
• Ability to manage co-payments during hospital admissions

Provider Access and Nationwide Support

Affinity Health’s provider network includes extensive access to private healthcare professionals and hospital facilities across South Africa. Use the Find a Provider tool to confirm convenient access across all major cities and towns.

Practical Advantages and Real-World Scenarios

• Young professionals from Johannesburg or Pretoria joining an affordable combined plan for GP visits, trauma events, and dental cover in one premium
• Families using combined plans to support regular childhood vaccinations, dental needs, and emergency hospital access after an accident
• Senior individuals prioritising medication management and swift hospital treatment without waiting for public services

Summary Table: Typical Combined Plan Prices (2024)

All premium amounts are current as of 2024 and apply regardless of where you reside in South Africa.

Sources

• Affinity Health: Current Plans & Pricing
• Comprehensive Combined Plan
• Statistics South Africa: Health & Demographic Stats
• World Health Organization: Universal Health Coverage Facts