Why Employers Choose Combined Health Plans for Their Teams

Employees in South Africa value peace of mind and comprehensive healthcare access. For businesses, ensuring staff have cover for both everyday needs - like GP visits and medicines - and significant hospital events brings workplace stability and improved performance. Group-based combined plans from Affinity Health blend affordability with significant protection, so teams stay healthier and more productive without stretching company budgets.

Understanding Combined Cover for Employees

A combined plan means staff are protected for day-to-day services as well as hospital admissions. This is especially relevant for South African workforces facing diverse health needs, and for employers who want to offer reliable cover without managing multiple insurance lines. Key inclusions:

• Day-to-day: Routine practitioner visits, minor procedures, acute medication, defined pathology, optometry, and basic dental services.
• Hospital: Admission for illness or accident, approved ward and theatre fees, and certain in-hospital diagnostics.

Key Considerations When Selecting a Group Combined Plan

• Population demographics: The age range and family composition of staff may shift coverage needs.
• Budget requirements: Affinity Health’s group options keep costs predictable for both employers and employees.
• Provider access: Large, national healthcare networks ensure timely treatment and accessibility.

Comparison of Combined Plan Benefits

Employers can explore the complete range of group health cover options available for organisational needs.

Affordable Pricing and Premium Estimates

Premiums for group combined plans are designed to offer essential benefits at rates lower than many individual policies. As of 2024, plans start at R583 per adult per month (Day-to-Day) and R870 per month (Combined Plan, excess R7,500) depending on options and group size. Discounts may apply for large employer groups. Explore full premium charts via the policy rates overview for group cover specifics.

Benefits for Employers and Staff Alike

• Enhanced employee wellbeing : Reduce absenteeism and increase retention by addressing both day-to-day illnesses and major health events.
• Simplified administration : Affinity Health assists companies with group onboarding, claims support, and renewals for seamless ongoing management.
• Wider access: Employees can use the national network of healthcare providers and hospitals.

Coverage Features that Support Diverse Workforce Needs

• Young professionals benefit from convenient day-to-day services and prompt GP consultations.
• Families appreciate network optometry and basic dental benefits for child health maintenance.
• All staff have emergency medical response and hospital access when needed most.

How to Implement Group Combined Cover Effectively

1. Evaluate employee demographics for plan selection
2. Compare benefit inclusions and premium structures on the Affinity Health Group Cover page
3. Facilitate group application and onboarding with dedicated Affinity Health support

The Value of Nationwide Healthcare Networks

Nationwide provider and hospital access ensures employees are never far from professional care, easing workplace anxieties about healthcare barriers. Businesses can guide staff to use the up-to-date hospital locator tool for easy network navigation.

Summary: Empowering Businesses with Reliable Health Cover

For organisations across South Africa, a combined group plan from Affinity Health is a practical solution for promoting staff wellness, supporting productivity, and containing healthcare costs. Designed to be accessible, affordable, and reliable, these plans strengthen workforce resilience and demonstrate genuine care for employee wellbeing.

Sources

• Affinity Health - Group Cover Overview
• Affinity Health - Current Pricing and Premiums
• Affinity Health - Provider and Hospital Network
• Council for Medical Schemes - South African Group Health Context
• Statistics South Africa - Health and Employment Stats