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Securing reliable health insurance is crucial for individuals, families, and retirees who want access to private medical care in South Africa. The ideal medical cover provides protection for both planned and unexpected events-making it possible to manage daily health needs while being shielded from the impact of hospital expenses due to accidents or serious illness.
South Africans increasingly demand both affordability and broad coverage. The country’s rising private care costs mean plans must balance value and robust support for families and professionals alike.
Complete medical cover in South Africa typically includes three tiers of support:
| Benefit Type | What’s Included |
|---|---|
| Day-to-Day Cover | GP visits, acute & chronic medicines, basic dentistry, optical support, blood tests |
| Hospital Cover | In-hospital treatments for illness or accidents, surgery, theatre, and ward fees |
| Combined Plans | Full support for routine healthcare and in-hospital events under one plan |
South Africans can explore various combinations, from day-to-day-focused plans for managing check-ups to hospital-only solutions for life’s unexpected events. Combined options offer the most seamless overall protection.
Cost-effective health insurance starts from R619 per month for day-to-day cover and R869 per month for hospital cover, based on recent Affinity Health rate guides. Family plans and options for children or retirees are widely available at competitive rates.
To learn more about rates and affordable options, visit the Affinity Health Policy Rates page. You may also want to see what is available in Johannesburg, Sandton, or KwaZulu-Natal.
A combined plan reduces the risk of uncovered events by consolidating routine and hospital benefits. This approach is especially valuable for:
| Plan Type | Day-to-Day Benefits | Hospital Benefits | Eligible Age Groups | Starting Premium |
|---|---|---|---|---|
| Junior Combined | Yes | Yes | 0-17 years | R855 |
| Senior Combined | Yes | Yes | 55+ | R2,084 |
| Standard Combined | Yes | Yes | 18-54 years | R1,291 |
| Innovator Combination | Yes | Yes | 18-54 years | R1,176 |
Access to trusted healthcare is further supported by the vast Affinity Health private provider network.
Contact us today and we will get back to you shortly
Explore what makes health insurance complete in South Africa. See plan comparisons, cover options, premium insights, and lifestyle strategies for optimal family protection.
Get to know how day-to-day and hospital benefits work together for maximum peace of mind.
See how Junior, Senior, Standard, and Innovator options fit different life stages and budgets.
Learn lifestyle tips for making the most of your South African health insurance.

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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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.
Get answers to common questions about Combined Health Plan
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.
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