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Stay ahead with our latest insights and proven strategies
Stay ahead with our latest insights and proven strategies
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For students, affordable and practical health cover offers peace of mind-whether living away from home, balancing academics and sports, or managing routine health needs. Access to private medical care ensures quick recovery from illnesses, injury, or emergencies, and allows students to prioritise their studies and well-being. In South Africa, a thoughtfully chosen health insurance option means minimising out-of-pocket costs and delays in care.
Students aged 18-24 are typically eligible for the most cost-effective private health insurance under standard or innovator range plans-these cater for both routine day-to-day needs and hospitalisation. For those under 18, dedicated junior cover options also exist. Combined plans provide comprehensive protection for both out-of-hospital care and hospital admissions after accidents or sudden illness.
Did you know? Students have access to plan choices starting from around R649/month for day-to-day cover, with combined plans available for around R1,569/month. These figures are based on current rates for single adults aged 18-34-see current pricing for full details.
| Benefit | Day-to-Day | Hospital | Combined |
|---|---|---|---|
| GP Consultations | Covered | - | Covered |
| Accident/Emergency Cover | - | Covered | Covered |
| Prescription Medicine | Covered | While Admitted | Covered |
| Dental/Optometry | Basic | If Admitted, and Emergency Only | Both |
A combined plan is usually recommended for students who want broad protection at predictable costs. Find more in-depth benefits details on the combined plan page.
Explore more about how provider access works using our online provider finder tool.
Taking charge of personal health while at university or college means making informed choices about cover and how to use it effectively. Below are some strategies and benefits to ensure value from your insurance:
Plan options and pricing apply for individuals aged 18 and over. Parents with younger dependents can explore Affinity Junior cover for learners under 18.
Lifestyle insight: Research shows that South African students with private health insurance experience fewer delays in accessing care and are less likely to face large out-of-pocket payments compared to those on public sector pathways.
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Discover affordable and comprehensive student health insurance in South Africa. Explore Affinity Health’s options tailored for routine care, emergencies, and wellness.
Combined day-to-day and hospitalisation plans start from under R1,600/month for students.
Students gain access to GPs, dentists, hospitals, and telehealth consultations.
Clear pricing, flexible choices, and strong safety net for South African learners.
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.
Choose the option that fits your needs
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.
Understanding that healthcare needs vary, we offer flexible plans that can be customised to suit your specific requirements.
Qualified and motivated service agents powered by a state-of-the-art call centre.
Our dedicated team is available 24/7 to assist with pre-authorisation, telehealth consultations and emergency services.
Get answers to common questions about Combined Health Plan