Why Students Need Reliable Medical Cover

For students in South Africa, daily life can be unpredictable - between late-night study sessions, part-time jobs, and sporting activities, accidents and minor illnesses are a real possibility. Many students and young adults often overlook health insurance, assuming good health or tight budgets make cover unnecessary. However, a single medical event, like an unexpected injury or hospital stay, can disrupt studies and create long-term financial strain. This is why finding a day-to-day and hospital plan is essential, offering students both peace of mind and practical, budget-friendly access to healthcare services.

What Does Day-to-Day and Hospital Cover Include?

• Day-to-day: GP consultations, acute medication, basic dentistry, and access to wellness support.
• Hospital: In-hospital stays, theatre and ward fees, emergency medical response, and approved in-hospital procedures.
• Support: Telephonic healthcare consultations for advice and check-ins without having to leave your residence or campus.

Student Priorities in Health Insurance

• Monthly affordability
• Immediate access to trusted GPs and healthcare practitioners
• Protection against major hospital expenses
• Low or manageable out-of-pocket costs for common treatments

How Much Does Student Health Cover Cost?

Student-priced health insurance can be significantly cheaper than standard adult plans. For example, day-to-day cover for young adults starts from approximately R699 per month, while hospital cover is available from R869 per month. Combined cover for students aged 18 to 54 can start from about R1,150 per month (see full price list).

South African Healthcare Access for Students

Students benefit from Affinity Health’s extensive provider network: efficient claims, a seamless digital experience, and convenient access to GPs and hospital facilities throughout the country. Find a private provider near your campus using the online provider search tool.

Comparing Student Health Plan Options

Choosing a plan means balancing regular check-ups, dental visits, and medication access with the safety net for emergencies or serious illness. Below is a comparison of core features that matter most for students.

Choosing the Right Cover as a Student

• Day-to-day cover is best for those managing regular healthcare needs or on medication.
• Hospital cover is vital if you have a high-risk lifestyle or play sports.
• Combined plans offer the best of both worlds - streamlined administration and a single affordable monthly payment.

How Students Can Get the Most Value

• Use your plan benefit for GP visits early - don't wait until illnesses become severe.
• Leverage telephonic consultations for minor issues or mental health support.
• Keep your provider list updated through Affinity Health’s provider locator.

Is Hospitalisation Expensive Without a Plan?

Private hospital care in South Africa can range from tens of thousands of rand per admission. Students are particularly at risk financially, as few have savings to cover these costs. Comprehensive insurance means you’re not left vulnerable, even on a student’s budget.

Where to Find More Information

Explore Affinity Health’s combined cover and seek out wellness tips that can help you stay healthy while studying. The Affinity Health homepage hosts articles and resources for every stage of life.

Sources

• Affinity Health - Current Rates and Premiums
• Affinity Health - Day-to-Day Benefits
• Affinity Health - Hospital Benefits
• Affinity Health - Combined Cover for all ages
• Statistics South Africa - Health Indicators