Health Medical Insurance

As an Affinity Health Medical Insurance client, or on the Hospital Plan, you will have access to a preselected list of private hospitals in your area.

The great thing about an Affinity Health Hospital Plan is that you get a much wider choice of hospitals and doctors than if you were a public patient.

With an extensive list of the best hospitals in the country, you can make an informed decision about which facility will be responsible for your care, while being fully covered financially in any event.

It may seem like a difficult task to find an Affinity-approved hospital near you, but it doesn’t have to be!

Affinity had made finding a hospital in your area simple and fast.

All you need to do is to find a preferred hospital closest to you, please contact our Customer Care line on 0861 11 00 33 and select option 4. We are continually adding new hospitals to our preferred list.

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Deciding on the right medical aid, medical insurance or a hospital plan is no small task. There are many aspects to consider when you decide which type of cover is best for your family. As daunting as the task may seem, it is very necessary.

A large factor to consider is affordability. Medical aid is generally more expensive than medical insurance. Even more affordable is to have only a hospital plan, but is it good enough?

What is hospital cover?

Hospital cover is a medical scheme that only covers you for hospital-related incidents. Hospital visits and stays can really break the bank, leaving you in a tight spot when you have to choose between getting the assistance you need and covering other expenses.

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Is Health Insurance More Affordable Than Medical Aid?


Health insurance and medical aid seem quite similar, but there are distinct differences which set them apart. These differences are also responsible for the disparity of the price points at which they are being offered to customers.

Even the cheapest medical aid is usually a bit pricier than a medical aid insurance premium.


Medical aid, which is regulated by the Medical Schemes Act, is essentially Cover based on tariff codes and procedures. It often has a shortfall due to the difference between the National Recommended Price List and the South African Medical Association rates which is what healthcare professionals charge. Affinity Health wrote in January that Medical Aid must, by law, cover Prescribed Minimum Benefits.

Medical Aid has specified yearly limits for procedures and health events do not need to be specifically stated; it also does not include any personal accident disability and loss of limbs cover.

Medical Aid is also not authorized to include death and/or funeral cover as part of the Medical Aid Scheme. It pays in-hospital benefits according to the National Recommended Price List limiting benefits as per the plan.

This is why medical aid premiums usually start at around R750 per person per month.

What Is The Cost Of Medical Aid?

What Are Your Health Care Options Now That You’re Pregnant?

What Are Your Health Care Options Now That You_re Pregnant

Pregnancy is a beautiful time. The excitement that comes with knowing you are on your way to having a baby is second to none, but the financial burden it carries could put a strain on the ‘mother to be’.

Medical aid and medical insurance all have maternity benefits that vary with each plan, to assist the expectant mother with costs, both in hospital and specialist check-ups.

But what if I am not covered yet, but I am already pregnant?

No matter how far along you are in your pregnancy, unfortunately, it counts as a pre-existing condition if you are not yet covered by a medical insurance. The medical insurance is not obligated to cover anything related to your pregnancy, but that doesn’t mean it isn’t beneficial to still acquire the cover, even if you are already expecting.

What Are Your Health Care Options Now That You’re Pregnant?

Get an Affordable Medical Insurance Plan in South Africa

If you registered in a health insurance plan for 2018, then there are many ways you’ll be able to use your policy to save money, time and maybe even a trip to the physician’s clinic. Below we will explain how you can use your health insurance in 2018, plus the very first actions to start with your strategy.

Regular checkups, preventative care, and emergencies

Certainly one of the best things about getting Medical Insurance Plan is that you never should wait before your medical dilemmas worsen before you see a physician or safe treatment. Primary health insurance allows you get the care you need if you want it. Furthermore, under the Affordable Care Act, certain preventative health providers are insured by your wellbeing insurance program. The 10 important health and fitness benefits are covered by most major health insurance policy coverage you need to include emergency services, a couple of prescribed drugs, lab services, pediatric services, in addition to more. The benefit in the freebies your healthcare insurance may offer.

Activating your Medical Insurance and Choosing your Doctor

To activate your health insurance, then you have got to cover your first premium. Premiums are monthly obligations built for your insurer to keep up your health insurance. To discover just how much you’re required to pay monthly and how to pay for your bill, it’s best to speak to your insurance provider directly.

After your medical aid plan was triggered, you might choose your primary care physician. To find a doctor in your network, it’s possible to contact your insurance carrier or your physician’s office to ask if they accept your insurance program. Selecting a doctor lien can save cash on flat-rate prices for physician visits and procedures.

Still, have questions about your coverage? Go to our site to find out more or call to talk to an agent directly at (086)-111-0033.

Preparing Your Immune System for Winter

Judging by the recent cold front that has dominated the weather reports for Cape Town and Johannesburg, (and quite honestly most of South Africa), it is pretty safe to say that winter is coming.

After a very hot summer and water restrictions, the rain is most welcome… but winter is known for bringing something much more ominous too… colds and flus! This is why investing in some of the most affordable medical insurance plans in South Africa is so important these days. You can choose from trustworthy providers such as One Plan Medical Insurance, Affinity Health Insurance, and many other reliable sources.

Now, the argument these days is that “germs make you sick, not cold weather”. This is true, but then why do we get sick more often in the winter months?

The Chicago Tribune reports that as winter drags on, so does the season for colds, stomach viruses, strep and the flu.

“It’s not clear why winter brings so many health woes”, says Pritish Tosh, an infectious-disease physician, and researcher at the Mayo Clinic in Rochester, Minnesota.

“The reason one virus is a wintertime virus may not be the same reason another virus is a wintertime virus,” Tosh says. “We’re finding more and more that it’s not one size fits all.”

Tosh continues that people have observed seasonal illness spikes for centuries, dating back at least to the ancient Greeks. Since then, studies have documented some distinct patterns.

For example, winter is prime season for influenza, according to the Centers for Disease Control and Prevention.

But why?

Well, according to, In terms of infectious illnesses, germs make you sick, not cold weather itself. You have to come in contact with rhinoviruses to catch a cold. And you need to be infected with influenza viruses to contract the flu.

Rhinoviruses peak in spring and fall, and influenza viruses peak in winter.

While the cold can’t be the only reason, there is a connection between being chilled and getting sick: cold air may contribute to conditions that lead to illness.

So what can you do now, to prevent being sensitive to the influx of these viruses?

Well, start with loading your body with Vitamin C.

Vitamin C has long been known to be the number one flu fighter. Citrus fruits such as lemons, oranges and guavas are great natural sources of the vitamins.

Fruit in general is a good immune system builder.

Perhaps, while the weather is still a bit sunny, enjoy a fruit salad, or a lovely homemade smoothie, packed with all of your favourite natural flavours.

The best thing to do, before the flu season hits is to get vaccinated.

Most chemists offer the vaccine in the months leading up to winter, however the most convenient way to get the shot is to visit your doctor’s office. This way, you could also get a full check-up, to see if getting the shot is the best choice for you. Investing in affordable health insurance is very beneficial.

Get enough rest!

Sleep is the body’s way of rejuvenating the cells. People who do not get enough rest are way more likely to get run down, which leave the door open for nasty colds and flus to attack your immune system.

Protein is key

Douglas Kalman, PhD, RD, director of nutrition and applied clinical trials at Miami Research Associates says “Research shows that diets that are too low in protein can deplete the immune system. So I make sure to get protein-rich foods throughout the day, especially fish, eggs and yogurt.”

Philip Tierno, PhD, author of The Secret Life of Germs says that you should sanitize your officie space!

“I clean everything that gets touched by lots of people—microwaves, fax-machine keys, doorknobs, elevator buttons, the armrests on my chair—with a good disinfectant at least once a week, even if it looks clean. It’s just basic hygiene. Rhinoviruses can live on surfaces for up to 48 hours!”

Cleanliness is also a very important role player in whether or not you get sick.

Washing your hands before you eat and after you leave public places can help you ingest fewer germs.

The World Health Organisation says; Influenza can spread quickly between people when an infected person coughs or sneezes, dispersing droplets of the virus into the air. It can be also spread by hands contaminated by the virus.

Precautionary measures should be taken to limit transmission.

Cover your mouth and nose with a tissue when coughing, then throw it out and wash their hands thoroughly and regularly. It is also courteous, for when you have the flu to not spread it to someone else!


What is the difference between medical aid and medical insurance? – Learn with Affinity Health

What is the difference between medical aid and medical insurance

These days, medical aid seems to be a luxury that is only affordable to the rich. Since medical insurance entered the scene, the number one question asked by the public is, what is the difference between medical aid and medical insurance?

Well, this article is here to explain that as simply as possible.

When searching for an affordable medical aid, one plan might seem better than the other in some aspects, and then lack in the other. For example, one plan might cover doctors’ visits and every day procedures, but doesn’t cover hospital bills. Other plans may fully cover in hospital procedures, but then you have to pay out of pocket for essential meds and doctor visits. Continue reading “What is the difference between medical aid and medical insurance? – Learn with Affinity Health”