Hospital stays can be stressful, but having the right cover in place makes all the difference. Affinity Health’s Hospital Plan gives you access to quality care, financial protection, and essential support when you need it most – all without the high costs of traditional medical aid.

Medical aid generally covers most healthcare costs in full but comes with higher monthly premiums. Health insurance, like Affinity Health’s plans, pays set amounts for specific events, making it far more affordable and predictable, while still giving you access to quality healthcare.

Accident Hospitalisation

Accidents can happen anytime, and treatment costs can quickly add up. Affinity Health covers in-patient hospital treatment for accident-related injuries.

This includes:

• Emergency casualty treatment. 
• Post-discharge rehabilitation and orthopaedic appliances. 
• Accident-related dental treatment. 

Immediate Hospital Accident Cover

With Affinity Health, you don’t have to wait for your policy to officially start. From your application date, you’ll be covered for accident-related hospitalisation only.

Daily Illness Hospitalisation

If you are admitted to hospital due to illness, Affinity Health provides a fixed daily payout for each day of a hospital admission due to illness.. This benefit is available for up to two illness-related hospital stays per year, helping you cover expenses while you concentrate on getting better.

Sub-Acute Hospitalisation

When a medical condition requires further recovery after a hospital stay, Affinity Health covers treatment at a registered sub-acute facility, such as a step-down clinic, to support your recovery.

Serious Illness Hospitalisation

For serious conditions like cancer, heart attacks, or strokes, cover is provided for the lifetime of your policy. This benefit works alongside the daily illness cover to help pay for treatment, surgery, and extended hospital stays.

Maternity Cover

Starting or growing your family is a special time, but it can also bring extra costs. Cover is available for childbirth, whether you choose to deliver in a private hospital or with a registered midwife.

Day Clinic Procedures

For approved illness-related procedures that don’t require an overnight stay, cover is provided at a day clinic. Examples include cataract removal, hernia repair, and tonsillectomies. Specific dental procedures are also included.

Diagnostic Procedures

From MRIs and CT scans to colonoscopies and gastroscopies, these critical tests are covered. Co-payments may apply per procedure.

Post-Hospital Private Home Nursing

After hospital discharge, you may need extra help. Cover is provided for a private nurse to assist with your recovery at home.

Hospital Home Care

Where medically suitable, you can recover at home with hospital-level care and 24-hour virtual monitoring, available in select areas.

Major Trauma Hospitalisation

For life-threatening injuries such as severe burns, multiple serious injuries, or loss of a limb, cover is provided to ensure you receive the urgent hospital care you need.

ICU Benefit (Optional)

Boosts your ICU or high-care cover for up to 5 days, replacing the standard daily illness hospitalisation cover for those days.

Hospital Accident Benefit (Optional)

Increases your accident hospital cover, giving you extra protection for you and your family after a serious accident.

24/7 Emergency Benefits

You’ll also have access to:

• Trauma Support Services – Telephonic counselling after traumatic events.
• Emergency Casualty Room Treatment – Cover for medical emergencies.
• Emergency Medical Response – Ambulance services, inter-hospital transfers, and hospital pre-authorisation.

Road Accident & Workmen’s Compensation Assistance

Suppose you are injured in a road accident or at work. In that case, Affinity Health will help you claim from the Road Accident Fund or Compensation Fund – providing legal and administrative support at no extra cost.

Final Thoughts

The Affinity Health Hospital Plan offers affordable, predictable cover for when life takes an unexpected turn. From accident and illness hospitalisation to major trauma, maternity benefits, and home nursing, it’s designed to protect you and your family – without breaking the bank. Click here to explore the full benefits or get a personalised quote today.