Affinity Health useless when you need them the most. 
I phoned Affinity health insurance for the first time after months of paying premiums for hospital plan for pre authorisation for my husband to go to the casualty in hospital as he was experiencing severe pains in his left arm, only to be denied by a consultant on the phone after answering numerous questions and being placed on hold while she in her capacity as a consultant made the decision with no medical background that the pains my husband was experiencing were not serious enough to be given pre authorisation at a casualty unit in hospital. My question is how on earth could she have made that conclusion? He could have suffered a heart attack and died. Needless to say he was treated by another doctor we managed to find that late evening and he is doing better now. I cancelled Affinity health insurance immediately and decided to go back to Discovery. I used to be on discovery and they have been in business for much much longer, it is a proper medical aid, i was in need of hospital casualty before and they assisted me, no questions asked. I will never ever recommend Affinity health to anyone. The worst mistake I ever made to leave Discovery for this useless Affinity health. 