Affordable combination health plan: practical protection for everyday life

An affordable combination health plan brings day-to-day benefits together with hospital protection in one budget-friendly policy. For young professionals, growing families and retirees across South Africa, this approach reduces the risk that routine healthcare costs will be neglected while ensuring cover for in-hospital events such as surgery or admissions following accidents or illness.

What a combination health plan includes

• Day-to-day benefits: GP consultations, basic dentistry and optical benefits depending on the plan option.
• Hospital cover: In-hospital admissions, theatre and ward fees, selected in-hospital procedures and approved healthcare practitioner fees.
• Support services: Remote consultations for minor concerns and Emergency Medical Response access when required.

Why this plan suits South African households

• Predictable monthly budgeting: One premium for both routine care and major hospital events.
• Access across age groups: Options that work for children, working-age adults and older adults.
• Practical for families: Routine child healthcare and in-hospital protection for unexpected incidents.

How Affinity Health frames affordability and access

Affinity Health focuses on affordable Health Insurance options with clear benefit structures and plan options for different life stages. Compare day-to-day details and hospital inclusions before selecting a plan level. Learn more about our combined approach on the Combined Plan page and review day-to-day features on the Day-to-Day Cover page.

Feature comparison at a glance

For a deeper comparison of hospital inclusions, see our hospital plan overview on the Hospital Plan page. Use those details alongside day-to-day allowances to decide which combination suits your household needs.

Choosing the right affordable combination health plan

Selecting the correct plan depends on family size, ages and anticipated healthcare use. Young professionals may prioritise a low monthly premium with meaningful day-to-day cover, while families with children often want stronger day-to-day limits plus hospital protection. Older adults often seek higher hospital limits to reduce exposure to major costs.

Step-by-step selection checklist

• Estimate routine use: Count expected GP visits, dental check-ups and optical needs per year.
• Consider hospital risk: Think about activities, occupational exposure and family medical history.
• Match limits to budget: Balance monthly premium against potential out-of-pocket costs for hospital admissions.
• Confirm waiting periods: Review plan documents for waiting periods on specific benefits.

Practical South African scenarios

• Young couple in a metro: Prioritise day-to-day care for routine GP visits and optometry, with mid-level hospital protection for accidents.
• Family with young children: Stronger day-to-day benefits reduce out-of-pocket costs for frequent child healthcare while hospital cover protects against surgical events.
• Retiree: Higher hospital limits to reduce major cost exposure while maintaining essential day-to-day allowances for routine care.

To check which providers accept your plan near you, search the Affinity provider directory: Find a Provider. For hospital locations, use our hospital provider finder: Find a Hospital Provider.

Next steps - simple actions

• Compare plan options and confirm the day-to-day limits you need.
• Get a quote online to see monthly premiums for your household composition.
• Apply and gain predictable healthcare budgeting across routine and in-hospital care.

Get a quote today to compare combination options and find an affordable plan that suits your household. Affinity Health designs plan options to make private Health Insurance more accessible and budget-friendly for South Africans.

Sources

• Affinity Health - Combined Plan overview
• National Department of Health South Africa - Department information
• Statistics South Africa - Health indicators