Practical combined cover for Johannesburg households

A combination health plan brings day-to-day care together with hospital protection in one budget-friendly plan. For young professionals, families with children and retirees in Johannesburg, this approach reduces the risk of skipping routine care while ensuring major in-hospital costs are managed. Affinity Health offers combined plan options across age ranges, designed to suit different healthcare needs and monthly budgets.

Who benefits most from a combination plan?

• Young professionals wanting affordable routine GP visits plus emergency hospital protection.
• Families with children who need frequent day-to-day consultations, basic dentistry and immunisations plus hospital cover for serious events.
• Retirees seeking reliable in-hospital protection with some out-of-hospital benefits for regular check-ups.

What a combination plan typically includes

• Day-to-day benefits: GP consultations, basic dentistry, optometry network access and acute medicines through the plan's outpatient benefits.
• Hospital benefits: In-hospital admissions, theatre and ward fees, approved medical practitioner fees and in-hospital procedures.
• Support services: Remote consultations for quick clinical advice and Emergency Medical Response when required.

Affinity Health offers combined plan options in several plan groups: Junior (0-17), Senior (55+), Standard Range (18-54) and the Innovator Range (18-54) which includes multiple combination options. Group Cover also includes combination plans but is available only to employer or organisational groups.

Compare specific benefit outlines on our combined plan page, and review outpatient details on the day-to-day page for scope and limits.

Provider access and practical considerations in Johannesburg

Affinity Health members can use an extensive private provider network across Johannesburg. Before selecting a plan, check which hospitals and outpatient clinicians are included using our provider finder to ensure access close to home or work: find a hospital provider.

How combined plans keep costs manageable

• Consolidating routine and hospital cover into one plan makes monthly budgeting simpler.
• Choose the level of day-to-day benefits and hospital limits that suit your household needs.
• Plan options across Junior, Standard and Innovator ranges let you prioritise services while managing premiums.

Get an immediate, personalised quote and compare plan levels to see which combination fits your Johannesburg household. Click to get a quote and compare plans quickly.

Compare combination options - clear differences

Not all combined plans are the same. Below is a concise comparison to help you choose between common plan groups available to individual Johannesburg residents.

Step-by-step: choose the right combination for your household

• Count routine needs: estimate annual GP visits, dental checks and eyewear needs for each family member.
• Assess hospital risk: consider planned procedures, sports or occupational risks that might lead to admission.
• Compare plan options: review day-to-day limits, hospital limits and any applicable waiting periods on the combined plan page.
• Use the provider finder to confirm nearby hospitals and clinicians are included.

For up-to-date premiums and to compare costed examples for Johannesburg households, view our current premiums online and request a quote. Use the online tools to compare plan options and join now if you find the right fit.

Practical Johannesburg scenarios (no personal examples)

• Two-income household: Balanced day-to-day benefits for child healthcare and hospital protection for unexpected surgery.
• Single professional: Lower day-to-day limits with strong hospital cover for major events while keeping monthly premiums manageable.

Ready to compare plans? Visit our day-to-day and hospital pages for benefit detail, then get a quote or join now to start cover that matches your Johannesburg needs.

Sources

• Affinity Health - Homepage
• Affinity Health - current premiums and pricing
• Affinity Health - Combined plan details
• National Department of Health - South Africa
• Statistics South Africa - Health indicators