Combined health cover designed for Kimberley households and young professionals

An affordable combination health plan gives you day-to-day benefits for routine care alongside in-hospital protection for larger medical events. Whether you are a young professional working in Kimberley, a family with children, or a retiree looking for sensible hospital protection, a combined approach helps manage regular expenses and reduces the risk of large unexpected bills. Affinity Health focuses on budget-friendly plan options and clear benefit structures to make private health cover within reach.

What a combination plan delivers

• Day-to-day benefits: GP consultations, basic dentistry and optometry access, and acute medicine cover for routine needs.
• Hospital protection: In-hospital treatment, theatre and ward fees, consulting clinician fees, and in-hospital procedures.
• Single monthly payment: One plan consolidates routine and in-hospital benefits for easier budgeting.

How Affinity Health supports Kimberley residents

Affinity Health offers plan groups suitable for different life stages: Junior (0-17), Standard Range (18-54), Innovator (18-54 advanced combination options) and Senior (55+). For working groups, Group Cover is available for employer-sponsored arrangements. Learn more about specific combined plan options on our combined plan page.

To see what day-to-day benefits typically include, read the detailed outline on the day-to-day plan page. For in-hospital specifics, the hospital plan guide explains inpatient inclusions and common procedures covered.

Key decision factors for Kimberley residents

• Household composition: Young families usually prioritise day-to-day benefits for child healthcare; older adults may want higher hospital limits.
• Planned care: Consider upcoming procedures or regular medication needs and match those to plan inclusions.
• Access to providers: Ensure the plan’s provider network includes convenient private hospitals and Healthcare Practitioners in the Kimberley area.

Practical plan comparison and local use cases

When comparing combination plans, review visit limits for routine care, in-hospital benefit caps, waiting periods and excess structures. Affinity Health’s Innovator range offers multiple combination options for individuals who want more nuanced benefit mixes - see the Innovator overview for details and a comparison grid here. For families with children, the Junior range delivers child-focused day-to-day and hospital choices.

Step-by-step: choosing the right combination plan

1. List routine needs: estimate yearly GP visits, dental appointments and eyewear replacements.
2. Assess major-event risk: consider sports, work-related risks or potential procedures that would require hospital admission.
3. Compare plan options: look at day-to-day visit caps, in-hospital benefit descriptions and any waiting periods.
4. Get a personalised quote: use Affinity Health’s online tools to compare plans and confirm monthly contributions.

Kimberley-focused considerations

• Provider access: confirm nearby private hospitals and Healthcare Practitioners that accept the plan - find providers using the provider search tool.
• Budget planning: combination plans spread risk across routine and in-hospital needs to reduce the chance of large, unexpected bills.
• Group options: if your employer offers group arrangements, Group Cover may provide additional cost efficiencies for working adults.

Sources

• Affinity Health - Combined Plan details
• Affinity Health - Day-to-Day Cover
• Affinity Health - Hospital Plan guide
• Affinity Health - Innovator range overview