Affordable combination health plan for Sandton residents

An affordable combination health plan in Sandton brings day-to-day benefits together with hospital protection so individuals, families and professionals can manage routine care while safeguarding against large in-hospital costs. Affinity Health offers budget-friendly plan options designed for South African households who want reliable cover without excessive premiums. Use this page to compare plan features, understand provider access and choose the right balance for your monthly budget.

What a combination health plan covers

• Day-to-day benefits: GP consultations, basic dental and optometry access, and acute medicines subject to benefit limits.
• Hospital protection: In-hospital admissions, theatre and ward fees, approved clinician fees and in-hospital procedures.
• Support services: Remote consultations with healthcare practitioners and Emergency Medical Response coordination where included.

How Affinity Health structures affordable cover

Affinity Health organises combination plans to keep monthly premiums manageable while covering high-cost events. Plan options allow you to prioritise stronger day-to-day benefits or higher in-hospital limits depending on household needs. For an overview of combined offerings and available plans, see our combined plan details here.

Provider access and convenience in Sandton

Affinity Health members can use a wide network of private hospitals, clinics and accredited clinicians in the Sandton area. To find suitable outpatient practitioners and hospital facilities in your vicinity, use the provider search tools: find a local provider here and locate hospital providers here.

Who benefits most in Sandton

• Young professionals who need reliable GP access plus protection against surgical costs.
• Families with children requiring frequent routine care and immunisation visits.
• Retirees seeking in-hospital protection while keeping day-to-day costs modest.

Comparing combination plan features and selecting the right level

Choosing the right combination health plan in Sandton depends on family size, ages and expected healthcare usage. Use a simple three-step approach: estimate routine visit frequency, assess potential in-hospital risk, and compare plan options for benefit limits and excess choices. For more on day-to-day benefits specifically, review our day-to-day plan overview here.

Benefit breakdown - what to expect

Practical selection guide for Sandton households

1. Inventory routine needs: count expected GP, dental and optometry visits per year.
2. Consider planned procedures: any scheduled surgeries or known health risks.
3. Compare excess and benefit limits: higher excess often reduces premium but increases out-of-pocket risk for events.
4. Confirm provider access: ensure preferred hospitals and clinicians are available under the plan.

If you need a plan focused solely on hospital events, review our hospital plan information here. Otherwise, a combination plan often gives the best balance for day-to-day care and in-hospital protection in Sandton.

Get a quote and next steps

Compare plan options and get a quote online to see how affordable a combination health plan in Sandton can be for your household. Use Affinity Health’s online quote tool to compare plans, or request a personalised comparison to match benefit levels with your budget. Typical next steps: get a quote, compare plan options, and join a plan that matches your needs.

Sources

• National Department of Health - South Africa
• Statistics South Africa - Health indicators and population data
• World Health Organization - South Africa profile