Affordable combination health plan that balances everyday care and in-hospital protection

A combination health plan pairs routine out-of-hospital benefits with in-hospital protection so you can manage regular healthcare costs while staying protected against large hospital bills. Affinity Health offers budget-friendly plan options aimed at South African individuals, families with children, young professionals and retirees who want dependable Health Insurance without excessive premiums.

What a combination plan includes

• Day-to-day benefits: GP consultations, basic dentistry, optometry network access and acute medicines within benefit limits.
• Hospital benefits: In-hospital admissions, theatre and ward fees, approved healthcare practitioner fees and in-hospital procedures.
• Remote consultations: Access to virtual consultations with a healthcare practitioner for minor concerns and follow-up care.

Who benefits most

Combination plans are ideal for:

• Young professionals who need routine GP access and protection from unexpected surgery costs.
• Families with children who require frequent GP visits, immunisations and dental check-ups.
• Retirees seeking reliable hospital protection while retaining limited day-to-day benefits for routine care.

How Affinity Health keeps plans affordable

• Budget-friendly plan options that let you prioritise the level of day-to-day and hospital benefits.
• Efficient administration and a focused product range to reduce overheads and keep premiums accessible.
• Clear benefit summaries and manageable excess choices to control monthly costs while maintaining core protection.

Compare the combination plan structure and benefit lists to decide which option fits your household. For a focused view of routine benefits, see our Day-to-Day cover. To review the in-hospital protections included, view our Hospital plan. If you want an overview of a single plan that combines both sets of benefits, explore our Combined plan.

Benefit comparison at a glance

Choosing the right combination plan for your needs

Selecting the best plan depends on family size, ages and expected healthcare needs. Follow this simple process to narrow choices and compare expected monthly costs.

Step-by-step selection guide

• List routine needs: estimate annual GP visits, dental check-ups and eyewear replacements for your household.
• Consider risk exposure: think about potential surgeries, sports or occupational risks that could trigger hospital admission.
• Compare benefit summaries: look at visit limits, in-hospital inclusions and excess options to understand out-of-pocket exposure.
• Get quotes: compare monthly premiums for different plan options and household compositions.

Why South Africans choose Affinity Health

• Accessible pricing and focused products that make private Health Insurance available to more people.
• Clear benefit documents that show what is included, waiting periods and how claims work.
• Nationwide access to private hospitals and out-of-hospital providers; find nearby providers using our directory.

Locate a hospital or healthcare provider near you to check network availability: Find a hospital provider and Find a provider.

Practical South African use cases

• Young couple: prioritise strong day-to-day access for GP visits and low-cost in-hospital protection for emergencies.
• Family with children: choose higher day-to-day allowances for frequent child healthcare and moderate hospital limits.
• Pre-retirement professional: balance higher hospital limits with limited day-to-day cover to manage premium increases with age.

Ready to compare plans? Get a quote, compare plans and join now online to secure cover that suits your monthly budget and health needs.

Sources

• Affinity Health - Combined plan
• Affinity Health - Day-to-Day cover
• Affinity Health - Hospital plan information
• National Department of Health South Africa
• Statistics South Africa - Health statistics