Balanced protection for everyday care and in-hospital events

A combined health plan brings day-to-day benefits together with hospital cover so you can manage routine healthcare costs and protect against high in-hospital bills. Affinity Health focuses on affordable, reliable health insurance that keeps private primary healthcare within reach for people across the Western Cape - from young professionals in the city to families and retirees living in coastal towns.

What a combined plan covers

• Day-to-day benefits: GP consultations, basic dentistry, optometry network access and acute medicines, within set benefit limits.
• Hospital benefits: In-hospital admissions, theatre and ward fees, approved practitioner fees and in-hospital imaging and procedures.
• Support services: Remote consultations with healthcare practitioners and emergency medical response coordination if required.

Plan groups and who they suit

• Junior plans (0-17 years): Options that prioritise routine child healthcare alongside hospital protection. See our junior plan overview for details: Junior Cover.
• Standard and Innovator plans (18-54 years): Budget-friendly choices for working adults and young families, with combined plan options explained here: Combined Plan.
• Senior plans (55+ years): Combined options that reflect older adults’ priorities, including in-hospital protection tailored to common risks.

Quick comparison at a glance

For help understanding covered providers and where to access in-network care across the province, use our provider search to locate clinics and hospitals near you: Find a Provider.

Choosing the right combined plan for your Western Cape household

Selecting the right level depends on household composition, typical GP use, planned procedures and monthly budget. Young families often prioritise generous day-to-day allowances for child healthcare, while older adults may prioritise higher hospital limits. Below is a practical selection guide and clear next steps.

Step-by-step selection guide

• List routine needs: estimate annual GP visits, dental check-ups and eyewear replacements for everyone on the plan.
• Assess exposure to risk: consider occupational or recreational risks that might increase likelihood of hospital events.
• Compare benefit combinations: weigh higher day-to-day limits versus higher hospital limits based on likely out-of-pocket costs.
• Review waiting periods and in-hospital definitions in the plan documents before joining.

Practical Western Cape scenarios

• Young professionals in a metro: moderate hospital limits with solid day-to-day benefits for GP and optometry needs.
• Family with children: stronger day-to-day allowances to avoid skipping routine care and reliable hospital protection for major events.
• Retiree couple: higher in-hospital limits and focused screening through virtual consultations with healthcare practitioners.

How Affinity Health supports members in the Western Cape

• Budget-friendly plan options across Junior, Standard, Innovator and Senior ranges to match life stage needs.
• Access to a nationwide provider network and tools to locate participating clinics and hospitals.
• Remote consultations with healthcare practitioners for quick advice and routine follow-ups.

Ready to compare options? Get a quote, compare plans and join now to start protecting your family’s health in the Western Cape. For details on specific combined plan features see the combined plan page: Compare combined plans. If you want to focus on day-to-day benefits first, review our day-to-day options here: Day-to-Day plans.

Next steps to join

1. Get a personalised quote online to compare monthly contributions for your household.
2. Review plan documents for waiting periods, exclusions and in-hospital definitions.
3. Apply online and start cover from the first available effective date after approval.

Sources

• Affinity Health - Combined Plan details
• Affinity Health - Day-to-Day options
• Affinity Health - Hospital plan guide
• National Department of Health - South Africa
• Statistics South Africa - Health indicators