Why choose an affordable-combined-health-plan?

A combined health plan brings day-to-day benefits and in-hospital protection into one budget-friendly solution. For young professionals, families with children and retirees, this approach reduces the chance that routine care is skipped while ensuring protection from major hospital costs. Affinity Health focuses on straightforward plans designed to keep private health cover within reach for everyone living in South Africa.

Core benefits you'll typically find

• Day-to-day care: GP consultations, basic dentistry and optometry access, and acute medicines for common conditions.
• Hospital protection: In-hospital admissions, theatre and ward fees, approved clinician fees and in-hospital procedures.
• Support services: Remote consultations for quick clinical advice and Emergency Medical Response coordination where included.

How this plan type fits different South African households

• Young professionals: Prioritise strong day-to-day cover for routine GP visits and acute care while keeping hospital limits adequate for unexpected surgery.
• Families with children: Ensure frequent child healthcare needs and immunisations are covered through day-to-day benefits and protect against costly hospital events.
• Retirees and older adults: Select higher hospital limits to manage surgical or admission-related costs while maintaining modest day-to-day access.

Compare plan types at a glance

To learn more about the individual components, review the detailed day-to-day benefits and hospital inclusions on Affinity Health’s plan pages: Day-to-Day Plan details and Combined plan overview. These pages explain claim processes, waiting periods and typical benefit limits so you can compare options effectively.

How Affinity Health keeps combined plans affordable

Affinity Health focuses on straightforward pricing and clear plan options so South Africans can choose cover that fits their monthly budget. Key affordability features to consider include excess levels, which affect your monthly premium, and plan options targeted at different age groups (Junior, Standard, Innovator and Senior ranges).

Practical selection steps

1. List routine needs: Count expected GP visits, dental check-ups and eyewear replacements per year.
2. Identify risk exposures: Consider sports, travel, or occupational hazards that may increase hospital risk.
3. Match benefit levels: Compare the day-to-day limits and hospital cover amounts across Standard and Innovator combined options.
4. Get a quote: Request a personalised quote based on household composition and ages to see exact premiums and options.

Provider network and access

Affinity Health members can access a broad network of private healthcare providers. Before a planned admission, check participating hospitals and approved clinicians; use the provider search to confirm facilities and practitioners in your area. Find hospitals and practitioners using the provider directories: Find a Hospital Provider and Find a Provider.

Common exclusions and waiting periods to note

• Certain procedures may have waiting periods; check plan documents for specific timeframes.
• Out-of-hospital specialist consultations for ongoing conditions may fall under day-to-day limits.
• Some high-cost procedures have specific approval requirements; plan documentation lists these clearly.

Next steps - getting started

Compare combined plan options based on your household composition and budget. You can view combined plan descriptions and submit a quote request online to get exact monthly pricing and plan details. Start by comparing combined options and the available plan range for your age group.

Ready to explore specific combined plan options? Review the combined plan page for detailed benefit summaries and request a personalised quote to see how an affordable-combined-health-plan fits your monthly budget.

Sources

• Affinity Health - Combined Plan details
• Affinity Health - Day-to-Day Plan
• National Department of Health South Africa - Health information
• Statistics South Africa - Health indicators