A practical combined health plan for couples that balances routine care and in-hospital protection

An affordable combined health plan for couples aims to provide day-to-day care - GP visits, basic dentistry and acute medicines - alongside in-hospital protection for surgery or serious illness. Affinity Health focuses on straightforward, lower-cost Health Insurance options so couples across South Africa can manage routine healthcare and protect against large hospital bills with one budget-friendly solution.

What a combined plan includes

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

Couples often choose a combined health plan to avoid gaps between everyday care and major events. If one partner needs frequent GP visits while the other prioritises hospital protection for an upcoming procedure, a combined approach gives both predictable monthly budgeting and broad protection.

Which Affinity Health plan groups suit couples?

• Standard Range (ages 18-54): Includes one day-to-day plan, one hospital plan and one combined plan for individuals and couples who want straightforward coverage. See plan details on our Combined Plan page.
• Innovator Range (ages 18-54): Offers multiple combination plan options that pair day-to-day and hospital benefits for couples seeking different benefit balances. Explore the Innovator Range for detailed comparisons.
• Senior and Junior combinations: If one partner falls into Senior (55+) or Junior (0-17) categories, Affinity Health also offers combined options for those age ranges; check the respective pages for eligibility and benefit outlines.

How day-to-day and hospital components work together

A combined plan consolidates routine care and in-hospital events into a single plan, reducing administrative overlap and helping couples predict monthly costs. Day-to-day benefits reduce the chance of skipping GP visits, while the hospital component prevents large, unexpected bills for admissions and procedures.

Provider access and convenience

Affinity Health offers access to a broad network of private hospitals and healthcare practitioners across South Africa. Couples can locate participating providers using the provider search tool to plan care and appointments in advance.

Find nearby participating hospitals and practitioners: Find a Provider.

Choosing the right affordable combined health plan for couples

Selecting the right plan depends on ages, health needs, planned procedures and monthly budget. Couples should balance day-to-day visit expectations with the desired in-hospital limits and any chosen excess to keep monthly premiums manageable.

Step-by-step selection guide

1. List expected routine needs: anticipated GP visits, dental check-ups and eyewear replacements in a year.
2. Assess in-hospital risk: consider planned surgeries or any known acute risks.
3. Compare combination plan options: check benefit limits and in-hospital coverage across the Standard and Innovator ranges.
4. Get a personalised quote and compare monthly costs versus expected out-of-pocket exposure.

Budgeting tips for couples

• Decide which partner needs stronger day-to-day benefits and whether the other needs higher hospital limits.
• Consider an excess that lowers premiums while keeping core hospital protection intact.
• Use remote consultations with a healthcare practitioner for quick, low-cost advice when appropriate.

Common questions couples ask

• Can couples be covered on the same plan? Yes - combined options are available for partners of eligible ages in our Standard and Innovator ranges.
• Are waiting periods applied? Some benefits may have waiting periods; review plan documents for specific timelines and exclusions.
• How do I confirm a provider accepts the plan? Use the provider search to confirm participation before booking appointments: Find a Hospital Provider.

Next steps for couples

Compare combined plan options on the Affinity Health site, request a quote and review benefit limits that match your household needs. When you compare plans, look at day-to-day visit caps, in-hospital limits and any waiting periods that may apply.

Affinity Health’s combined plan options are designed to be budget-friendly while providing meaningful protection for couples across South Africa. Get a quote today to compare suitable plan options and monthly costs for your household.

Sources

• National Department of Health South Africa - Department overview
• Statistics South Africa - Health indicators and statistics
• World Health Organization - South Africa country profile