Combined Protection Designed for Seniors

A combined health plan for seniors brings together day-to-day benefits and hospital cover in one budget-friendly solution. For South African retirees and adults aged 55 and over, this approach helps manage routine healthcare costs - like consultations, basic dentistry and eyewear - while providing in-hospital protection for surgeries, ward and theatre fees and approved in-hospital procedures. Affinity Health's senior plans focus on clear inclusions, simple processes and predictable monthly premiums for individuals and families caring for older relatives.

What senior combined plans typically include

• Day-to-day benefits: GP consultations, basic dental and optometry benefits, and acute medication limits where applicable.
• Hospital benefits: In-hospital admissions, theatre and ward fees, and approved in-hospital procedures administered by approved healthcare practitioners.
• Support services: Access to remote consultations for urgent advice and Emergency Medical Response services where required.

How Affinity Health’s senior combined plans help manage costs

• Budget-friendly plan options designed for older adults with straightforward benefit sets.
• Clear definitions of in-hospital events so you know when hospital benefits apply and when day-to-day benefits handle routine care.
• Simple application and claims processes to reduce administrative hurdles after admission or routine visits.

If you want to compare the combined structure and see plan inclusions in detail, review our combined plan overview and senior plan information for 55+ adults. For a quick look at what a senior combined plan contains, visit the Combined Plan and the Senior Cover pages to compare benefits and eligibility.

Key considerations for seniors choosing a combined plan

• Waiting periods: Understand waiting periods for specific procedures and for certain benefits in the first months of cover.
• Benefit limits: Check visit limits, dental and optical limits, and any caps on acute medication to avoid unexpected out-of-pocket costs.
• In-hospital definitions: Confirm what counts as an in-hospital event to ensure large bills are covered by the hospital portion of the plan.

Ready to explore senior combined options? Get a quote to see plan comparisons and exact monthly premiums for your age band and household composition. Use the online comparison tools to get a quote and compare plan options quickly.

Choosing the right level of cover for retirees

Selecting the correct combined plan level for a senior depends on health needs, planned procedures and monthly budget. Some retirees prioritise stronger day-to-day benefits for regular consultations and chronic medication management, while others may prioritise higher hospital limits to protect against major surgical costs.

Step-by-step selection guide

1. List routine needs: Estimate the number of GP visits, dental appointments and optical purchases per year.
2. Review recent medical history: Note any planned procedures or recurring treatments that could require in-hospital cover.
3. Compare plans: Match benefit limits and waiting periods against expected use and monthly budget.

Provider access and practical use in South Africa

Affinity Health members can locate approved healthcare practitioners and participating facilities across South Africa. Knowing where to access approved in-hospital treatment helps with planning and reduces the administrative burden after an admission. Use the provider search to find a suitable practitioner near you: Find a Provider. For hospital-specific locations, consult our hospital provider guide to confirm facility access.

Practical South African scenarios (non-personalised)

• Retiree who visits a GP monthly: Prioritise stronger day-to-day allowances to limit out-of-pocket spend.
• Retiree with higher surgical risk: Prioritise higher hospital limits and confirm in-hospital procedure coverage.

Compare plan details and exact premium amounts for seniors with the combined plan summary and senior cover information to determine the most suitable option. When ready, you can compare plans and join now via the online application process.

What to check in documents before you join

• Benefit limits and visit caps for routine services.
• Definitions of in-hospital events and any applicable exclusions.
• Waiting periods that apply to specific benefits and procedures.

Sources

• Affinity Health - Senior Cover (55+)
• Affinity Health - Combined Plan Overview
• National Department of Health South Africa - Health resources
• Statistics South Africa - Health indicators and demographic data

For personalised premiums and a full breakdown of senior combined plan benefits, visit the combined plan page and senior cover page to get a quote or compare senior options online.