Balanced cover for everyday care and in-hospital events in the Free State

A combined health plan gives you day-to-day care plus in-hospital protection under one budget-friendly option. For Free State residents - young professionals, families with children and retirees - this means predictable monthly premiums, easier access to private care and financial protection against major medical bills. Affinity Health offers combined plan options that are designed to help South Africans access reliable health insurance without compromising basic needs.

Who benefits most from a combined plan in the Free State?

• Families with young children who need frequent GP visits and routine care.
• Working professionals seeking quick access to private clinicians for minor illness.
• Older adults who want hospital protection for surgical or acute events while keeping routine costs covered.

What a combined plan typically includes

• Day-to-day services: GP consultations, basic dentistry and optometry access through a provider network.
• Hospital cover: In-hospital admissions, theatre and ward fees, and approved clinician fees for treatments carried out in hospital.
• Remote consultations: Phone or video consultations with approved healthcare practitioners for minor concerns and follow-up advice.

Comparing cover types - at a glance

How Affinity Health keeps combined cover affordable

• Plan options let you prioritise essential benefits and manage monthly premiums.
• Use of an established provider network to access clinicians and facilities across South Africa helps control costs.
• Remote consultations provide quick clinical advice for minor concerns, reducing unnecessary clinic visits.

Learn more about Affinity Health’s combined plan options and how they suit Free State households on the combined plan information page: Affinity Health - Combined Plan. If you need stronger day-to-day benefits only, see our day-to-day options here: Affinity Health - Day-to-Day Cover.

Choosing the right combined plan for your Free State household

Decide based on family size, expected routine visits and any planned procedures. Young families often prioritise stronger day-to-day benefits for child healthcare, while older adults may favour higher in-hospital limits. Follow a few simple steps to select the best option.

Step-by-step selection guide

• Estimate routine usage: Count expected GP visits, dental checks and eyewear needs per year.
• Factor in risk: Consider planned surgeries or higher accident risk due to lifestyle or work.
• Compare monthly cost vs out-of-pocket exposure: Balance your premium with what you could pay if a major event occurs.

Provider access and practical considerations in the Free State

Affinity Health members can find local providers and private hospitals through the online provider locator. Use it to confirm nearby clinicians and hospitals that accept cover under your chosen plan: Find a Provider. For general company information and plan overviews, visit the Affinity Health homepage: Affinity Health - Homepage.

South African scenarios to consider

• Single professional in Bloemfontein: A combined plan with modest day-to-day benefits and solid hospital protection covers occasional GP visits and offers security for unexpected surgery.
• Family in Welkom: Strong day-to-day benefits for child healthcare and mid-level hospital cover to reduce financial risk from injury or acute illness.

Next steps - compare plans and get a quote

Compare available combined plan options and get a quote online to see premiums tailored to your household composition. Use the online tools to compare benefit levels and confirm provider access in the Free State. Get a quote, compare plans and join now to begin cover that fits your monthly budget.

Sources

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