Balanced protection for everyday care and in-hospital events in Kimberley

A combined health plan brings day-to-day care together with in-hospital protection so Kimberley individuals and families can manage routine healthcare while avoiding large, unexpected hospital bills. Affinity Health specialises in accessible, lower-cost Health Insurance with plan options that suit young professionals, families with children and retirees.

What a combined plan includes

• Day-to-day benefits: GP consultations, basic dentistry and routine optical benefits subject to plan limits.
• Hospital benefits: In-hospital admissions, theatre and ward fees, approved in-hospital procedures and associated provider fees.
• Remote consultations: Access to virtual consultations with a healthcare practitioner for urgent minor concerns and quick advice.

Affinity Health offers combined plan options across our ranges so you can prioritise the mix of day-to-day and hospital protection that fits your monthly budget. Review the detailed combined plan features on our combined plan page to match benefits to your household needs: Combined plan details and learn how day-to-day benefits work here: Day-to-day cover.

How combined plans help Kimberley households

• Predictable budgeting: One monthly premium covers both routine visits and in-hospital events.
• Fewer out-of-pocket surprises: Hospital events are often the largest single cost - combined cover reduces that risk.
• Family-focused options: Choose plan options designed for children, working adults or retirees within the available ranges.

Head-to-head: Day-to-day vs Hospital (what each covers)

A combined plan is practical for Kimberley residents who want routine access to healthcare practitioners for minor conditions and the security of hospital protection for major health events. For plan specifics and full benefit lists, see the combined plan page linked above.

Choosing the right combined plan for your situation

Your choice should reflect household composition, ages and likely healthcare use. Affinity Health’s ranges include options for young adults (Standard and Innovator), children (Affinity Junior) and older adults (Affinity Senior). Group Cover is available for employer groups only.

Step-by-step selection guide

• List routine needs: Estimate GP visits, dental checks and eyewear replacements per year.
• Consider hospital risk: Think about planned procedures, family medical history and occupation-related risks.
• Review plan options: Compare day-to-day limits and hospital benefit definitions on the combined plan comparison tools.
• Check provider access: Confirm local hospital and healthcare practitioner availability in Kimberley using our provider search.

You can review hospital-specific details to understand in-hospital inclusions and exclusions here: Hospital plan information. To find local private hospitals and practitioners in Kimberley, use our provider locator: Find a hospital provider.

Practical considerations and next steps

• Compare plan options side-by-side to balance monthly premium and potential out-of-pocket costs.
• Confirm waiting periods for specific benefits and any age-based plan rules.
• Use our pricing resources to view current premiums and select the option that fits your budget.

Ready to compare plans or get a personalised quote? Visit our combined plan page, check pricing and get an instant quote to see how a combined plan can protect your family in Kimberley.

Sources

• Affinity Health - Combined Plan details
• Affinity Health - Day-to-Day cover overview
• Affinity Health - Hospital plan guide
• National Department of Health South Africa - Official information