Practical combined health insurance for North West residents

If you live or work in the North West and want one budget-friendly plan that covers routine out-of-hospital care plus in-hospital events, a combined health plan can bring both predictability and protection. Affinity Health offers combined plans across our Standard Range, Junior and Senior ranges, plus Innovator and Group Cover combinations for different needs and ages.

What a combined plan includes

• Day-to-day benefits for GP consultations, basic dentistry, optometry access and acute medicine where included.
• Hospital cover for in-hospital admissions, theatre and ward fees, approved practitioner fees and in-hospital procedures.
• Support services such as virtual consultations and Emergency Medical Response coordination when needed.

Combined plans simplify billing and help South African households manage both small routine costs and large, unexpected hospital bills. Affinity Health’s combined options are designed for young professionals, families with children and retirees who want reliable protection without unaffordable premiums.

Plan availability and who each range suits

• Affinity Junior (0-17 years): Combined option available for child-focused benefits - see Junior details here.
• Standard Range (18-54 years): Single combined plan for working-age adults with balanced day-to-day and hospital protection - learn more here.
• Affinity Senior (55+ years): Combined option for retirees who prioritise in-hospital protection and selected out-of-hospital benefits.

Why choose an Affinity Health combined plan in North West?

• Affordability: Plan options designed to suit tighter budgets without sacrificing essential hospital protection.
• One consolidated premium: Manage routine visits and unexpected hospital costs within one plan for easier budgeting.
• Provider access: Use our nationwide provider listings to find hospitals and practitioners near you.

To compare benefits side-by-side, view our combined plan summary and see how day-to-day allowances pair with in-hospital limits for different household sizes. If you need dedicated combination alternatives, explore the Innovator range for multiple combination plans designed for specific needs.

Get a quote, compare plans and join now to secure cover that meets everyday needs and major-event protection in the North West.

How to select the right combined plan for your household

Choosing the best combined plan depends on family size, ages and how often you use routine services. Follow a simple, practical approach to match monthly cost to likely use.

Step-by-step selection guide

• Inventory routine needs: Estimate annual GP visits, dental check-ups and eyewear replacements for each family member.
• Assess hospital risk: Consider any planned procedures, sports or occupational risks and the need for higher in-hospital limits.
• Compare plan options: Use online plan comparisons to check day-to-day allowances and in-hospital benefit levels, then request a personalised quote.

Practical examples for North West scenarios

• Young professional: Prioritise moderate day-to-day cover for GP and virtual consultations with a standard hospital limit for major events.
• Family with children: Increase day-to-day allowances for frequent child healthcare while keeping strong hospital protection for accidents.
• Retiree couple: Consider a combined plan within our Senior range that emphasises in-hospital cover and selected out-of-hospital benefits.

Affinity Health’s Innovator range provides multiple combination plans if you prefer more option variety; Group Cover is available if your employer or organisation seeks combined solutions for employees. Explore Innovator options here and Group Cover information here.

Provider access and claims support

Find private hospitals and approved practitioners across North West using our provider search to confirm access near you. For hospital admissions, claims and Emergency Medical Response, Affinity Health offers structured support to help manage the process quickly and efficiently.

Locate nearby providers with our searchable directory Find a Hospital Provider. Compare combined plan features, request a quote and join now to secure cover that balances everyday care with major-event protection for North West households.

Sources

• National Department of Health - South Africa
• Statistics South Africa - Health indicators
• World Health Organization - South Africa country profile
• Affinity Health - Homepage

For an accurate monthly premium for your household composition in North West, compare combined plan options and request a quote through our website. Pricing is consistent across provinces and available immediately online.