Affordable combined health plan options for South African households

A combined health plan brings day-to-day care and hospital protection together in one budget-friendly solution. Whether you're a young professional, a family with children, or a retiree seeking dependable in-hospital protection, a combined plan helps manage routine appointments and unexpected in-hospital events under a single monthly premium. Affinity Health focuses on accessible health insurance designed for South Africans who want reliable cover without overpaying.

What a combined plan covers

• Day-to-day benefits: GP consultations, basic dental and optical network access, and acute medicines within stated limits.
• Hospital benefits: In-hospital admissions, theatre and ward fees, and approved clinician fees during authorised admissions.
• Support services: Remote consultations with healthcare practitioners for immediate advice and coordinated Emergency Medical Response when required.

How Affinity Health structures combined plans

Affinity Health offers combined-plan options across the Standard Range and Innovator Range for individuals aged 18-54, and tailored combined choices within the Junior and Senior ranges for children and members aged 55+. Each combined plan balances day-to-day allowances with hospital limits so you can choose the right balance for your household and monthly budget.

Quick comparison: Day-to-day, Hospital and Combined

Learn more about how combined plans work and compare benefit inclusions on the Affinity Health combined plan page: Affinity Health - Combined Plan. If you want more detail on routine care components, see the day-to-day plan overview here: Affinity Health - Day-to-Day Cover.

Who benefits most from a combined plan?

• Young professionals who need routine GP access plus protection for accidents or urgent surgery.
• Families with children who require frequent GP visits and occasional in-hospital care.
• Retirees wanting dependable in-hospital protection while keeping routine visits covered.

Choosing the right combined plan for your needs

Selecting the right combined plan depends on family size, ages and expected healthcare use. Follow a simple process to decide which plan option fits your monthly budget and risk profile.

Step-by-step selection guide

• Estimate routine use: Count expected GP visits, dental check-ups and eyewear needs per year.
• Consider major risk: Think about planned procedures or higher accident exposure due to lifestyle or work.
• Compare plan options: Review combined-plan benefit descriptions and limits to estimate potential out-of-pocket exposure.

Provider network, claims and Emergency Medical Response

Affinity Health provides access to a nationwide provider network so you can find approved hospitals and clinicians when you need them. Locate suitable providers using the provider search: Find a Provider. For hospital locations, use the hospital provider finder to confirm coverage at a specific facility: Find a Hospital Provider.

Practical South African scenarios

• Dual-income couple: Prioritise day-to-day limits for weekday minor care and mid-level hospital protection for unexpected surgery.
• Family with young children: Strong day-to-day benefits for frequent GP visits plus combined hospital limits for serious incidents.
• Working professional with travel exposure: Solid hospital protection and access to remote consultations with healthcare practitioners.

How to apply and compare plans

1. Review combined-plan descriptions and benefits on the Affinity Health combined plan page.
2. Use the online quote tool to compare monthly premiums and benefit choices, then select the plan option that fits your budget.
3. Complete the application online and confirm start dates and waiting periods included in the plan documents.

Ready to compare plans and get a quote? Start by viewing combined plan options and request a quote to see monthly premium estimates based on the ages and composition of your household.

Sources

• Affinity Health - Combined Plan details
• Affinity Health - Day-to-Day Cover overview
• National Department of Health South Africa - official information
• Statistics South Africa - health indicators