A balanced approach to everyday healthcare and hospital protection

An affordable combined medical insurance plan delivers predictable monthly budgeting by covering routine out-of-hospital needs alongside in-hospital events. Affinity Health designs combined plans to suit young professionals, families with children and retirees who want essential day-to-day benefits paired with robust hospital protection - all without straining household finances.

What a combined plan includes

• Day-to-day benefits: consultations with a healthcare practitioner, basic dental and optometry network access, and acute medicines when needed.
• Hospital benefits: inpatient admissions, theatre and ward fees, approved clinician fees and in-hospital procedures.
• Support services: emergency medical response and remote consultations with a healthcare practitioner for immediate guidance.

Why choose an affordable combined medical insurance plan?

• Predictable cash flow: one monthly premium for both routine care and major events.
• Better access to private care: quicker appointments with private healthcare practitioners and hospital access when required.
• Plan options for every life stage: from Affinity Junior and Affinity Senior to the Standard and Innovator ranges.

Quick plan breakdown - what to compare

• Benefit limits and visit caps for day-to-day services.
• In-hospital definitions and which procedures are covered inside hospital.
• Excess choices and how they affect your premium and out-of-pocket exposure.

Explore Affinity Health's combined plan details for specific benefit lists and eligibility on the combined plan page: Affinity Health - Combined Plan. For clarity on routine benefit options see the day-to-day page: Affinity Health - Day-to-Day Cover.

How to pick the right combined plan for your household

Selecting the most suitable affordable combined medical insurance depends on household composition, health needs and monthly budget. Follow a simple decision path: assess expected routine visits, consider likely inpatient risk, and choose benefit limits that limit high unexpected bills without overpaying for underused cover.

Step-by-step selection guide

• List routine healthcare needs (GP visits, dental check-ups, eyewear) for everyone in the household.
• Consider any upcoming procedures or chronic conditions that could increase in-hospital use.
• Compare combined plan options and review excess levels to balance monthly premium and potential out-of-pocket costs.

Practical South African use cases

• Young professionals: prioritise affordable day-to-day benefits for GP consultations and network optometry while keeping moderate hospital limits for unexpected surgery.
• Families with children: stronger day-to-day allowances reduce out-of-pocket payments for frequent child healthcare visits, paired with solid hospital protection.
• Retirees: consider higher in-hospital limits with appropriate excess choices to manage major events.

Provider access and network information

Affinity Health provides access to a wide network of hospitals and healthcare practitioners. Use the hospital provider finder to confirm facility access in your area: Find a Hospital Provider. To see non-hospital practitioner options use: Find a Provider.

Next steps - compare and get started

Compare combined plan details and request a quote to view exact premiums for your household. Affinity Health offers plan options across age groups - including Affinity Junior for ages 0-17 and Affinity Senior for 55+ - so you can select the right configuration for every family member. Visit the Affinity Health homepage to begin: Affinity Health - Home.

Sources

• National Department of Health South Africa
• Statistics South Africa - Health indicators
• World Health Organization - South Africa