Combined health cover designed for Cape Town households

A combined plan brings day-to-day care together with hospital protection so routine visits and major events are both covered under one budget-friendly arrangement. Affinity Health focuses on reliable, lower-cost Health Insurance solutions that suit young professionals, growing families, and retirees living in Cape Town who want predictable monthly payments and access to private healthcare when it matters most.

What a combined plan covers

• Day-to-day benefits: primary care consultations, basic dentistry and optometry access, and acute medicines subject to plan limits.
• Hospital benefits: in-hospital admissions, theatre and ward fees, approved clinician fees and in-hospital procedures.
• Support services: remote consultations and emergency medical response coordination where included by the plan.

Why Cape Town residents choose a combined option

• Predictable budgeting: one monthly payment that reduces the chance of skipping routine care.
• Broad access: use approved private providers across the city for faster appointments and hospital access.
• Suitable for families: cover for children alongside adult hospital protection in one plan option.

Compare core plan features

Affinity Health publishes detailed plan descriptions so you can match a combined plan to your needs. Review combined plan inclusions and exclusions, then compare plan options to decide the most suitable level of day-to-day and hospital benefits for your family. For plan specifics and comparison, view the combined plan page here.

If you want to check which clinicians and facilities are available in Cape Town before you apply, use the provider search to find approved locations and practitioners near you: Find a Provider and hospital locations Find a Hospital Provider.

Get a quote to compare monthly costs across combined plan options and see which plan option best matches your household size and care priorities. Get a quote now to compare plans and join when you’re ready.

How to choose the right combined plan for your Cape Town household

Selecting the right combined plan depends on age ranges, family composition and expected use of routine services. Use this step-by-step approach to compare plan options and keep monthly premiums within your budget.

Step-by-step selection guide

• List expected routine needs: number of GP visits, basic dental and eyewear needs for the year.
• Consider major event risk: planned procedures, family medical history and activity-related risks.
• Balance day-to-day limits vs hospital protection: if routine use is high, prioritise stronger day-to-day limits; for older adults, prioritise higher hospital limits.
• Request quotes for Standard combined plans (18-54), Junior combined plans for children, or Senior combined plans for 55+ to compare monthly payments and benefit levels.

Cape Town-specific use cases

• Young professionals: moderate day-to-day limits for GP and optometry, plus hospital protection for unexpected trauma.
• Families with children: stronger day-to-day benefits for frequent child care visits and immunisations, combined with mid-level hospital protection.
• Retirees: senior combined plans that prioritise in-hospital protection with appropriate day-to-day allowances.

Next steps - compare and join

Ready to compare plans? View day-to-day plan details to understand routine benefits and complement your combined choice: Day-to-Day Plan. If you need stronger in-hospital protection only, review hospital plan inclusions here: Hospital Plan.

When you have compared plan options and costs, get a quote and join now to start cover. Affinity Health aims to keep private primary healthcare accessible and budget-friendly for people living in South Africa.

Sources

• Affinity Health - Homepage
• National Department of Health South Africa - official information
• Statistics South Africa - health indicators and demographics