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Stay ahead with our latest insights and proven strategies
Discover budget-friendly combined day-to-day and hospital medical insurance for individuals and families in the Free State. Compare plans, get a quote, and view provider access.
A combined medical insurance plan brings routine out-of-hospital benefits together with in-hospital protection, helping Free State residents manage everyday care and large medical events under one budget-friendly option. Affinity Health offers clear plan options for young professionals, growing families, and retirees who want affordable cover without unnecessary complexity.
Quick check: If you want GP access and basic dental for regular care plus in-hospital protection for surgery or serious illness, a combined plan is often the most balanced choice for Free State families and professionals.
Review plan details and benefit summaries on the Affinity Health combined plan page to see which option suits your household: Affinity Health - Combined Plan. If you mainly need everyday GP visits, start with the day-to-day information here: Affinity Health - Day-to-Day Cover.
Affinity Health members may use a wide network of private hospitals and medical practitioners in the Free State. Find nearby providers to confirm access and convenience before you join: Find a hospital provider.
Selecting the right combined plan depends on household composition, typical healthcare use and monthly budget. Young families often prioritise stronger day-to-day benefits for child healthcare and immunisations, while older adults typically choose higher in-hospital limits and broader inpatient protection.
| Priority | Day-to-day focus | Hospital focus |
|---|---|---|
| Young family | High GP and child care | Moderate inpatient limits |
| Single professional | Moderate GP access | Basic to moderate hospital cover |
| Retiree | Lower day-to-day needs | Stronger in-hospital protection |
Ready to compare plans? Use our combined plan resources and get a tailored view of benefits and monthly cost options. Start with an online quote or compare plan options side-by-side before you join. Learn more about hospital-specific benefits here: Affinity Health - Hospital Plan.
Find nearby non-hospital providers and clinicians in the Free State to check convenience before you join: Find a provider. For a full company overview, visit the Affinity Health homepage: Affinity Health - Homepage.
Disclaimer: This article is intended for informational purposes only and should not be considered medical advice. Always consult a qualified healthcare professional before making any decisions about your health or treatment.
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Get answers to common questions about Combined Health Plan
Principal member premiums effective from 1 January 2026. Rates may vary by age and dependants.
| Plan | Principal premium | Main distinction | Details |
|---|---|---|---|
| Day-to-Day Plan | From R929/per month | — | View plan |
| Hospital Plan | From R1 434/per month | — | View plan |
| Vital Select | From R289/per month | Limited hospital-care plan | View plan |
| Combined Plan | From R2 098/per month | — | View plan |
| Chrome | From R589/per month | Day-to-day plus accident hospitalisation | View plan |
| Bronze | From R759/per month | Broader day-to-day benefits | View plan |
| Delta Max | From R839/per month | Adds diagnostic procedures | View plan |
| Standard Day-to-Day | From R929/per month | Broader routine healthcare cover | View plan |
| Standard Hospital | From R1 438/per month | Hospital cover | View plan |
| Standard Combined | From R2 098/per month | Combined day-to-day and hospital | View plan |
Choose the option that fits your needs
We believe that quality healthcare should be accessible to everyone. Our plans are designed to be cost-effective, providing value without compromising on essential benefits.
Affinity Health members have access to the largest healthcare provider network in the country, including GP’s, Dentists and Hospitals.
From routine check-ups to emergency medical services, our plans encompass a wide spectrum of healthcare services, including chronic medication cover and emergency medical services.
Understanding that healthcare needs vary, we offer flexible plans that can be customised to suit your specific requirements.
Qualified and motivated service agents powered by a state-of-the-art call centre.
Our dedicated team is available 24/7 to assist with pre-authorisation, telehealth consultations and emergency services.