Practical combined health insurance for Johannesburg residents

If you live or work in Johannesburg and want budget-friendly protection that covers routine care plus in-hospital events, a combined plan from Affinity Health can help you manage both predictable and large medical costs. Our combined plan options bring together day-to-day benefits for GP visits, basic dentistry and acute medicines with in-hospital protection for admissions, theatre and ward fees and approved in-hospital procedures. Affinity Health has offered affordable private Health Insurance across South Africa since 2011 and specialises in long-term, reliable plan options for individuals, families, young professionals and retirees.

Core benefits included in a combined plan

• Day-to-day benefits: GP consultations, basic dentistry, optometry network access and acute medicine limits; see plan details on our Day-to-Day plan page.
• Hospital benefits: In-hospital admissions, theatre and ward costs, approved in-hospital procedures and coverage for approved clinicians during admission; details on our Hospital plan page.
• Combined convenience: Single monthly premium for both sets of benefits, making household budgeting simpler while keeping essential protections together.

How Affinity Health keeps combined plans affordable in Johannesburg

• Clear plan options that let you prioritise day-to-day benefits or higher in-hospital limits according to your budget.
• Access to a wide provider network so approved services are available across the metro; find local providers on our Find a Provider page.
• Simple application and claims processes designed for straightforward, long-term cover.

What to look for in plan details

• Day-to-day visit limits and benefit allowances for GP, basic dentistry and optometry.
• In-hospital coverage definitions: which procedures and in-hospital diagnostic tests are included and how approved clinicians are covered during admission.
• Waiting periods and any defined exclusions for specific procedures; these are set out in policy documents.

To view available combined plan options and an overview of inclusions, see our Combined plan page and then get a personalised quote to match family size and ages: Combined Plan details.

Choosing the right combined plan for your Johannesburg household

Selecting the best combined option depends on family composition, health needs and monthly budget. A practical way to decide is to balance expected routine visits (GP, dental, eyewear) with the level of in-hospital protection you want for surgeries or admissions. Follow the steps below to compare plan options and be confident in your choice.

Step-by-step selection guide

• List typical routine needs for a year: anticipated GP visits, dental check-ups and eyewear replacements.
• Estimate in-hospital exposure: consider whether you want higher cover for planned procedures, or a balanced level for unexpected admissions.
• Compare plan options and premiums online, then request a quote that matches ages and household size; current premiums and plan options are shown on our pricing page.

Quick comparison - typical combined features

Getting a quote and next steps

Compare plan options and request a personalised quote to see exact premiums based on ages and household size. Visit our pricing page for current premiums and plan options, then use the online quote tool to compare options and choose a plan that meets your budget. For quick access to pricing and plan options, go to the pricing page: current pricing and plan options. When you’re ready, get a quote, compare plans and join now using the online application process on our site.

Practical Johannesburg considerations

• Provider access: choose a plan level that gives access to approved facilities and clinicians in the metro area for the fastest care.
• Budget planning: balance monthly premium with likely routine out-of-pocket costs to keep total household health spend predictable.
• Emergency Medical Response: ensure your plan explains how emergency medical response and in-hospital admissions are handled for clarity during urgent events.

Ready to compare? View combined plan options and request a quote online to see which plan aligns with your needs and budget: Compare combined plans or start a quote from our homepage.

Sources

• Affinity Health - Combined Plan details
• Affinity Health - Day-to-Day plan information
• National Department of Health - South Africa
• Statistics South Africa - Health indicators