Practical cover for routine care and in-hospital events in the North West

A combined plan brings day-to-day benefits together with in-hospital protection so households and working professionals can manage routine healthcare costs while staying covered for larger medical events. Affinity Health focuses on affordable health insurance options that help South Africans access private care without placing undue strain on monthly budgets.

What a combined plan typically includes

• Day-to-day benefits: consultations with a healthcare practitioner, basic dental and optical network access, and acute medicines within benefit limits.
• Hospital benefits: in-hospital admissions, theatre and ward fees, approved medical practitioner fees and in-hospital procedures.
• Support services: remote consultations with healthcare practitioners and Emergency Medical Response where needed.

For a clear overview of combined plan design and benefit structure, view Affinity Health’s combined plan options here. If you want to understand how routine benefits are handled on their own, explore the day-to-day plan details here.

Why combined cover makes sense for North West households

• Predictable monthly cost: consolidating routine and in-hospital benefits helps households budget for healthcare.
• Continuity of care: routine access to a healthcare practitioner reduces the need to delay treatment.
• Protection from high hospital bills: in-hospital benefits help prevent sudden, large out-of-pocket expenses.

Who benefits most from a combined plan in the North West

• Young professionals needing regular GP access and workplace resilience against accidents.
• Families with children who require routine consultations, immunisations and occasional dental care.
• Retirees and older adults who want hospital protection alongside periodic outpatient care.

Get started by comparing plan options and requesting a personalised quote - use the online quote tool to see estimates and plan options suited to your household composition and budget. Common next steps are to compare benefit levels, review in-hospital definitions, and confirm any waiting periods for specific services.

Choosing the right level of cover for your household or workplace

Selecting the appropriate combined plan level depends on household size, ages, existing medical needs and how much you want to pay monthly versus your acceptable out-of-pocket exposure. Below are practical selection criteria and comparison points for North West residents.

Selection checklist

• Estimate routine use: number of GP visits, dental check-ups and eyewear replacements per year.
• Assess hospital risk: consider occupational risks, sporting activities or any planned procedures.
• Compare excess options: higher excesses may reduce monthly premiums but increase out-of-pocket costs when you claim.

Provider access and service locations

Affinity Health gives members access to a nationwide provider network. To find participating hospitals and outpatient providers near you in the North West, use the provider search tools for hospitals and other practitioners:

• Find a hospital provider
• Find a healthcare practitioner or outpatient provider

Budget-friendly planning and common South African use cases

• Single young professional: prioritise day-to-day benefits for GP access with a mid-level hospital component for major events.
• Family with young children: stronger day-to-day cover to reduce out-of-pocket costs for frequent child healthcare.
• Working adults with physical jobs: higher hospital limits to manage injury-related admissions.

Affinity Health also offers alternative product lines for different needs - explore the Innovator range for additional plan options here. If you are part of a workplace, Group Cover can provide health insurance solutions for employer groups here.

How to proceed

• Compare combined plan options and note benefit limits and waiting periods.
• Request a quote to see monthly premiums aligned to your household composition.
• Confirm provider locations and emergency response arrangements in your area.

Ready to compare plans? Get a quote, join now or compare plan options to see which combined medical insurance best fits your North West budget and healthcare needs. For details about in-hospital benefits and claim procedures, review the hospital plan information here.

Sources

• Affinity Health - Homepage
• National Department of Health South Africa - Official information
• Statistics South Africa - Health indicators and population data
• World Health Organization - South Africa profile