Health Insurance Designed for Couples

Couples need reliable protection that balances everyday healthcare with cover for in-hospital events. Affinity Health offers plan options that let partners share benefits, control monthly costs and maintain access to private care. Whether you and your partner are young professionals starting a family or established adults prioritising long-term security, there is a practical option that matches your needs.

Why choose combined cover for couples?

• One monthly premium for day-to-day care plus in-hospital protection simplifies budgeting.
• Shared benefits make it easier to cover routine GP visits, basic dentistry and unexpected admissions.
• Access to virtual consultations for minor concerns reduces unnecessary clinic visits and keeps costs predictable.

Affinity Health plan groups relevant to couples

• Standard Range (ages 18-54): Core combined plan suitable for most working-age couples.
• Innovator Range (ages 18-54): Multiple combined plan options for couples who want defined benefit mixes.
• Group Cover: Available for employer groups and not for retail couples; keep this in mind if one partner has workplace cover.

If you want a straightforward combined option, start with the combined plan overview to compare inclusions and choose a level that matches your monthly budget. For couples focused on routine primary care, review the day-to-day plan details and then match that with suitable in-hospital protection shown on the hospital plan page.

Core benefits couples commonly prioritise

• Day-to-day consultations: GP visits and selected basic dental or optical benefits (subject to plan limits).
• In-hospital cover: Theatre and ward fees, in-hospital procedures and approved practitioners during admissions.
• Remote consultations: Virtual consultations for urgent minor issues and follow-up advice.

Compare plan features at a glance

Ready to compare options? Get a quote to see personalised premium estimates and plan details for you and your partner - visit the combined plan page above or start from the Affinity Health homepage to explore all plan groups.

How to choose the right cover as a couple

Selecting the right option depends on age, existing healthcare needs, and monthly budget. Couples commonly follow a simple decision process to balance routine access with protection from large bills.

Step-by-step selection guide

• List expected routine care: Estimate GP visits, dental check-ups and any planned procedures for the next 12 months.
• Decide on hospital protection level: Consider likely admission costs and choose in-hospital limits accordingly.
• Compare combined options: Use the combined plan comparison to see how day-to-day benefits and hospital cover work together.
• Request quotes: Get a quote online to compare monthly premiums for both partners and finalise your selection.

Practical considerations for South African couples

• If one partner has workplace group cover, compare gaps and decide whether shared retail cover is needed.
• Young couples often prioritise stronger day-to-day benefits; older couples typically prioritise higher hospital limits.
• Use virtual consultations to reduce time off work and limit travel costs for minor conditions.

Provider access and approvals

Affinity Health provides access to a wide network of private providers and hospitals. To find if a practitioner or facility is available to you, use the provider lookup tools and hospital search. Start with the find a provider tool or the hospital provider search to confirm options in your area.

Getting started - practical next steps

• Compare combined plan options on the combined plan page and note differences in day-to-day limits and in-hospital benefit structures.
• Request a personalised quote online for both partners to see accurate monthly premiums.
• Complete the application together and choose the plan option that keeps monthly costs within your household budget.

Compare plans now to see which option gives you the best balance of routine care and in-hospital protection. Get a quote online and join now with clear, budget-friendly plan options designed for South African couples.

Sources

• Department of Health - South Africa
• Statistics South Africa - Health indicators and demographics
• World Health Organization - South Africa country profile