Practical health cover designed for Johannesburg lives

Affinity Health has focused since 2011 on making private Health Insurance accessible and affordable for South Africans. For Johannesburg residents - young professionals, families with children, and retirees - a combined plan that brings day-to-day benefits together with in-hospital protection delivers predictable monthly costs and peace of mind when serious care is needed. Our combined plan options let you prioritise routine GP visits and basic dental care while protecting you from large hospital bills.

What a combined plan covers

• Day-to-day: GP consultations, basic dentistry and optometry network access, and acute medicines via set benefit limits.
• Hospital: In-hospital admissions, theatre and ward fees, approved clinician fees and in-hospital scans or procedures.
• Support services: Remote consultations with healthcare practitioners for immediate advice and guidance.

Who benefits most in Johannesburg

• Young professionals seeking affordable monthly cover and quick access to routine care.
• Families who need strong day-to-day benefits for children plus hospital protection.
• Retirees who prioritise hospital limits while keeping routine outpatient costs manageable.

Affinity Health’s combined plan descriptions explain the mix of benefits in simple terms; learn more on our Combined plan page. If you mainly need routine care, see our detailed overview of day-to-day benefits on the Day-to-Day cover page.

Quick benefit comparison

Ready to compare options for Johannesburg? Get started with a quick online quote and compare available combined plan options to find the right balance of routine benefits and in-hospital limits.

Choosing the right level for your Johannesburg household

Selecting the appropriate combined plan depends on household size, ages and routine healthcare needs. Young families often prioritise strong day-to-day benefits for children's GP visits and immunisations, while older adults may prefer higher hospital limits. Use the steps below to compare options and estimate likely monthly costs.

Step-by-step selection guide

1. Inventory routine care: Count expected GP visits, dental check-ups and eyewear needs per year.
2. Assess hospital exposure: Consider any planned procedures or occupational risks that could require in-hospital care.
3. Compare plan options: Review combined plan inclusions and limits and how they fit your monthly budget.

Provider network and using your plan in Johannesburg

Affinity Health provides access to a wide network of hospitals, clinics and healthcare practitioners. Find suitable clinicians and locations near you using our provider directory to ensure convenient care when you need it. Search providers and locations on the Find a provider page. For information about in-hospital coverage and how authorisations work, consult the Hospital plan details.

Plan options at a glance

• Standard Range: Core combined plan option for most working-age adults.
• Innovator range: Alternative combined plan options with different benefit mixes for individuals aged 18-54; compare the available Innovator plans on our range page.
• Junior and Senior options: Dedicated plans for children (0-17) and adults 55+, with day-to-day and hospital combinations suited to those age groups.

Compare plan options, then get a quote online to see specific monthly premiums for your household composition. If you want to compare plan options side-by-side, use our online comparison tools and then join now when you’ve selected the best fit for your budget and needs.

Why Johannesburg residents choose Affinity Health

• Budget-friendly combined plan choices that prioritise core benefits.
• Access to an extensive provider network across the city and surrounding areas.
• Clear plan summaries so you know what is included and where limits apply.

Sources

• Affinity Health - Combined Plan information
• Affinity Health - Day-to-Day cover
• Affinity Health - Hospital plan guide
• National Department of Health South Africa - Official information