Affordable comprehensive health cover in South Africa that balances routine care and major events

Affinity Health offers combined plan options designed for South Africans who want dependable protection without high monthly costs. A combined plan pairs routine out-of-hospital benefits (GP visits, basic dentistry and acute medicines) with hospital protection for admissions, theatre and ward fees and approved in-hospital procedures. This approach helps households and professionals manage both everyday healthcare and larger medical costs with predictable monthly budgeting.

Who benefits most from combined cover?

• Young professionals seeking budget-conscious protection against unexpected hospital events while keeping GP access for minor illnesses.
• Families with children who need regular GP visits, immunisations and dental care plus solid hospital protection for accidents or surgery.
• Retirees wanting a straightforward plan that covers in-hospital treatment and selected outpatient needs without complex paperwork.

Core components of a combined plan

• Day-to-day benefits: GP consultations, basic dentistry, optometry network access and acute medication allowances.
• Hospital benefits: In-hospital admissions, theatre and ward fees, approved clinician fees and in-hospital diagnostics or procedures.
• Support services: Remote consultations and Emergency Medical Response coordination where applicable.

Plan groups and who they suit

• Affinity Junior (ages 0-17): Day-to-day, hospital or combined options focused on child health needs - ideal for families with young dependants. See juvenile plan details here.
• Standard Range (ages 18-54): Entry-level combined plans that balance everyday care and in-hospital protection for working adults. Explore day-to-day inclusions on this page.
• Affinity Senior (55+): Combined and hospital options tailored for older adults, with clear benefit descriptions and accessible pricing.
• Innovator Range (18-54): Multiple combination plan options with varied benefit levels for individuals who want specific balances between day-to-day and hospital cover.

Benefit highlights and comparison points

If you want to compare straightforward combined options, start by listing the routine services you use most and the maximum in-hospital protection you would want. Then get a personalised quote and compare plan options to match your monthly budget and expected usage.

Ready to explore plan choices? Get a quote now and compare plans to find a budget-friendly fit for your household composition.

How to choose the right combined plan for your household

Choosing the right combined plan depends on ages in your household, typical GP usage, planned procedures and how much you prefer predictable monthly costs. Below is a practical selection guide and South Africa-specific use cases to help you decide.

Step-by-step selection guide

1. Inventory routine needs: Count expected GP visits, dental check-ups and eyewear replacements per year.
2. Estimate hospital exposure: Consider activities or jobs that increase accident or surgical risk.
3. Compare plan options: Use sample benefit comparisons and request a personalised quote to see monthly costs.
4. Decide on excess and co-payment preferences to balance lower premiums with out-of-pocket exposure for minor events.

South African use cases (scenarios to guide selection)

• Young couple working in the city: Prioritise strong day-to-day benefits for GP access and remote consultations, with medium hospital limits for unexpected operations.
• Family with young children: Higher day-to-day allowances for frequent child GP visits and dental checks, combined with hospital cover for accidents and surgical care.
• Older adult approaching retirement: Emphasise in-hospital protection and clear definitions of in-hospital procedures.

Provider access and practical steps

Affinity Health provides plan options with access to a nationwide provider network. Use the provider finder to locate participating healthcare practitioners and hospitals in your area before you enrol: Find a provider. For hospital choices, see the list of participating facilities and coverage rules Find a hospital provider.

If you want a plan with a specific balance of day-to-day and hospital benefits, review the combined plan options and the Innovator range to compare how different benefit mixes match your needs: Compare combined plans and see Innovator choices.

Sources

• Affinity Health - Combined Plan overview
• Affinity Health - Day-to-day cover details
• National Department of Health - South Africa
• Statistics South Africa - Health indicators