Practical combined cover that keeps everyday care and major events affordable

An affordable day-to-day and hospital plan should give you predictable monthly budgeting for routine healthcare while protecting you from large in-hospital expenses. Affinity Health offers plan options that speak directly to young professionals, families with children and retirees who need reliable Health Insurance without high premiums. Our combined plans bundle day-to-day benefits with in-hospital protection so you can manage both frequent GP visits and unexpected admissions in one budget-friendly solution.

What a combined plan covers

• Day-to-day benefits: GP consultations, basic dentistry, optometry network access and acute medicines as defined by the plan.
• Hospital benefits: Admissions, theatre and ward fees, approved in-hospital procedures and in-hospital imaging where included.
• Support services: Remote consultations and Emergency Medical Response coordination for urgent situations.

Why combine day-to-day and hospital cover?

Combining these benefits reduces the chance that routine care costs are skipped and removes uncertainty if a serious illness or accident requires hospital treatment. Families often choose combined plans to secure both preventive access for children and immediate financial protection for major events. Compare Affinity Health's combined plan options to match benefit levels with your monthly budget and household needs.

Explore the day-to-day benefit structure and service details on our Day-to-Day page: Affinity Health - Day-to-Day Cover. If you prefer a single plan focused on both types of care, see our combined options: Affinity Health - Combined Plan.

Key features families and professionals value

• Predictable monthly premiums and defined co-payment or excess choices to suit a household budget.
• Access to a wide provider network for consultations, procedures and in-hospital care.
• Remote consultations for quick clinical advice without leaving home, reducing time off work or school.

Choose a combined plan when you want the convenience of one policy that addresses both routine care and in-hospital events. Use the combined plan details to check which services are included and what waiting periods apply.

Selecting the right combined plan for your household

Picking the right level depends on family size, ages and how often you access care. Young families often prioritise stronger day-to-day benefits for frequent child consultations, while older adults may want higher hospital limits. Below is a simple decision guide and a practical comparison to help you decide.

Step-by-step selection guide

• Itemise routine needs: estimate GP visits, dental check-ups and optical needs per year.
• Consider planned care: factor in any known upcoming procedures or maternal care needs.
• Match to plan options: weigh monthly premium against likely out-of-pocket exposure for each option.

Benefit breakdown - how to compare

South African use cases

• Young couple starting a family: prefer strong day-to-day benefits for child healthcare plus mid-level hospital limits for maternity and emergencies.
• Working professionals: prioritise remote consultations for weekday access and solid hospital protection for unexpected surgical events.
• Retirees: increase hospital limits to reduce exposure to large admission bills while keeping moderate day-to-day benefits for routine checks.

Ready to compare plans and get a personalised quote? View hospital benefit details here: Affinity Health - Hospital Plan. To find a nearby provider in our network, use the provider finder: Find a Hospital Provider.

Next steps and how to proceed

• Compare combined plan options and benefit levels to match your budget and likely care needs.
• Request a quote online and review the plan document for benefit limits and waiting periods.
• When ready, join now and manage your policy through online tools for straightforward claims and queries.

Sources

• Affinity Health - Combined Plan details
• National Department of Health South Africa - official information
• Statistics South Africa - health and demographic indicators
• World Health Organization - South Africa country profile