Health cover built for couples who want predictable monthly costs and strong protection

A combined day-to-day and hospital plan for couples balances routine healthcare - GP visits, basic dentistry and acute medicines - with in-hospital protection for surgery, ward and theatre fees. Affinity Health focuses on affordable Health Insurance options that help young professionals, families planning for the future, and retirees maintain access to private care while keeping monthly premiums manageable.

What a combined plan includes for couples

• Day-to-day benefits: GP consultations, basic dentistry and optometry access under defined limits.
• Hospital benefits: Coverage for in-hospital admissions, theatre and ward fees, and approved in-hospital procedures.
• Support services: 24/7 Emergency Medical Response coordination and remote consultations with a Healthcare Practitioner when available.

Couples often combine one member's higher day-to-day needs (for example, frequent GP visits) with the other's stronger hospital needs (for example, planned surgery). A single combined plan can streamline administration and billing while reducing the chance of unexpected large out-of-pocket bills during hospital events.

How Affinity Health keeps couple plans affordable

• Plan options that separate day-to-day and hospital benefits so you choose the right balance for your monthly budget.
• Simple product range focused on core benefits and low administrative overheads to reduce premiums.
• Clear excess choices and benefit definitions to help you forecast likely out-of-pocket costs for planned procedures.

Typical couple priorities and recommended approach

• If you regularly visit a Healthcare Practitioner, prioritise stronger day-to-day benefits for consultations and basic dentistry.
• If one partner faces surgical risk or upcoming procedures, prioritise higher hospital limits and admission cover.
• Consider the balance of monthly premium versus potential one-off hospital costs when selecting excess and benefit levels.

Comparison at a glance

For specific benefit limits and the latest pricing for couples, review current pricing and plan premiums on our site to compare options that match your household budget.

Choosing the right combined plan for your household

Selecting a plan comes down to your expected use of routine care, any planned procedures, and how much you can comfortably pay each month. Start by listing annual GP visits, dental check-ups and any scheduled surgeries, then match those needs to a combined plan option.

Step-by-step selection guide for couples

• Itemise routine care needs for both partners for the next 12 months.
• Identify any planned admissions or known procedures and prioritise hospital limits accordingly.
• Compare sample monthly premiums and excess choices on the current pricing page to estimate total annual cost.

Practical South African scenarios

• Young professional couple: May prioritise strong day-to-day benefits for preventive care and quick GP access.
• Couple approaching retirement: May focus on higher hospital protection to limit exposure to major procedure costs.

When you are ready to confirm plan detail for couples, compare the hospital benefit specifics and provider access on our hospital plan page hospital plan features. Use the provider finder to confirm convenient private hospital and practitioner access near you: find a hospital provider.

Questions to resolve before applying

• Which partner requires stronger day-to-day benefits and which requires higher hospital limits?
• Are there upcoming planned procedures that should influence hospital benefit selection?
• What monthly premium fits your joint budget, and how does that compare to potential one-off hospital expenses?

Sources

• Affinity Health - Combined Plan
• Affinity Health - Day-to-Day Cover
• Affinity Health - Hospital Plan
• National Department of Health - South Africa