Combined cover that balances everyday care and in-hospital protection

Residents of KwaZulu-Natal seeking an affordable day-to-day and hospital plan can choose a single solution that covers routine consultations and protects against large in-hospital costs. Affinity Health offers combined plan options designed for young professionals, growing families, and retirees who want reliable Health Insurance that keeps monthly budgeting predictable while maintaining access to private care.

What a combined plan includes

• Day-to-day benefits: GP consultations, basic dental and optometry network access, and acute medicines subject to benefit limits.
• Hospital benefits: In-hospital admissions, theatre and ward fees, approved in-hospital clinical fees and in-hospital procedures.
• Support services: Virtual consultations with a healthcare practitioner and Emergency Medical Response coordination when required.

How Affinity Health structures combined options for KwaZulu-Natal

Affinity Health presents combined plan options across multiple plan groups: the Standard Range for adults 18-54, the Innovator range with a wider set of combination plans, Junior plans for children 0-17, and Senior plans for those 55 and older. Group Cover is available exclusively for employer groups. Each plan clearly separates day-to-day limits and hospital limits so you can choose which areas to prioritise for your household.

Key benefits for KwaZulu-Natal households

• Predictable monthly cost: One premium covers routine consultations and in-hospital events, simplifying household budgeting.
• Access to private providers: Use Affinity Health's provider listings to find hospitals and clinicians across the province.
• Age-appropriate plan options: Junior and Senior plans offer benefit designs suited to specific life stages.

Find plan details and benefits on Affinity Health's pages: Day-to-Day Cover, Hospital Plan and the Combined Plan overview for plan comparisons and benefit tables.

Choosing the right combined plan for your family in KwaZulu-Natal

Select a plan based on household composition, typical use of primary care, and tolerance for out-of-pocket payments at the time of admission. Young families often benefit from stronger day-to-day limits to cover frequent child visits, while older adults may prioritise higher in-hospital limits for surgical and admission-related costs.

Step-by-step selection guide

• Estimate routine use: Count expected GP visits, dental check-ups and eyewear needs per year.
• Consider risk profile: Factor in any planned procedures, high-risk activities or chronic condition monitoring.
• Compare combined plans: Review day-to-day limits alongside hospital limits to understand overall exposure.

Comparison table - what to expect

Provider access and support

Affinity Health maintains provider listings so you can locate participating hospitals and clinicians across KwaZulu-Natal. Use the provider search to confirm where your plan can be used and to plan for admissions or outpatient consultations. Find hospital providers via the provider directory to check facility access before you need care: Find a Hospital Provider. For non-hospital clinicians and day-to-day network options, use the general provider search: Find a Provider.

Next steps - compare plans and get a quote

Compare combined plan options on the combined plan page and request a personalised quote to understand exact costs for your household. If you are choosing between plan groups, review the Innovator range for broader combination options or the Standard Range for core, lower-cost solutions. Explore the Innovator range here: Innovator Range.

Sources

• Affinity Health - Combined Plan details
• Affinity Health - Day-to-Day Cover
• National Department of Health South Africa - Health information
• Statistics South Africa - Health indicators and population data