Why choose the best combination health plan

A combination health plan brings day-to-day benefits together with hospital cover in one budget-friendly plan. For young professionals, families with children and retirees, this structure reduces the chance of skipping routine care while ensuring protection from large in-hospital bills. Affinity Health has plan options that make private Health Insurance accessible and reliable for South Africans.

What a combination plan includes

• Day-to-day benefits: GP consultations, basic dentistry and optometry network access where specified.
• Hospital protection: In-hospital admissions, theatre and ward fees, approved medical practitioner fees and in-hospital diagnostics or procedures.
• Support services: 24/7 telehealth consultations and emergency medical response coordination as part of selected plan options.

Affinity Health offers combination plans across several plan groups, including the Standard Range for 18-54 year olds, the Innovator range for alternative plan options, Junior cover for children 0-17 and Senior cover for members 55+. Group Cover is available for employer groups. Explore how a combined approach suits different life stages and budgets.

How combination plans improve affordability

• Consolidated premium: One monthly premium handles routine care plus in-hospital events for predictable budgeting.
• Plan options: Choose levels of day-to-day and hospital benefits that match your household needs.
• Controlled out-of-pocket exposure: Select excess and benefit limits to balance monthly cost with protection for major events.

Comparison at a glance

For details on day-to-day inclusions and how they work with your combined plan, view the Day-to-Day page: Affinity Health - Day-to-Day Cover. This helps you compare expected routine care needs against hospital protection levels.

Choose the best combination health plan for your situation

Selecting the best combination health plan depends on family size, ages and typical healthcare use. Young families often prioritise strong day-to-day benefits for child healthcare, while older members may prioritise higher hospital limits. Below are practical steps to decide.

Step-by-step selection guide

• Count routine needs: Estimate annual GP visits, dental checks and eyewear replacements for your household.
• Assess risk exposure: Consider planned surgical procedures or occupational risks that could lead to hospital admission.
• Match plan options: Compare combined plan levels and expected out-of-pocket exposure for each option.

Practical considerations for South African households

• Families with young children: Prioritise day-to-day benefits for immunisations and frequent GP visits.
• Working professionals: Lean towards balanced plans with telehealth consultations for quick medical advice during work hours.
• Retirees and older adults: Consider stronger hospital protection and carefully review waiting periods for specific procedures.

To understand in-hospital cover specifics and provider access, review the Hospital Plan page: Affinity Health - Hospital Plan. You can also check network locations to find participating hospitals and healthcare practitioners here: Find a Hospital Provider.

Estimating monthly cost

Monthly premiums vary by age and plan option. Because affordability is central, compare the combination plan options available for your household and consider higher day-to-day levels if you expect frequent GP visits. For Innovator plan alternatives for individuals aged 18-54, see the Innovator range: Affinity Health - Innovator Range.

Sources

• Affinity Health - Combined Plan
• Affinity Health - Day-to-Day Cover
• Affinity Health - Hospital Plan
• National Department of Health South Africa - Official information
• Statistics South Africa - Health indicators