Why employers choose a combination health plan for employees

A combination health plan for employees blends routine out-of-hospital benefits with in-hospital protection in one budget-friendly package. For employers and HR teams this approach reduces administrative complexity, improves workforce wellbeing, and helps manage absence due to illness or injury. Affinity Health’s Group Cover offers combination plan options designed specifically for groups and working-age adults, making it straightforward to provide meaningful health cover to employees without the high premiums often associated with larger schemes.

Key advantages for employers and employees

• Consolidated administration: One plan covers both routine consultations and in-hospital events, simplifying claims and payroll deductions.
• Workforce wellbeing: Day-to-day benefits promote preventive care and quick treatment for minor conditions, helping employees stay productive.
• Financial protection: In-hospital benefits reduce the risk of large, unexpected medical expenses for staff facing surgery or admission.

What Group Cover includes

Affinity Health’s Group Cover range includes eight combination plans that combine day-to-day care with in-hospital protection. Plans are available to employer groups (not to retail customers) and are structured to give working-age adults accessible benefits while keeping contributions manageable. You can compare plan options and features and get an employer quote to see which configuration meets your budget and workforce needs.

Learn more about Group Cover details and eligibility on the Group Cover page: Affinity Health - Group Cover. If you want to review how combined plans work for individuals for benchmarking, see the combined plan information here: Affinity Health - Combined Plan.

Typical employer benefits and administration

• Central billing and premium collection through payroll or employer invoicing.
• Standardised plan options across employee groups, with consistent eligibility rules.
• Access to a nationwide network of hospitals and approved healthcare practitioners for in-hospital care and routine services.

If you’re ready to evaluate options for your workforce, start with a comparative review and request a group quote to receive costed plan options and member inclusion criteria. Get started on the Affinity Health homepage: Affinity Health - Homepage.

Selecting the right combination plan for your workforce

Choosing the best-combination-health-plan-for-employees depends on employee demographics, common health needs, and the employer budget. Use a short, evidence-based process to match plan features to workforce risk and expected utilisation.

Step-by-step selection guide for HR

• Survey workforce profile: Age bands, common job risks, and typical absence causes.
• Prioritise benefits: Decide whether stronger day-to-day access or higher in-hospital limits matter more for your staff mix.
• Compare plan options: Review the eight Group Cover combination plans and their benefit lists to balance contribution levels with clinical protection.
• Request a group quote and implementation timeline from Affinity Health to understand costs and onboarding steps.

Feature comparison - illustrative view

Rollout and employee communication

1. Choose a plan option and confirm contribution levels with payroll.
2. Provide clear member guides explaining day-to-day use and in-hospital procedures.
3. Share the provider finder link so employees can identify approved healthcare practitioners and hospitals: Find a provider.
4. Schedule an onboarding session and distribute membership cards and claim instructions.

Affinity Health’s Group Cover is purpose-built for employers who want straightforward combination protection for employees. To compare plan options for your business and receive a formal group quote, request an employer proposal or compare plans directly: Get a group quote or Compare combined plan features.

Sources

• Affinity Health - Group Cover details
• Affinity Health - Combined Plan overview
• National Department of Health South Africa - official information
• Statistics South Africa - health indicators