Family-focused protection: day-to-day care plus in-hospital cover

A combination health plan brings routine healthcare and in-hospital protection together in one budget-friendly solution. For families this means easier monthly budgeting, fast access to primary care for children and adults, and cover for theatre, ward fees and approved clinician care when a hospital admission is needed. Affinity Health’s combined plan options are designed for individuals, young professionals, families with children and retirees across South Africa.

What a combined plan typically includes

• Day-to-day benefits: GP visits, selected basic dentistry, optometry access and acute medicines up to set limits.
• Hospital benefits: In-hospital admissions, theatre and ward fees, approved clinician fees and in-hospital procedures.
• Support features: Remote consultations for minor concerns and Emergency Medical Response coordination when required.

How families use a combined plan

Young families value strong day-to-day cover for frequent child appointments and immunisations while keeping meaningful hospital protection in place. Dual-income households often prioritise convenient remote consultations for weekday concerns plus dependable in-hospital benefits for major events. Retirees may focus on higher hospital limits with sufficient day-to-day access for routine check-ups.

Benefit comparison - why combine?

For a practical overview of routine benefits, visit the day-to-day plan page and compare what fits your household needs: Day-to-day plan. This helps you decide how much everyday access you want alongside hospital protection.

Throughout the application process, use online quotes to compare options and plan choices. Common calls-to-action families use include Get a quote, Compare plans and Join now to lock in cover quickly.

Choosing the right level for your family

Select a combined plan based on family size, ages, and expected routine usage. Consider the number of annual GP visits, planned procedures, and any higher-risk activities that might increase the chance of hospital admission. Affinity Health provides clear plan options that let you balance routine benefits and in-hospital protection while keeping premiums manageable.

Step-by-step selection guide

• Estimate routine needs: Count expected GP and dental visits, plus eyewear and acute medicines each year.
• Set hospital priorities: Decide on the level of in-hospital cover you need for theatre and ward fees and approved clinician care.
• Compare combined options: Use online quotes and the combined plan details to compare monthly cost against benefits.

Practical considerations for South African families

• Children: Prioritise strong day-to-day cover for frequent GP appointments and immunisations.
• Working adults: Remote consultations can reduce time off work for minor issues and help manage care efficiently.
• Older family members: Higher in-hospital limits reduce the risk of large bills from major procedures.

Provider access and using your plan

Affinity Health gives access to a large provider network of private hospitals and primary care clinicians across South Africa. Before a planned admission, confirm the hospital and clinician arrangements listed in your plan documentation and check in-network locations using the provider finder: Find a hospital provider. For non-hospital clinicians and GP locations, use the general provider finder: Find a provider.

How to apply and what to expect

1. Get a quote online for the combined plan that fits your family composition.
2. Complete the application with member details and beneficiary information.
3. Await confirmation; cover typically begins according to the policy start date communicated after approval.

Ready to compare combined plan options? Get a quote and compare plans on the Affinity Health homepage to see which option matches your family budget and needs: Affinity Health homepage. Use the combined plan page to join now or to review detailed inclusions and exclusions.

Sources

• Affinity Health - Combined Plan overview
• Affinity Health - Hospital plan information
• National Department of Health South Africa - health services
• Statistics South Africa - health statistics