What a combined health plan offers Free State residents

A combined health plan bundles day-to-day benefits (GP consultations, basic dentistry, optometry access and acute medicines) with hospital protection for admissions, theatre and ward fees, and approved in-hospital procedures. For people in the Free State - young professionals, families with children and retirees - a combined option simplifies monthly budgeting while providing broader protection against large medical bills.

Who benefits most in the Free State

• Young families who need regular GP access and childhood care alongside hospital protection for accidents.
• Working professionals seeking routine care without compromising on in-hospital emergency cover.
• Retirees wanting dependable in-hospital limits with some day-to-day consults for ongoing wellness.

Core components to compare

• Day-to-day benefits: consultation caps, basic dentistry and optometry access.
• Hospital benefits: in-hospital admissions, theatre fees and approved clinician costs.
• Co-pay and excess structure: options that affect monthly premiums and out-of-pocket exposure.

Affinity Health offers combined plans across plan groups targeted to different age groups and needs. Review the Combined plan options to see which mix of day-to-day and hospital benefits aligns with your household. For a focused look at routine care features, see the Day-to-Day plan details.

Explore the full Combined plan details on our site: Affinity Health - Combined plan. To compare what is included in routine care, review our Day-to-Day plan page: Day-to-Day plan.

Quick comparison - what to prioritise

• Family size: more dependants increases the value of stronger day-to-day benefits.
• Age profile: older members typically need higher hospital limits.
• Planned care: if you expect surgeries or procedures, prioritise hospital limits and in-hospital procedure cover.

How provider access works in the Free State

Affinity Health maintains a network of private hospitals and healthcare practitioners accessible across provinces. Use the provider search to confirm availability near you before deciding on a plan level - find nearby hospitals and practitioners through our provider tools.

Choosing the right combined plan for your Free State household

Selecting the right plan means balancing monthly premium with expected out-of-pocket visits and potential hospital risk. Start by listing how many GP visits, dentist appointments and eyewear needs your household has per year, then match those needs to day-to-day limits while ensuring hospital limits cover major events.

Step-by-step selection guide

1. Inventory routine needs: estimated GP and dental visits, and any planned procedures.
2. Estimate hospital exposure: consider likely admissions or surgical procedures for household members.
3. Compare combined options: look at the day-to-day visit caps, hospital in-patient limits and co-payment structures.
4. Confirm provider access: verify nearby hospitals and healthcare practitioners using the provider search.

Plan comparison - concise table

Practical steps to get started

• Compare combined plan summaries and benefit tables for the Standard, Innovator or relevant plan group.
• Use the online quote tool to compare options and projected monthly premiums.
• Confirm provider availability in your area via the provider search before finalising your choice.

Ready to compare plans and pricing? View combined plan options and proceed to get a quote or join now through our Combined plan page: Compare combined plans. For an overview of in-hospital benefits, see our Hospital plan explanation: Hospital plan details.

Sources

• Affinity Health - Combined plan
• Affinity Health - Day-to-Day plan
• National Department of Health South Africa - programmes and guidance
• Statistics South Africa - health indicators