Combined Health Insurance that fits Sandton lifestyles

A combined Health Insurance plan provides both everyday healthcare benefits and in-hospital protection in a single, budget-friendly policy. For Sandton residents - young professionals, families with children and retirees - this means predictable monthly costs for GP visits, basic dental and optical care, plus cover for theatre, ward and approved in-hospital procedures when they matter most. Affinity Health offers combined plan options crafted for South Africans who want reliable protection without unaffordable premiums.

What a combined plan typically includes

• Day-to-day benefits: GP consultations, basic dentistry, optometry access and acute medicines within benefit limits.
• Hospital benefits: In-hospital admissions, theatre and ward fees, approved in-hospital procedures and selected scans performed in hospital.
• Support services: Phone or video consultations with a Healthcare Practitioner for minor concerns and pre-authorisation assistance for admissions.

Why Sandton households choose a combined plan

• Convenience: One policy covers routine care and serious in-hospital events for easier budgeting.
• Speed of access: Use private providers across the region for faster appointments and private-hospital access.
• Suitability: Ideal for families with children who need frequent GP visits, and professionals who require dependable hospital protection.

Affinity Health plan options at a glance

Affinity Health offers combined plans across several product lines to match age and household composition. Learn about combined plan features and which option aligns with your needs on the combined plan overview page: Affinity Health - Combined Plan. For families who prioritise strong day-to-day benefits, review day-to-day details here: Affinity Health - Day-to-Day Cover.

Provider access and network considerations

Choosing a combined plan also means confirming whether your preferred private hospitals and GPs are within the provider network. Use the provider locator to check common Sandton hospitals and clinics: Find a Hospital Provider. If you need a wider GP and clinic list, use the non-hospital provider finder for convenience.

Throughout this page you will find practical comparisons and steps to get a quote, compare plans and join - clear CTAs make it easy to get started or compare options for your Sandton household.

How to choose the right combined plan for your Sandton household

Selecting the right combined plan depends on family size, ages and typical healthcare usage. Young families often prioritise richer day-to-day benefits for frequent child visits, while older adults may want higher hospital limits. Use the steps below to compare plans and arrive at a confident decision.

Step-by-step selection guide

• Estimate routine needs: Count expected GP visits, dental check-ups and eyewear replacements per year.
• Identify hospital risk: Consider any planned procedures or activities with higher injury risk.
• Compare benefit summaries: Look at in-hospital inclusions, day-to-day visit caps and waiting periods.
• Decide on budget-friendly options: Choose excess levels and benefit balances that keep monthly premiums manageable while preserving core protection.

Comparing plans - concise checklist

• Day-to-day visit limits and what counts toward the cap.
• Definitions of in-hospital events and which procedures are covered in hospital.
• Waiting periods for specific services such as maternity or certain procedures.
• Claim processes and customer support availability for after-hours admissions.

Sandton-specific scenarios and use cases

• Busy professionals: A balanced combined plan with robust hospital limits and sufficient remote consultations for minor weekday concerns.
• Families with young children: Strong day-to-day benefits for regular GP visits and routine care, backed by hospital protection for accidents.
• Retirees living in Sandton: Emphasis on higher in-hospital benefits and clear information on waiting periods for planned procedures.

Next steps - compare and join

Ready to compare plans and get a personalised quote? Start on the Affinity Health homepage to explore options and request a quote: Affinity Health - Home. If you want to focus on day-to-day benefits first, revisit the day-to-day overview to weigh visit caps and included services: Day-to-Day Cover.

Sources

• National Department of Health - South Africa
• Statistics South Africa - Health indicators and population data
• World Health Organization - South Africa