Group Combined Health Plans Built for Employees

Employers need a clear, cost-effective approach to employee health cover. A combined plan brings day-to-day care and hospital protection together so teams have access to routine consultations, basic dental and optical benefits alongside in-hospital treatment for surgery or serious illness. Affinity Health offers group cover designed for employers who want dependable protection without placing a heavy monthly burden on payroll.

Why choose a combined plan for employees?

• Single administrative programme for both routine care and in-hospital events, simplifying claims and payroll management.
• Improved employee wellbeing with access to GP consultations, acute medicines and in-hospital cover for major procedures.
• Budget-friendly plan options that help employers manage costs while offering meaningful benefits.

Key benefit areas employers should assess

• Day-to-day benefits: GP consultations, basic dentistry and optical support for staff dependents where applicable.
• Hospital benefits: In-hospital admissions, theatre and ward fees, and approved in-hospital procedures.
• Access and support: Remote consultations with healthcare practitioners and Emergency Medical Response services when needed.

How Affinity Health supports employers

• Dedicated group cover plans with a clear set of benefit options and simplified administration.
• Nationwide provider access so employees can find an in-hospital provider or a local healthcare practitioner quickly.
• Practical guidance on plan selection and onboarding to reduce disruption and encourage early use of benefits.

Compare the group combined plan features and see how they align with your employee demographics - young professionals, families with children or older staff. Learn more about Affinity Health’s combined plan options on the Combined Plan page: Affinity Health - Combined Plan. For employer-specific programmes, review the group cover overview here: Affinity Health - Group Cover.

Quick benefits comparison table

Ready to compare plans for your employee group? Get a quote today and review projected contributions against your benefits budget. Employers can choose plan options that prioritise core benefits or broader day-to-day limits to support staff retention and wellbeing.

Selecting the Right Level for Your Workforce

Choosing the appropriate combined plan depends on workforce composition, typical healthcare use, and payroll capacity. Younger employee groups often value stronger day-to-day benefits; older groups may prioritise higher in-hospital limits. Follow a straightforward selection process to match benefits to needs.

Step-by-step plan selection guide

• Survey employees: Gather basic data on dependants, chronic conditions and frequent service use to estimate demand.
• Prioritise benefits: Decide whether day-to-day access or higher hospital limits matter most for productivity and staff morale.
• Compare quotations: Request formal quotes and model monthly employer contributions versus anticipated utilisation.
• Communicate clearly: Explain benefits, waiting periods and how to use remote consultations with healthcare practitioners.

Practical employer scenarios (no personal examples)

• Small businesses: Budget-friendly combined options that keep payroll predictable while offering essential cover.
• Medium-large employers: Broader combined plans with stronger day-to-day benefits to reduce absenteeism and support families.

Onboarding and ongoing management

• Clear policy documents and benefit summaries for staff.
• Orientation sessions explaining how to access benefits and use remote consultations.
• Regular reviews to align plan options with changing workforce needs.

Compare group combined plan options and join now to protect your employees. Employers can request an employer quote to review estimated monthly contributions and benefit details. For individual plan comparisons and plan descriptions, see Affinity Health’s day-to-day options: Day-to-Day Plan.

Sources

• Affinity Health - Group Cover overview
• National Department of Health South Africa - Health policy
• Statistics South Africa - Health indicators

Get a quote to compare plan options, join now to secure group protection, or contact us for a comparison to find the best combined plan for your employees.