Find the best combined health plan for families

A combined health plan brings day-to-day care and hospital protection together in one budget-friendly plan. For families, this means routine GP visits, basic dental and optical benefits plus in-hospital cover for surgeries, theatre and ward fees are managed under one policy. Affinity Health designs combined plans to suit young professionals, parents with children and retirees seeking practical, lower-cost health insurance in South Africa.

Why choose a combined plan for your family?

• Predictable monthly expenses for both routine care and in-hospital events.
• Convenience of a single plan to manage claims and benefits for every family member.
• Access to a provider network that helps reduce delays in treatment and approvals.

What typical family benefits look like

• Day-to-day: GP consultations, basic dentistry, optometry benefits and acute medicines.
• Hospital: In-hospital admissions, theatre and ward fees, approved clinician fees and inpatient procedures.
• Support: Remote consultations with a healthcare practitioner and emergency medical response when required.

Affinity Health offers combined plan options designed for different life stages. Review the detailed plan descriptions and benefit lists on our Combined Plan page. If your family needs stronger out-of-hospital support for frequent GP visits, compare day-to-day benefits on our Day-to-Day Plan overview.

How families use a combined plan

• Young parents prioritise day-to-day benefits for child healthcare while keeping solid in-hospital protection for accidents and surgeries.
• Dual-income households choose balanced combined plans to manage both regular care and unexpected admissions with one monthly premium.
• Retirees on a budget may select plan options that keep hospital limits higher and day-to-day benefits focused on essential GP consultations.

Comparison at a glance

To compare benefits side-by-side and choose the best combined health plan for families like yours, use the combined plan page above and run a personalised quote. Get started with a quick estimate and compare plan options that match your household composition.

Choosing the right combined plan for your household

Selecting the right plan depends on family size, ages and routine healthcare needs. Follow a simple decision path: prioritise must-have benefits, estimate expected GP visits and planned procedures, then compare plan options that align with your monthly budget and preferred co-payment levels.

Step-by-step selection guide

• List normal usage: Count expected GP visits, dental checks and eyewear needs each year.
• Estimate risk exposure: Consider sports, work hazards or planned operations that might lead to hospital admissions.
• Match plan options: Choose a combined plan with day-to-day limits and hospital benefits that reduce out-of-pocket risk for major events.

Provider access and practical steps

Check where your family can access care by searching our provider listings. Use the hospital provider finder for in-hospital treatment locations and to understand which private hospitals are available in your area: Find a Hospital Provider. For routine out-of-hospital services, find local healthcare practitioners at: Find a Provider.

South African use cases (practical scenarios)

• Young family: prioritise higher day-to-day limits for frequent child visits, combined with mid-level hospital protection for accidents.
• Two-adult household: balanced combined plan with sufficient hospital limits for surgery and adequate day-to-day visits for preventive care.
• Older couple: emphasise hospital benefit levels with day-to-day benefits focused on essential consultations.

Ready to compare plans? Visit the combined plan page to view benefit summaries and then get a quote to see monthly premiums that match your family structure. If you want to review alternative day-to-day or hospital-only options before deciding, check the dedicated plan pages linked earlier.

Next steps and how Affinity Health helps

• Review combined plan details to confirm benefit limits and waiting periods.
• Request a personalised quote to compare monthly premiums and excess choices.
• Use the provider finders to confirm access to preferred hospitals and healthcare practitioners near you.

Get a quote today and compare plan options to determine which combined plan is the best fit for your family’s needs and budget. Start with the combined plan overview, then fine-tune based on age and expected healthcare usage.

Sources

• Affinity Health - Combined Plan
• Affinity Health - Day-to-Day Plan
• National Department of Health South Africa - Official information
• Statistics South Africa - Health indicators