Why choose the best combined health plan for family needs

A combined health plan bundles day-to-day benefits with in-hospital protection so families can manage routine healthcare while staying guarded against large hospital bills. Affinity Health focuses on accessible, budget-friendly plan options for young professionals, families with children, and retirees across South Africa. A combined plan helps you keep routine GP visits, basic dentistry and optical needs covered, while ensuring theatre, ward and approved in-hospital practitioner fees are taken care of when needed.

Core benefits breakdown

• Day-to-day care: GP consultations, basic dental and optical network access, and acute medicines as specified by the plan.
• Hospital cover: In-hospital admissions, theatre and ward charges, approved in-hospital practitioner fees, and procedures performed during a hospital stay.
• Remote consultations: Access to virtual consultations for quick clinical advice and follow-up where offered by the plan.

Who benefits most

• Young families who need regular GP access and predictable monthly costs for children’s care.
• Dual-income households balancing routine appointments with protection for unexpected surgery.
• Older adults who want in-hospital protection but also need routine outpatient access for screenings and chronic management.

How Affinity Health’s combined plans are structured

Affinity Health offers combined options across core plan groups so you can choose the plan option that matches your household’s ages and needs. The Standard Range covers adults 18-54 with one combined plan option; Affinity Junior provides combined cover for children 0-17; Affinity Senior includes combined cover for those 55+; and the Innovator range includes multiple combination plan options for individual customers. Group Cover is only available for employer groups.

Learn more about specific day-to-day inclusions on our Day-to-Day Plan and the scope of in-hospital benefits on our Hospital Plan. For an overview of combined options, see our Combined Plan page.

Compare plan options and choose what fits your budget

Selecting the best combined health plan for family use comes down to assessing routine visit frequency, likely in-hospital risk and monthly affordability. Use the following comparison points to weigh options and choose the right plan option.

Comparison checklist

• Day-to-day limits and visit allowances - higher limits suit families with young children.
• In-hospital benefit limits and claim rules - ensure the plan covers likely procedures for your household.
• Excess and co-payment structure - selecting a higher excess can lower monthly premiums but increases out-of-pocket exposure at claim time.
• Waiting periods for selected benefits - check the plan wording for any waiting periods that apply to maternity or other services.

Practical steps to decide

1. List expected routine needs for the next 12 months (GP visits, dental, spectacles).
2. Identify any planned procedures or known health risks that might require in-hospital care.
3. Compare combined plan options focusing on day-to-day limits and in-hospital benefit values.
4. Request a personalised quote and review the plan document for waiting periods and exclusions.

South African use cases - what to prioritise

• Households with young children: prioritise day-to-day visit allowances and basic dental/optical benefits.
• Working couples with active lifestyles: balance moderate day-to-day cover with strong in-hospital protection for injuries.
• Retirees: consider higher in-hospital benefit limits while keeping day-to-day access for routine monitoring.

Provider access and using your plan

Affinity Health maintains a broad provider network so family members can access private healthcare regionally. Check participating providers near you using our provider finder and confirm in-hospital practitioner and facility participation prior to planned procedures. Use the provider lookup to locate a convenient facility or clinician.

Find a Provider • Find a Hospital Provider

Next steps - get a quote and compare plans

To identify the best combined health plan for family circumstances, request a quote, compare the combined plan option with single day-to-day or hospital options, and review the plan schedule carefully. Affinity Health’s plan options are designed to be budget-friendly while giving South African families practical protection for everyday care and major hospital events. Get an online quote and compare plan details to confirm the right fit for your household.

Sources

• Affinity Health - Combined Plan
• Affinity Health - Day-to-Day Plan
• Affinity Health - Hospital Plan
• National Department of Health South Africa - Health Programmes
• Statistics South Africa - Health indicators