Practical combined health cover for Gauteng residents

If you live or work in Gauteng and want dependable protection for everyday healthcare as well as in-hospital events, a combined health plan brings both under a single monthly payment. Affinity Health focuses on making private health insurance affordable and accessible for South Africans - with plan options that suit young professionals, growing families and retirees.

What a combined health plan delivers

• Day-to-day benefits: GP consultations, basic dentistry and optometry where included in the plan option.
• Hospital benefits: In-hospital admissions, theatre and ward fees, approved in-hospital procedures and prescribed in-hospital medicine.
• Practical support: Remote consultations with a Healthcare Practitioner and assistance with emergency medical response procedures when needed.

Why choose a combined plan in Gauteng?

Gauteng’s urban lifestyle often means quick access to private facilities, but also a higher risk of accidental injury and time-pressed families who need easy access to routine care. A combined plan reduces the chance that routine care costs force you to delay appointments, while ensuring protection from large in-hospital bills.

Affinity Health offers combined plan options designed for different budgets and household sizes. Compare the plan features and limits to decide what balances your monthly premium and expected use. Learn more about our combined offering on the Combined plan page.

Quick comparison - who benefits most

• Young professionals: Lower monthly cost with essential day-to-day cover and core hospital protection.
• Families with children: Strong day-to-day benefits for frequent GP visits plus hospital protection for serious events.
• Retirees: Higher hospital limits with day-to-day support for routine care and remote consultations with a Healthcare Practitioner.

How Affinity Health keeps combined plans budget-friendly

• Clear plan options so you choose the level of day-to-day and hospital benefits that fit your budget.
• Simple claims and support services to reduce administrative delays and help you access care quickly.
• Transparent waiting periods and policy rules so you know when specific benefits become available.

If you want to check what day-to-day benefits include in a combined option, see the Day-to-Day plan overview for detailed lists of consultations and basic dental and optometry benefits.

Compare plan features and make a practical choice

Use a side-by-side comparison of typical combined plan elements to spot gaps and overlaps. Below is a concise table to help you prioritise what matters most for your household in Gauteng.

Choosing the right option - a short checklist

• Household composition: Count adults and children and consider age-related risk.
• Healthcare use: Estimate annual GP visits, dental check-ups and any planned procedures.
• Out-of-pocket comfort: Decide how much you can pay on the day versus monthly premiums.

For detailed hospital benefit descriptions, including what in-hospital cover includes and exclusions, view the Hospital plan information. When you are ready to compare estimated monthly costs, check current premiums and pricing on our current premiums and pricing page.

Sources

• Affinity Health - Combined plan details
• Affinity Health - Day-to-Day plan overview
• Affinity Health - Hospital plan guide
• Statistics South Africa - Health indicators and population data