Why choose a combined health plan in Johannesburg

A combined health plan bundles day-to-day care with in-hospital protection so households can manage routine GP visits, basic dentistry and acute medicines while also guarding against large hospital bills. For individuals, families with children, young professionals and retirees in Johannesburg, a combined plan provides predictable monthly budgeting and access to private care when it matters most.

Core benefits of a combined plan

• Day-to-day benefits: GP consultations, basic dental care and optometry access for routine needs.
• Hospital benefits: Admissions, theatre and ward fees, approved clinical practitioner fees and in-hospital procedures.
• Support services: Remote consultations and Emergency Medical Response coordination when required.

Affinity Health offers combined plan options designed for different life stages. Young professionals often prioritise strong day-to-day cover for routine care and remote consultations, while families may prioritise broader day-to-day limits alongside solid hospital protection. Retirees commonly choose higher in-hospital limits to reduce out-of-pocket exposure for major events.

How Affinity Health’s combined plans work

A single monthly premium covers both out-of-hospital and in-hospital events under one plan option. Benefits are pre-defined, with clear limits for routine services and set hospital cover rules for admissions and procedures. To learn more about how day-to-day benefits complement hospital protection, see our day-to-day plan details here and hospital plan features here.

Plan options for Johannesburg lifestyles

• Single professionals: Prioritise day-to-day limits and remote consultations for convenience.
• Young families: Choose generous day-to-day benefits for child GP visits and routine dental care plus mid-level hospital protection.
• Retirees and older adults: Emphasise higher in-hospital cover with sufficient day-to-day benefits for routine checks.

Provider access and practical use in Johannesburg

Affinity Health members can find participating hospitals and providers across Gauteng. Use the provider search to check available hospitals and clinicians near you: Find a Hospital Provider. Knowing which hospitals accept your plan helps you plan care with confidence.

Choosing the best combined health plan for your needs

Selecting the right combined plan depends on household composition, expected routine visits and your tolerance for out-of-pocket costs during a hospital admission. Follow a simple decision process to compare options and get a personalised quote.

Step-by-step selection guide

1. Estimate routine use: Count expected GP visits, dental checks and eyewear needs per year.
2. Assess hospital risk: Consider any planned procedures or occupational risks that may increase the chance of admission.
3. Compare plan options: Look at day-to-day limits, hospital admission rules and any co-payment structures.
4. Get a quote: Request a clear monthly premium and summary of key exclusions and waiting periods.

Example comparison table

How to get started

Compare combined plan options and request a quote online to see precise monthly premiums and waiting periods. You can compare combined plans and their inclusions on Affinity Health’s combined plan page: Compare combined plans. For specific day-to-day benefit details, review the day-to-day plan overview here.

Sources

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