Practical combined health cover for people in the North West

A combined plan brings day-to-day care together with in-hospital protection so routine visits and major medical events are managed under one monthly cost. Affinity Health focuses on budget-friendly Health Insurance options for South African individuals, families with children, young professionals and retirees. In the North West province, this approach helps households access private primary care for common conditions while preserving financial protection for admissions, surgery or other hospital treatments.

Core components of a combined plan

• Day-to-day benefits: cover for GP consultations, basic dentistry, optometry network access and acute medicines through set benefit limits.
• In-hospital benefits: cover for ward and theatre fees, in-hospital procedures, approved clinical practitioners and selected diagnostic tests performed during an admission.
• Support services: remote consultations for immediate clinical advice and organised Emergency Medical Response when required.

Who in the North West will benefit most?

• Young professionals seeking regular GP access for minor illnesses and preventive care while protecting against unexpected hospital bills.
• Families with children who need reliable day-to-day cover for paediatric visits plus hospital protection for serious events.
• Retirees who want straightforward hospital protection combined with limited out-of-hospital benefits for routine care.

Affinity Health offers combined plans across several product groups: the Standard combined plan for working-age adults (18-54), one combined option in the Junior range (0-17), one combined option in the Senior range (55+), multiple combination plans in the Innovator range, and dedicated combination plans for groups. Learn how a combined plan compares to separate products on our Combined Plan page and see the day-to-day inclusions on the Day-to-Day page.

Get plan details and compare combined options or review day-to-day benefit limits to understand routine care cover here.

Benefit breakdown - what to expect

If you want to evaluate access to providers near you, use our provider search to find in-province clinicians and hospitals before choosing a plan.

Find a provider near you

Why Affinity Health combined plans suit North West residents

Affinity Health has focused on making private care accessible and budget-friendly. Combined plan options let you keep routine GP access for the family while holding financial protection for hospital stays, surgical events or serious illness. For individuals and families in the North West, this dual protection limits the risk of large, unexpected medical bills.

Choosing between Standard, Innovator and age-specific combined plans

• Junior combined option: single combined plan designed for children up to 17 years with child-friendly day-to-day benefits.
• Senior combined option: a combined offering for members 55 and older with appropriate in-hospital protection.
• Standard combined plan: for adults 18-54, a single combined option aimed at cost-conscious individuals and families.
• Innovator combination plans: multiple plan options for adults 18-54 with varied benefit balances to match different needs and budgets.

Compare the Innovator plan choices and see which combination aligns with your household priorities on the Innovator Range page. When comparing plans, consider expected routine visit frequency, any planned procedures and acceptable out-of-pocket levels if you choose higher or lower excesses.

Compare Innovator combination plans or explore the in-hospital inclusions on the Hospital Plan page to understand admission cover.

Practical steps to pick the right combined plan

1. List routine needs: estimate annual GP visits, dental and optical needs for your household.
2. Check planned care: identify any likely procedures or admissions in the coming year.
3. Match benefits and limits: choose a combined option that balances day-to-day limits with sufficient in-hospital protection for peace of mind.
4. Use the provider tool: confirm nearby clinicians and hospital access in the North West before you decide.

Ready to decide? Get a quote and compare plans to see how premiums and benefit balances align with your monthly budget. Get a quote for combined plans or visit our homepage to join now and begin cover.

Common South African use cases for combined cover

• Young family needing frequent GP access for children while keeping hospital protection for serious events.
• Dual-income households preferring predictable monthly budgeting and remote consultations for weekday concerns.
• Older adults prioritising in-hospital protection with modest day-to-day benefits for routine care.

Sources

• Affinity Health - Combined Plan details
• Affinity Health - Day-to-Day cover
• Affinity Health - Hospital Plan guide
• National Department of Health - South Africa