Why choose a combined health plan in North West

A combined health plan with day-to-day care plus hospital protection gives households reliable everyday access to GP consultations, basic dentistry and acute medicines while protecting against high in-hospital costs from surgery or serious illness. In North West, choosing the right combined plan matters for predictable monthly budgeting and quicker access to private care when you need it most.

Who benefits most from a combined plan?

• Young professionals wanting routine GP access and emergency hospital protection.
• Families with children who need frequent day-to-day visits and immunisations.
• Retirees seeking strong in-hospital protection with modest day-to-day cover.

What a combined plan covers

• Day-to-day benefits: GP consultations, basic dentistry and optical network options, and acute medicines subject to plan limits.
• Hospital benefits: In-hospital admissions, theatre and ward costs, approved consulting clinician fees, and in-hospital scans and procedures.
• Support services: Virtual consultations with a Healthcare Practitioner and emergency medical response coordination where included.

Comparing plan groups for North West residents

To compare what each combined option covers and which group matches your household, review the combined plan details and the day-to-day overview. If you want an estimate of monthly cost ranges for North West households, check current pricing on the Affinity site.

Explore combined plan details: Combined plan information and learn about day-to-day inclusions: Day-to-day plan overview.

How to pick the best combined plan for your North West household

Selecting the right combined plan starts with three practical steps: assess routine care needs, identify hospital risk exposure, and balance monthly premium with excess levels. Use these guidelines to compare plan options and make an informed choice.

Step-by-step selection guide

• List routine needs: Estimate annual GP visits, dental check-ups and eyewear replacements for each family member.
• Assess hospital risk: Consider planned procedures or activities that increase injury risk and choose hospital limits accordingly.
• Match benefit levels: Compare Innovator and Standard combined plans to align everyday limits and in-hospital protection with your budget.

Provider access and local considerations in North West

Check the network of private hospitals and healthcare practitioners accessible in your area. Use the provider search tools to confirm which facilities are included for in-hospital care and where you can access day-to-day services.

Find private hospitals near you: Find a hospital provider. For day-to-day clinicians and clinics, see: Find a provider.

Affordability and budgeting tips

• Prioritise the benefits you use most: choose stronger day-to-day cover for young families and higher hospital limits for older adults.
• Consider modest excess choices to lower premiums while keeping core hospital protection intact.
• Review the current pricing page for specific premium examples relevant to your age group and family size.

Next steps to secure cover

Compare combined plan options, get a personalised quote and confirm provider access in your town in North West. Start by viewing combined plan options and checking current pricing online to get an exact monthly premium for your household.

Get plan details: Hospital plan information. See current pricing: current pricing.

Sources

• Affinity Health - Combined plan details
• Affinity Health - current pricing page
• Affinity Health - Find a Provider
• South African Government - Health information