Family-focused combined medical insurance that balances routine care and in-hospital protection

A combined medical insurance plan merges day-to-day benefits (GP visits, basic dentistry, optometry and acute medicines) with hospital protection for admissions, theatre and ward fees and approved clinician fees. Affinity Health designs combined plan options to help individuals, families with children, young professionals and retirees manage both frequent routine costs and the large bills that can follow surgery or serious illness.

Who benefits most from a combined plan?

• Young families who need regular GP access and child healthcare support.
• Dual-income households seeking predictable monthly budgeting for routine and major events.
• Retirees who want hospital protection plus limited day-to-day benefits.
• Professionals wanting virtual consultations and quick clinician access for minor concerns.

Affinity Health plan structure and where to start

Affinity Health offers combined plans across the main plan groups so you can choose the option that fits your household composition. For individual and family customers the Standard Range and Innovator Range include combined plan options; Junior and Senior ranges offer combined plans for children and older adults respectively. Group Cover offers combination plans exclusively for employer groups. Learn more about our combined plan options on the combined plan page.

Core benefits you should expect

• Day-to-day services: GP consultations, basic dental check-ups, and optometry network access within defined limits.
• Hospital protection: Cover for in-hospital admissions, theatre and ward fees, approved clinician fees and in-hospital procedures.
• Support services: Remote consultations for minor concerns and access to a nationwide provider network for timely care.

Provider network and access

Using private clinicians and hospitals can reduce waiting times and improve continuity of care. Affinity Health maintains a nationwide provider directory so you can check participating healthcare locations and clinicians before you need them. Search available clinicians on the Find a Provider page.

Comparing combined plans - practical evaluation and selection guide

When comparing combined medical insurance options for a family, focus on benefit limits, waiting periods, in-hospital definitions and the day-to-day visit caps. Match those elements to your expected annual usage: number of GP visits, dental or optometry needs, and any planned procedures. Also consider chosen excess levels as a way to manage monthly premium outlay while keeping core protection for major events.

Benefit comparison checklist

• Annual limits for day-to-day benefits and any per-visit constraints.
• Hospital cover limits per admission and what procedures are considered in-hospital.
• Waiting periods for specific services such as maternity or certain procedures.
• Network breadth - how many participating hospitals and clinicians are in your area.

Examples of family plan priorities

• Families with young children: higher day-to-day visit limits and immunisation support.
• Active adults: stronger hospital protection for accidental injury and surgical events.
• Older adults: combination with a Senior range plan for better alignment with age-related needs.

How to get a quote and compare plans

Start by collecting ages and number of dependants, then request a personalised quote to see premiums and benefit allocations. To compare options side-by-side, use the combined plan overview and the day-to-day details already linked above. After reviewing, you can get a quote, compare plans and join now based on the selected plan option.

Sources

• Affinity Health - Combined Plan details
• Affinity Health - Day-to-Day Cover
• Affinity Health - Find a Provider
• National Department of Health South Africa - official information
• Statistics South Africa - health and population indicators