Why a combined plan is often the best choice for singles

For single adults, a combined plan that bundles day-to-day benefits with hospital protection offers predictable monthly costs while covering routine consultations and serious in-hospital events. Singles typically need strong GP access, basic dental and optical benefits, plus meaningful in-hospital limits for accidents or surgery. Affinity Health’s combined plan options are aimed at making that balanced protection affordable for young professionals and individuals across South Africa.

Core advantages for single adults

• One monthly premium for routine healthcare and in-hospital events, simplifying budgeting.
• Access to approved clinical practitioners and private hospital care when required.
• Plan options that let you prioritise the level of day-to-day benefits and hospital limits that match your needs.

Which Affinity Health plan groups suit singles?

• Standard Range (age 18-54): Core combined plans suitable for most singles who want essential day-to-day benefits plus in-hospital protection. Learn more about combined plan features on the combined plan page.
• Innovator Range (age 18-54): For singles seeking alternative plan options within the combined format; compare levels and benefits on the innovator range page.
• Junior and Senior ranges are for their specific age groups; singles should choose the range that matches their age bracket.

What a combined plan typically includes

• Day-to-day: GP consultations, basic dentistry and optical benefits within set limits, and acute medicine cover.
• Hospital: In-hospital admissions, theatre and ward fees, approved clinician fees and in-hospital procedures or scans where applicable.
• Support services: Remote consultations with a healthcare practitioner and Emergency Medical Response where needed.

Affordability focus for singles

Singles can manage premiums by choosing appropriate benefit levels and selecting an excess that reduces monthly cost while keeping solid in-hospital protection. Affinity Health’s Standard and Innovator combined plan structures let you balance routine access against larger hospital limits to suit your budget and health priorities.

How combined plans differ from hospital-only or day-to-day-only cover

• Hospital-only plans concentrate on in-hospital events and usually exclude routine GP care; combining avoids out-of-hospital gaps.
• Day-to-day-only plans cover routine care but leave you exposed to large in-hospital bills.
• A combined plan reduces the chance of unexpected high bills while supporting regular preventive and acute care needs.

If you want to inspect in-hospital specifics, see the hospital plan overview on the hospital plan page.

How to choose the best combined plan for your lifestyle

Choosing the right combined plan involves assessing your health habits, expected GP visits, any planned procedures and how much you can afford monthly. Below is a practical selection guide for singles and professionals.

Step-by-step selection guide

1. Estimate routine use: Count expected GP consultations, dental visits and optical purchases per year.
2. Consider risk exposure: If you play high-contact sports or have a physically demanding job, favour higher hospital limits.
3. Set a monthly budget: Decide how much you can comfortably allocate to health cover each month and balance day-to-day and hospital levels accordingly.
4. Compare plan options: Use the combined plan and innovator information pages to view features and plan options before deciding.

Comparison table - single adult focus

Practical South African scenarios for singles

• Young professional commuting daily: prioritise reliable day-to-day GP access for quick consultations and moderate in-hospital protection for unexpected events.
• Active single who plays contact sport: favour higher in-hospital limits to reduce out-of-pocket exposure after accidents.
• Frequent traveller: a combined plan helps manage routine care and hospital needs if you require private care while away from home.

Next steps - compare and join

Compare combined plan options and innovator plan alternatives to find the right balance of day-to-day benefits and hospital protection. To confirm provider locations near you, search for accredited providers on the provider finder. For hospital locations, use the hospital provider list on the hospital providers page. When you are ready, get a personalised quote and compare plan options to start cover that fits your monthly budget.

Sources

• Affinity Health - Combined Plan overview
• Affinity Health - Day-to-Day Cover
• Affinity Health - Innovator Range
• Department of Health South Africa - official information