Combined Medical Insurance Designed for KwaZulu-Natal Residents

A combined plan gives you both routine out-of-hospital benefits and in-hospital protection in a single budget-friendly solution. For young professionals, families with children and retirees across KwaZulu-Natal, this approach reduces the chance of skipping routine care while ensuring protection from large hospital bills. Affinity Health offers combined plans that suit different needs across age groups and household sizes.

What a combined plan covers

• Day-to-day: GP consultations, basic dentistry and optical benefits up to defined limits, and acute medication benefits administered through approved channels.
• Hospital: In-hospital admissions, theatre and ward fees, and procedures approved for in-hospital care.
• Support services: Access to remote consultations with a healthcare practitioner for minor concerns and Emergency Medical Response if an accident requires urgent attention.

How Affinity Health plan groups match KZN needs

• Standard Range (18-54 years): One combined plan option that balances day-to-day and hospital benefits for working adults.
• Innovator Range (18-54 years): Multiple combined plan options with different benefit mixes for those wanting more specific combinations of day-to-day and in-hospital cover; see the Innovator comparison for details.
• Senior and Junior: Combined plan options exist for retirees (55+) and children (0-17) for households needing cross-generational cover.

Quick plan comparisons for KwaZulu-Natal residents

If you want to review specific benefit lists and plan wording, view the Combined plan details and compare how day-to-day benefits interact with in-hospital benefits. Learn more about combined plan structure on the Affinity Health - Combined Plan page. To double-check what is included on the in-hospital side, consult the hospital plan overview at the Affinity Health - Hospital Plan page.

Affordability and budgeting tips for KZN households

• Decide which routine services your household uses most (GP visits, dental, optical) and prioritise day-to-day limits accordingly.
• Consider a combined plan with modest day-to-day limits and stronger hospital protection if your main concern is unexpected surgery or admissions.
• Get quotes for different plan groups to compare monthly premiums against likely out-of-pocket scenarios and excess choices.

Get a quote to compare plans and confirm exact premiums for your household composition and ages.

Choosing the right combined plan for your KwaZulu-Natal household

Selection depends on household size, ages and expected healthcare use. Families with children may prioritise stronger day-to-day benefits for GP visits and immunisations, while older adults may favour higher hospital limits. Below is a step-by-step approach to decide.

Step-by-step selection guide

• List routine needs: Count expected GP visits, dental check-ups and eyewear replacements per year.
• Evaluate risk: Consider planned procedures, chronic conditions, occupational risks or sports-related injury exposure.
• Compare plan groups: Review Standard, Innovator, Senior and Junior combined options to match benefits to those needs.
• Request quotes: Use the online quote tool to see monthly premiums and plan options for your family composition.

Provider access and how it works in KZN

Affinity Health provides access to a broad network of private hospitals and healthcare practitioners across KwaZulu-Natal. Before a planned admission, contact Affinity Health for pre-authorisation where required and confirm which hospitals and practitioners participate in your plan. Use the provider directory to find nearby participating facilities and practitioners.

Find local providers using Affinity Health’s directory: Find a Provider, and to confirm hospital availability use the hospital provider finder: Find a Hospital Provider.

Practical South Africa scenarios

• Young professional in Durban: Select a combined plan from the Standard Range for balanced day-to-day visits and solid in-hospital protection for unexpected surgeries.
• Family with children in Pietermaritzburg: Prioritise higher day-to-day limits for GP and dental visits while keeping sensible hospital limits for major events.

Next steps - compare and join

Compare combined plan options across the Standard and Innovator ranges, request a quote online, and choose the plan that fits your monthly budget and expected healthcare use. For plan details, see the Affinity Health combined options and the Innovator range comparison to understand exact benefit mixes.

If you’re ready to review precise plan wording, limits and waiting periods, view the Innovator range or visit the Combined Plan page to start comparing - then get a quote to confirm your premium.

Sources

• Affinity Health - Combined Plan
• Affinity Health - Innovator Range
• National Department of Health - South Africa
• Statistics South Africa - Health indicators