Why choose a combined medical insurance plan in the North West?

A combined medical insurance plan provides both routine out-of-hospital benefits and in-hospital protection in a single budget-friendly product. For households in the North West - from young professionals in Mahikeng to families in Rustenburg and retirees in smaller towns - a combined plan can reduce the risk of large, unexpected bills while keeping everyday care accessible.

Who benefits most

• Families with children who need regular GP visits, basic dentistry and optometry access.
• Working adults who want reliable in-hospital cover for accidents or surgery alongside routine consultations.
• Retirees seeking predictable monthly costs and strong in-hospital protection.

How Affinity Health structures combined plans

Affinity Health offers combined plan options that combine day-to-day benefits with in-hospital protection. These plan options are designed to support common healthcare needs while keeping premiums affordable. Learn about the combined plan features and what they include on the combined plan page: Affinity Health - Combined Plan.

Core inclusions to expect

• Day-to-day benefits: GP consultations, dental check-ups up to benefit limits, optometry network access and acute medicines (subject to plan limits).
• Hospital benefits: In-hospital admissions, theatre and ward fees, approved clinical practitioner fees and in-hospital procedures.
• Support services: Remote consultations with a Healthcare Practitioner for minor concerns and guidance on Emergency Medical Response when required.

Comparing combined plans - quick checklist

• Annual benefit limits for day-to-day services and visit caps per person.
• In-hospital limit per admission and any predefined excess options.
• Waiting periods for specific services and definitions of in-hospital events.
• Provider access: where you can use your plan locally in the North West.

To check which providers participate and where you can access care close to home, use the provider finder for hospitals and other practitioners: Find a Hospital Provider and Find a Provider.

Simple comparison table

Choosing the right combined plan for your North West household

Selection depends on family composition, ages and how often you use routine services. Young families often prioritise stronger day-to-day limits, while older adults prioritise higher in-hospital limits. Follow these steps to choose a plan that fits your budget and risk profile.

Step-by-step decision guide

• Assess typical annual use: estimate GP visits, dental appointments and eyewear needs for each household member.
• Consider in-hospital risk: think about occupations, sports or planned procedures that might require hospital care.
• Compare plan options and limits: match potential out-of-pocket exposure with monthly premium expectations.
• Confirm provider access: ensure the plan lets you use nearby hospitals and clinical practitioners in the North West.

Practical considerations for North West residents

• Travel time to private hospitals can vary; plan for Emergency Medical Response access and nearest in-hospital facilities.
• Use the combined plan page to compare benefit details and make sure the level of day-to-day cover meets your children’s or dependants’ needs: Combined Plan details.

How to get started

• Gather household details: ages and any current health considerations.
• Compare sample plan options and expected monthly premiums for the plan option that best fits your needs.
• Use the provider finder to confirm that your preferred hospital and clinical practitioners are accessible: Find a Hospital Provider.
• Get a personalised quote online and compare available plan options before joining.

Affinity Health’s combined plans are aimed at making private medical insurance accessible and budget-friendly for people across South Africa, including the North West. Whether you are a young professional, a family with children, or a retiree, a combined plan can help you balance everyday healthcare needs with protection against major in-hospital costs. Compare plans and get a quote to see what fits your monthly budget.

Sources

• Affinity Health - Combined Plan details
• Affinity Health - Day-to-Day Cover
• Statistics South Africa - Health indicators and demographics
• National Department of Health South Africa