Affordable combined health insurance that balances everyday care and major events

A combined medical insurance plan brings day-to-day benefits (GP visits, basic dentistry, optometry access and acute medicines) together with hospital protection for admissions, theatre and ward fees. For young professionals, families with children and retirees, this consolidated approach simplifies monthly budgeting and reduces the risk of unexpected large bills.

What a combined plan typically includes

• Day-to-day benefits: GP consultations, basic dentistry and optometry within defined limits.
• Hospital benefits: In-hospital admissions, theatre and ward fees, approved in-hospital procedures and associated provider costs.
• Support services: Remote consultations for minor concerns and Emergency Medical Response coordination when required.

Who benefits most

• Young professionals seeking predictable monthly costs and access to private primary care.
• Families wanting routine healthcare for children plus protection for accidents or surgery.
• Retirees who prioritise reliable in-hospital cover with manageable out-of-pocket exposure.

How Affinity Health structures combined options

Affinity Health offers combined options across its Standard Range and Innovator plans for individuals, and Group Cover plans for employer groups. Each combined option sets clear benefit limits for day-to-day services and defined in-hospital benefits so you can choose plan options that align with your monthly budget. Learn about our combined plan options and what each includes on the combined plan page: Affinity Health - Combined Plan.

Common exclusions and waiting periods to check

• Pre-existing conditions may have waiting periods; confirm the terms for consultations and procedures.
• Certain procedures may require a defined in-hospital claim pathway; review the benefit definitions in plan documents.
• Day-to-day limits and visit caps: be aware of annual or per-visit limits for routine services.

If you want an overview of day-to-day inclusions before comparing combined options, see the day-to-day benefits page: Affinity Health - Day-to-Day Cover. For details on in-hospital scope, visit the hospital plan guide: Affinity Health - Hospital Plan Guide.

Compare combined plan features and choose what matters most

When evaluating combined medical insurance, compare benefit limits, visit caps, in-hospital limits, excess options and how remote consultations are supported. Different plan options prioritise day-to-day allowances or higher hospital limits - select the balance that matches household needs and financial comfort.

Practical selection steps

1. Estimate routine usage: Count expected GP visits, dental check-ups and eyewear replacements per year.
2. Assess major-event risk: Consider planned procedures, sports or occupational exposures that could require hospital admissions.
3. Compare out-of-pocket exposure: Review excess choices and typical co-payments to understand annual outlay in addition to premiums.
4. Review provider access: Confirm where you can seek care by checking the provider finder and hospital provider pages.

Use the provider finder to see network availability near you: Find a Provider, and view participating hospitals at: Find a Hospital Provider.

South African use cases (scenarios to guide your choice)

• Young urban professional: Lower day-to-day needs, prioritise medium hospital limits with conservative out-of-pocket options.
• Family with young children: Higher day-to-day allowances for frequent GP visits and vaccinations plus mid-level hospital protection.
• Pre-retiree couple: Stronger hospital limits and measured day-to-day benefits to protect against in-hospital costs.

Quick comparison checklist

Next steps - get a quote and compare plans

Compare combined plan options and request a quote to see monthly pricing for your household. Use the combined plan page to start a comparison, request a personalised quote and review plan documents so you can make an informed decision. Get a quote now and compare plans to find the most suitable option for your family or personal needs.

Get a quote for combined plans · Compare Innovator plan options · Explore Group Cover for employer schemes

Sources

• Affinity Health - Combined Plan details
• Affinity Health - Day-to-Day Cover overview
• Affinity Health - Hospital Plan guide
• National Department of Health - South Africa
• Statistics South Africa - Health indicators