Combined medical insurance designed for Western Cape lifestyles

For professionals, young families and retirees in the Western Cape, a combined medical insurance plan delivers day-to-day care plus in-hospital protection in a single budget-friendly product. Affinity Health offers combined options across age ranges - from Affinity Junior (0-17) to Affinity Senior (55+) and the Standard and Innovator ranges for working-age adults - so you can choose the right balance of routine access and hospital limits.

What a combined plan covers

• Day-to-day benefits: GP consultations, basic dentistry and optometry access, and acute medicines within stated benefit limits.
• Hospital benefits: In-hospital admissions, theatre and ward fees, approved procedures and in-hospital imaging or pathology.
• Support services: Remote consultations with a healthcare practitioner and Emergency Medical Response coordination when required.

Affinity Health plan groups that include combined options

• Affinity Junior - combined plan available for children 0-17.
• Affinity Senior - combined plan available for members 55+.
• Standard Range - combined plan for adults 18-54 with straightforward benefit choices.
• Innovator Range - multiple combination plans (Day-to-Day + Hospital) for adults 18-54 seeking alternative benefit mixes.
• Group Cover - combination plans available exclusively to employer groups and staff schemes.

Compare combined plan details and inclusions on the Affinity Health Combined Plan page to see which option best fits your household composition: Affinity Health - Combined Plan. If you only need stronger routine benefits for regular GP visits or dental care, review the day-to-day plan information here: Affinity Health - Day-to-Day Plan.

Provider access and how it works in the Western Cape

Affinity Health members use an extensive network of providers and private hospitals across the Western Cape. You can confirm whether a hospital or clinician is part of the Affinity Health provider network using the provider search tools. When selecting a plan, check how in-hospital admissions are authorised and the process for submitting claims to ensure smooth care when you need it.

Choose the right combined plan for your household

Selecting a plan depends on ages in the household, typical frequency of GP visits, planned procedures and monthly budget. Use the practical steps below to compare options and request a personalised quote online - get a quote button appears on the plan pages to start the process.

Step-by-step selection guide

1. List household needs: count expected GP visits, dental check-ups and any known upcoming in-hospital procedures.
2. Match to plan group: choose Junior, Senior, Standard or Innovator based on ages and benefit priorities.
3. Review claim rules: confirm how in-hospital admissions and remote consultations with a healthcare practitioner are authorised.
4. Compare multiple quotes: use online quoting tools to compare monthly premiums and benefit limits, then decide and join now when ready.

South African use cases - how combined plans help in the Western Cape

• Young professionals: steady day-to-day cover for GP access and optometry, plus hospital protection for unexpected surgical events.
• Families with children: strong day-to-day benefits for frequent child healthcare and combined hospital protection for accidents or serious illness.
• Retirees: combined senior options that include outpatient consultations and in-hospital coverage suited to typical health needs after 55.

How to check providers and hospitals near you

Confirm participating hospitals and clinicians across the Western Cape using the hospital provider search: Find a Hospital Provider. For non-hospital clinicians and outpatient facilities, use the general provider finder here: Find a Provider. These tools help you confirm access and plan your care locally.

Next steps - compare and join

Compare combined plan options on the Affinity Health Combined Plan page, request a quote and review plan documents for benefit limits, waiting periods and in-hospital definitions. When you’re ready, get a quote and join the plan that fits your Western Cape lifestyle.

Sources

• Affinity Health - Combined Plan details
• Affinity Health - Hospital Plan guide
• Affinity Health - Day-to-Day Plan information
• Government of South Africa - official health information