Why choose the best complete health insurance for your household

When South Africans search for the best complete health insurance they typically want one solution that handles everyday medical needs and the larger costs associated with hospital admission. Affinity Health offers combined plan options that bring day-to-day benefits together with hospital protection so you can manage routine clinic visits and secure cover for surgery, theatre and ward fees in one budget-friendly package.

Core components of a complete health solution

• Day-to-day care: GP consultations, basic dental and optometry network access, and acute medicine allowances to reduce out-of-pocket spend.
• Hospital protection: In-hospital admissions, theatre and ward fees, approved in-hospital procedures and selected scans performed during admission.
• Support services: 24/7 telephonic assistance for admissions and Emergency Medical Response coordination when needed, plus access to virtual consultations where offered.

How Affinity Health structures combined plans

Affinity Health’s combined plan options are designed for clear monthly budgeting and predictable cover. Choose the level of day-to-day benefits and hospital limits that match your household needs - for example, parents with young children may prioritise richer day-to-day benefits, while retirees may choose higher hospital limits.

• Single monthly payment for both day-to-day and hospital components.
• Access to our provider listings for clinics and hospitals across South Africa to plan treatment paths.
• Straightforward excess choices to help manage premiums while retaining meaningful protection for major events.

Learn more about specific combined benefits and how they apply to family needs on the Affinity Combined Plan page: Affinity Health - Combined Plan. For a deeper look at day-to-day inclusions, see our overview of routine care: Affinity Health - Day-to-Day Cover.

Feature snapshot

Ready to compare options? Get a quote to see which combined plan aligns with your monthly budget and preferred level of cover, and review the Provider listings to plan where you can access care.

Choosing the best complete health insurance for your situation

Selecting the right complete plan depends on household composition, age ranges and expected healthcare needs. Young professionals and small families often prioritise generous day-to-day benefits for GP visits and child care, while older members may favour higher hospital limits. Affinity Health provides options for Juniors (0-17), Standard adult ranges (18-54) and Seniors (55+), so you can pick an appropriate plan group.

Step-by-step selection guide

• List your routine needs: estimate annual GP visits, dental checks and eyewear renewals.
• Assess major-event exposure: consider the likelihood of surgery or hospital admission for planned procedures or known risks.
• Compare combined plan options and limits to estimate potential out-of-pocket exposure for different scenarios.

Provider network and access

Affinity Health’s provider directories make it simple to find private hospitals and healthcare practitioners across South Africa. Use the provider search to confirm local access and ease of care: Find a Hospital Provider. For clinics and practitioners outside hospital settings, check our provider listings here: Find a Provider.

Affordability and plan options

Affinity Health aims to keep private health cover accessible and budget-friendly. Choosing higher excess levels reduces monthly premiums while preserving essential hospital protection. Compare plan options across Junior, Standard and Senior ranges to balance monthly cost and benefit levels.

South African use cases

• Young couple with a newborn: prioritise strong day-to-day benefits for frequent paediatric visits and immunisations alongside mid-level hospital limits.
• Working professional: choose a combined plan with robust hospital protection and adequate day-to-day support for routine consultations and minor procedures.
• Retiree: select plans in the Senior range that emphasise higher hospital limits while keeping routine care at practical levels.

Next steps and actions

Compare combined plan summaries, review provider listings to confirm access, then get a quote to see exact monthly premiums for your household composition. Learn more about hospital-specific benefits on our hospital plan page: Affinity Health - Hospital Plan. When you’re ready, get a quote, compare plans and join the option that best matches your needs.

Sources

• Affinity Health - Combined Plan
• Affinity Health - Day-to-Day Cover
• Affinity Health - Hospital Plan Guide
• National Department of Health - South Africa