Comprehensive health insurance that suits KwaZulu-Natal lifestyles

Whether you live in Durban, Pietermaritzburg or a coastal town, a comprehensive combined plan protects routine care and in-hospital events in one budget-friendly solution. Affinity Health offers plan options for young professionals, families with children and retirees, with clear benefit descriptions and a large provider network across the province.

What a combined plan covers

• Day-to-day benefits: GP consultations, basic dentistry and approved acute medicines through network clinicians.
• Hospital benefits: In-hospital admissions, theatre and ward fees, approved clinician fees and in-hospital scans or procedures.
• Support services: Virtual consultations for minor concerns and Emergency Medical Response coordination when required.

Who in KwaZulu-Natal benefits most

• Young professionals seeking predictable monthly costs and virtual consultations for weekday issues.
• Families who need strong day-to-day care for children plus hospital protection for accidents or surgery.
• Retirees who prioritise reliable hospital limits and access to approved clinicians across the province.

Key benefits and practical features

• Nationwide provider access with a strong footprint in KwaZulu-Natal; find nearby hospitals and clinicians via the provider finder.
• Clear definitions of in-hospital cover, visit limits and waiting periods so you can plan cashflow.
• Plan options across age ranges: Junior (0-17), Standard and Innovator (18-54), and Senior (55+).

If you want to check where you can receive care locally, use the Find a Hospital Provider tool to view participating hospitals in KwaZulu-Natal. Find a Hospital Provider.

How Affinity Health keeps plans budget-friendly

• Focused plan options that let you prioritise day-to-day or stronger hospital limits as needed.
• Simple claims and authorisation processes to reduce administrative delays.
• Options for virtual consultations that reduce out-of-pocket travel and waiting times for minor concerns.

Ready to compare specific inclusions and choose a level that fits your household? Get a quick quote and compare plan options online to see which combined plan suits your family composition. Get a Quote.

Choosing the right combined plan for KwaZulu-Natal

Selecting the right combined plan depends on household size, ages and typical healthcare use. Use the practical checklist below to match needs with plan inclusions, then compare specific plan details and limits.

Selection checklist

• Count routine needs: expected GP visits, dental or optical checks per year.
• Consider foreseeable hospital needs: planned procedures, occupational risks or sports participation.
• Review waiting periods and in-hospital definitions to avoid surprises.

Plan comparison - what to look for

Practical South African scenarios (non-personalised)

• Young couples often prioritise stronger day-to-day limits for frequent GP visits and virtual consultations while keeping mid-level hospital protection.
• Parents with young children typically choose comprehensive day-to-day benefits for immunisations and routine care plus hospital cover for emergencies.

To review day-to-day benefit details or confirm what outpatient services are available in-network, see the Day-to-Day plan overview. Day-to-Day Plan Details. For in-hospital inclusions and provider information, view the Hospital plan page. Hospital Plan Guide.

Sources

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