Why choose the best day-to-day and hospital plan?

Choosing the best day-to-day and hospital plan means combining everyday healthcare access - GP visits, basic dentistry and acute medicines - with protection for in-hospital events such as surgery, theatre and ward fees. Affinity Health specialises in budget-friendly plan options designed for South Africans: young professionals, families with children and retirees who need dependable cover without excessive monthly costs.

How combined plans work

• Day-to-day benefits cover routine outpatient needs: consultations with a Healthcare Practitioner, basic dentistry (where applicable), optometry network benefits, and acute medicines.
• Hospital benefits cover in-hospital admissions, theatre and ward fees, approved clinician fees and in-hospital procedures and scans.
• Combined plans consolidate both sets of benefits so you manage one monthly premium and reduce the risk of skipping routine care due to cost.

Affinity Health plan groups and who they suit

• Junior cover (0-17 years): child-focused day-to-day and hospital options ideal for families with dependants. See junior plan details here.
• Standard range (18-54 years): core combined options for young professionals and households seeking balanced benefits; learn about day-to-day benefits here.
• Affinity Senior (55+ years): designed to meet retiree needs with suitable hospital and day-to-day selections; review senior options here.

Provider access and approved clinician care

Affinity Health provides access to a broad network of private hospitals and approved clinicians for in-hospital treatment. For routine consultations and out-of-hospital services you will use contracted Healthcare Practitioners in the day-to-day network, helping you access care quickly and predictably. Find local providers and hospital locations to check access in your area on our provider pages.

When reviewing plan options, consider waiting periods, in-hospital definitions and the balance between day-to-day limits and hospital limits to select the best day-to-day and hospital plan for your household. Ready to compare? Get a quote or compare plans now to see exact inclusions and premiums.

Comparing plan features - what to prioritise

Different households require different balances. Young families often prioritise stronger day-to-day benefits for frequent child Healthcare Practitioner visits and preventive checks, while older adults may prioritise higher hospital limits for surgical events. Below are practical criteria to use when comparing combined plans.

Step-by-step selection guide

• Inventory routine needs: estimate GP visits, dental check-ups and eyewear needs per year for your family.
• Estimate risk exposure: factor in any planned procedures, occupational risks or sporting activities that increase potential hospital use.
• Match benefit balances: compare how many day-to-day visits are included versus the hospital cover limits and excess choices.
• Consider remote consultations: many plans include access to remote consultations with approved Healthcare Practitioners for straightforward advice and early triage.

Feature comparison at a glance

South African use cases - choosing what fits

• Young professionals: choose stronger day-to-day access for weekday consultations and remote consultations for quick advice.
• Families with children: prioritise day-to-day limits for repeat GP visits, immunisations and basic dental care alongside mid-level hospital protection.
• Retirees: consider higher hospital limits and day-to-day options that support routine chronic-condition reviews with Healthcare Practitioners.

Affinity Health’s combined plan options include a range of benefit structures to help you find the best day-to-day and hospital plan for your budget and health needs. Compare combined plan details and get a personalised quote to view the exact benefits for your household on the combined plan page.

If you want to review hospital access, use our hospital provider finder to confirm nearby private hospitals and approved clinicians. Ready to proceed? Get a quote, compare plans and join now to secure cover that fits your life.

Sources

• Affinity Health - Combined Plan details
• Affinity Health - Day-to-Day Cover overview
• Affinity Health - Hospital Plan information
• National Department of Health South Africa - health resources
• Statistics South Africa - health statistics