Why choose a combined day-to-day and hospital plan?

A combined plan gives you everyday access to consultations, basic dental and acute medicines while also protecting against the large costs of in-hospital treatment. Affinity Health focuses on affordable, reliable Health Insurance for South African individuals, families with children, young professionals and retirees who want straightforward protection without unaffordable premiums. Explore how day-to-day benefits and hospital benefits work together to reduce out-of-pocket risk and preserve household savings.

What a combined plan typically includes

• Day-to-day benefits: GP consultations, basic dentistry, optometry network access and coverage for acute medicine up to stated limits.
• Hospital benefits: In-hospital admissions, theatre and ward fees, approved clinician fees and in-hospital scans or procedures.
• Remote consultations: Access to virtual consultations with registered healthcare practitioners for minor concerns and triage.

How Affinity Health plan options help manage costs

• Budget-friendly plan options let you prioritise meaningful day-to-day limits or higher hospital cover depending on household needs.
• Clear excess choices: selecting a higher excess can lower monthly premiums while keeping core in-hospital protection intact.
• Standard definitions and waiting periods are set out so you know when specific benefits become available.

Quick comparison

To see how these features map to specific plan options, review our combined plan page and day-to-day details. Compare the inclusions and limits so you can choose the right balance for your household.

Explore Combined Plan options • Read about Day-to-Day benefits

How to pick the best plan for your needs

Choosing the best combined plan depends on age profile, family size and expected healthcare use. Young professionals may prioritise strong day-to-day benefits for routine GP access, families with children often want robust day-to-day limits plus mid-level hospital protection, and retirees frequently value higher in-hospital limits. Follow the steps below to make an informed decision.

Step-by-step selection guide

• List routine needs: estimate annual GP visits, dental check-ups and eyewear replacements.
• Assess in-hospital risk: consider planned procedures or occupational hazards that may require hospital admission.
• Balance monthly budget against potential large bills: higher excess typically reduces monthly premiums while preserving core hospital protection.
• Confirm waiting periods and any benefit-specific rules so expectations match cover start dates.

Provider access and practical considerations

Use our provider finder to check participating hospitals and clinics before you commit. Knowing which healthcare practitioners and facilities accept the plan helps avoid unexpected out-of-network costs and ensures timely access when it's needed most.

See Hospital Plan details • Find a Hospital Provider

Common South African scenarios and suggestions

• Young couple starting out: moderate day-to-day benefits and standard hospital limits to protect against accidents.
• Family with children: prioritise higher day-to-day visit limits and acute medicine cover to reduce routine out-of-pocket spend.
• Retiree or older adult: choose stronger hospital limits with conservative day-to-day cover if routine visits are infrequent.

Compare plan options and get a quote now to see exact monthly premiums and excess structures for your household. Use the quote tool to compare plan options side-by-side and join now when you find the right balance of everyday cover and in-hospital protection.

Sources

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

Ready to compare plans? Get a quote to check monthly premiums, then compare plan options and join now when you find the right combination of day-to-day care and hospital protection for your household.