Budget-friendly combination health plan that balances everyday care and major events

A budget combination health plan brings together day-to-day benefits for routine consultations and basic treatments with hospital protection for surgeries, admissions and theatre fees. Affinity Health focuses on accessible, reliable Health Insurance options so individuals, young professionals, families with children and retirees can manage monthly costs while keeping meaningful protection in place.

Who benefits from a budget combination health plan?

• Young professionals who need regular GP access and cover for unexpected hospital events.
• Families with children who want routine care and immunisation visits covered without high monthly premiums.
• Retirees or older adults seeking in-hospital protection alongside basic outpatient benefits.

Core components of the plan

• Day-to-day benefits: GP consultations, basic dentistry and optometry network access for routine needs. Learn more about day-to-day options on the day-to-day cover page.
• Hospital benefits: In-hospital admissions, theatre and ward fees, and approved in-hospital procedures. See hospital plan details on the hospital plan page.
• Combined administration: One monthly premium that simplifies budgeting and reduces unexpected financial stress from large hospital bills.

How affordability is achieved

• Plan options with defined benefit mixes let you prioritise essential services while controlling premium levels.
• Reasonable excess choices can lower monthly premiums while protecting core hospital limits for major events.
• Using networked providers for outpatient services helps keep routine costs predictable.

Quick comparison - what a budget combination plan covers

Get a quote now to compare how different plan options affect your monthly premium and out-of-pocket exposure. Join now for a personalised overview and clear comparisons across available plan options.

Choosing the right budget combination plan for your household

Selecting the right plan depends on household size, ages and expected routine needs. A straightforward approach helps: estimate routine visit frequency, identify any planned procedures, and compare combined plan options to match your monthly budget.

Step-by-step selection guide

1. List routine needs: expected GP visits, dental checks and eyewear replacements per year.
2. Estimate risk: consider planned surgeries, sports or occupational risks that could lead to hospital admissions.
3. Compare plan options: review day-to-day and hospital benefit mixes and the effect on monthly premiums.

Provider access and practical considerations

• Use the provider search to find participating GPs and hospitals near you: Find a provider.
• Confirm in-hospital procedures and how emergency medical response is coordinated under your selected plan. For hospital-specific locations, see: Find a hospital provider.

South African use cases (illustrative scenarios)

• Young couple: Strong day-to-day benefits for routine care with mid-level hospital protection for surgical events.
• Family with children: Emphasise day-to-day limits for frequent child healthcare and basic dentistry, plus hospital cover for unplanned admissions.
• Older adult: Prioritise higher hospital limits while keeping essential day-to-day benefits for routine monitoring.

Compare plans and take the next step

Compare plan options on the combined plan page, review day-to-day and hospital inclusions, then request a quote to see exact monthly premiums based on ages and household composition. Use comparisons to find a budget-friendly balance that preserves access to private care and protects against large, unexpected hospital costs.

Get a quote today, compare plans side-by-side and join now when you find the right budget combination health plan for your needs.

Sources

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