Practical combined cover that keeps everyday care and hospital events within budget

A budget-combined-health-plan aims to give you both day-to-day benefits for routine care and in-hospital protection for major events, while keeping monthly premiums manageable. Affinity Health focuses on straightforward, reliable Health Insurance options that help young professionals, families with children and retirees access private care without a prohibitive cost burden.

What a budget combined plan includes

• Day-to-day benefits: GP consultations, basic dentistry and optometry network access for routine needs.
• Hospital benefits: In-hospital admissions, theatre and ward fees, approved clinician fees and in-hospital procedures.
• Support services: Remote consultations and emergency medical response coordination where applicable.

Choosing a budget-combined-health-plan helps avoid the gap between paying for routine care out of pocket and being protected against high hospital bills. Many South Africans prefer this approach because it reduces the chance of delaying care while still protecting household finances from unexpected admissions.

How Affinity Health structures budget combined options

• Clear benefit groups for day-to-day and hospital elements so you can prioritise what matters most to your family.
• Plan options suited to life stage: Junior cover for children, Standard and Innovator options for working-age adults, and Senior plans for those 55+.
• Simple enrolment and a broad provider network to improve access to private Healthcare Practitioners and hospitals.

If you want to review the combined plan specifics, see the detailed Combined Plan overview on the website: Affinity Health - Combined Plan. To compare day-to-day inclusions in isolation, check the day-to-day overview here: Affinity Health - Day-to-Day Cover.

Benefit breakdown table (overview)

To view provider locations and confirm where you can access in-hospital care, use the provider search: Find a Hospital Provider.

Choosing the right budget-combined-health-plan for your household

Select a plan based on household composition, typical use of routine services and acceptable out-of-pocket exposure for major events. Young families often prioritise strong day-to-day benefits for child care, while those approaching retirement may choose higher hospital limits. Use the Innovator range if you prefer a broader set of combined plan options: Affinity Health - Innovator Range.

Step-by-step selection guide

1. Identify routine needs: Estimate annual GP visits, dental check-ups and eyewear replacements.
2. Assess risk tolerance: Consider planned procedures or occupational risks that could lead to hospital admission.
3. Compare combined options: Match benefit structures to likely annual out-of-pocket costs and premium levels.

When you want an indicative price or to join a plan, start with a personalised quote and compare the combined plan options and any available plan options that suit your age group. For quick access to plan information, return to the Affinity Health homepage: Affinity Health - Homepage.

South African use cases and practical notes

• Young professionals: Budget combined cover helps manage GP visits and protects against unexpected hospital costs during active working years.
• Families with children: Day-to-day benefits reduce the cost of routine paediatric visits while hospital benefits guard against surgery or admission costs.
• Retirees and older adults: Senior combined options prioritise robust hospital protection with essential day-to-day access where needed.

What to check before you join

• Benefit limits and any annual visit caps for day-to-day services.
• Definitions of in-hospital procedures and which clinician costs are authorised.
• Waiting periods for specific benefits and any exclusions listed in plan documents.

Ready to compare plans or get a quote? Review the combined plan details and start a comparison on the Combined Plan page to see which budget-combined-health-plan best fits your household needs.

Sources

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