Practical combined cover that fits your budget

A budget-combined-medical-insurance solution should balance routine healthcare needs - GP visits, basic dentistry, optometry and acute medicine - with robust in-hospital protection for surgeries, admissions and theatre fees. Affinity Health designs combined plan options so you can manage monthly costs while keeping access to private care when it matters most.

What a budget combined plan includes

• Day-to-day benefits: GP consultations, basic dental checks, and network optometry access under defined limits.
• Hospital benefits: In-hospital admissions, theatre and ward fees, approved clinician fees and in-hospital procedures.
• Support services: Remote consultations with a Healthcare Practitioner and coordinated Emergency Medical Response where necessary.

Choosing a combined approach avoids the gap between routine care and major events. For more on day-to-day inclusions, see Day-to-Day plan details. To understand in-hospital cover, review our hospital information at Hospital plan guide.

How to assess affordability

• Start with expected routine usage: estimate annual GP visits, dental checks and eyewear needs.
• Decide your preferred out-of-pocket exposure for major events and pick a plan option that balances monthly premium and excess.
• Compare combined plan benefit levels and confirm which services are covered in-hospital versus as day-to-day benefits.

If you want to compare combined plan options side-by-side, start with the Affinity Combined Plan overview and request a personalised quote to see which budget-combined-medical-insurance option matches your household. Get a quote or compare plans at Combined plan information.

Selecting the right budget-combined-medical-insurance level

Choosing the right combined plan depends on family size, ages and expected healthcare use. Use the steps below to select a plan that keeps monthly costs manageable while protecting against large, unplanned bills.

Step-by-step selection guide

1. List routine needs: number of GP visits, dental appointments and prescriptions per year.
2. Estimate major-event risk: any planned procedures or higher accident exposure due to lifestyle or work.
3. Compare combined plan options: prioritise higher hospital limits if surgical risk is greater, or stronger day-to-day benefits for families with young children.
4. Request quotes and confirm provider access and claim processes before joining.

Provider access and practical considerations

• Confirm which private hospitals and approved clinicians are accessible under your chosen plan.
• Check waiting periods for certain benefits and any rules on pre-authorisation for planned admissions.
• Understand how remote consultations with Healthcare Practitioners are handled for minor acute concerns.

To locate hospitals and network providers accepted on Affinity plans, use the provider search tool at Find a hospital provider. For non-hospital clinicians, see Find a provider.

Common South African use cases

• Young couple starting a family: emphasise day-to-day benefits for child healthcare and a combined hospital buffer for unexpected admissions.
• Single professional: lean towards a budget-combined-medical-insurance plan with modest day-to-day benefits and reliable hospital limits for accidents.
• Retiree or 55+ adult: select stronger hospital protection while retaining essential day-to-day access for routine care.

Ready to compare options? Get a quote now and see how a budget-combined-medical-insurance plan can fit your monthly budget while keeping private healthcare within reach. Join now or compare plans through the combined plan page.

Sources

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