An Affordable, Comprehensive Combined Option for Practical Health Protection

If you are looking for budget-conscious comprehensive medical insurance that balances routine care with in-hospital protection, Affinity Health offers combined plan options that meet everyday needs and guard against large hospital bills. Our plans prioritise predictable monthly costs and straightforward benefits so young professionals, growing families and retirees can get essential health cover without overpaying. Explore plan options that deliver day-to-day benefits alongside in-hospital cover, and get a quote to compare the best fit for your household.

What a budget-friendly combined plan includes

• Day-to-day benefits: consultations with a healthcare practitioner, basic dental care and acute medicines for common short-term conditions.
• In-hospital benefits: admissions, theatre and ward fees, approved hospital procedures and related in-hospital diagnostic tests.
• Support services: remote consultations for minor concerns and guidance for Emergency Medical Response when required.

Affinity Health’s combined plan framework is designed so routine visits don’t become a barrier to care while still providing solid protection against large, unexpected hospital expenses. If you want more detail about the structure of combined cover, see the combined plan overview on our site: Affinity Health - Combined Plan.

How benefits are organised for affordability

• Clear limits: Each benefit area has defined day-to-day limits and hospital limits to keep premiums manageable.
• Plan options: Choose the level that best matches your budget and expected use; moving to a different plan level is available if your needs change.
• Provider access: Use our nationwide provider listings to find participating healthcare practitioners and hospitals close to you.

Who benefits most from a budget-comprehensive combined plan

• Young professionals seeking predictable monthly costs and coverage for routine GP visits and occasional procedures.
• Families with children who need regular consultations, immunisation visits and access to basic dentistry.
• Retirees who want reliable in-hospital protection while keeping everyday healthcare spending controlled.

Get a quote or compare plan summaries now to see which combination of day-to-day and in-hospital benefits suits your household. Start with a quick online quote and compare plan details to decide.

Practical Steps to Choose the Right Plan

Selecting the right combined plan is a process of matching likely healthcare use to available benefits and monthly budget. Follow these steps to make a confident choice and reduce unexpected out-of-pocket costs.

Step-by-step selection guide

• Inventory healthcare needs: Count expected GP visits, dental check-ups, and any planned procedures for the year.
• Estimate usage: Consider how often family members will access day-to-day benefits and whether higher hospital limits are needed.
• Compare plan options: Use Affinity Health plan comparisons to weigh routine allowances against in-hospital cover and monthly premium impact.

Provider access and convenience

Affinity Health maintains a broad network of private hospitals and healthcare practitioners across South Africa. Use the provider finder to confirm local options and see which facilities and practitioners are available under each plan: Find a Hospital Provider and Find a Healthcare Practitioner.

Common South African scenarios

• Dual-income couple in a metro: balance moderate day-to-day allowances with robust hospital limits for peace of mind.
• Family with young children: prioritise day-to-day benefits for frequent GP visits and basic dental care while keeping reliable in-hospital protection.
• Older adult living independently: stronger hospital benefits with manageable routine allowances can reduce the risk of large medical bills.

Next steps - compare and apply

Compare plan summaries, request a personalised quote online and review the plan document to confirm waiting periods and exclusions. For details about in-hospital benefit definitions, review the hospital plan information here: Affinity Health - Hospital Plan. When you are ready, get a quote, compare plan options and join now to begin cover.

Sources

• Affinity Health - Combined Plan overview
• Affinity Health - Day-to-Day benefits
• Affinity Health - Hospital plan details
• South African National Department of Health - Official information
• Statistics South Africa - Health indicators