Budget day-to-day and hospital plan designed for South African households

A budget day-to-day and hospital plan gives everyday access to GP visits, basic dentistry and acute medicines while also protecting you from large in-hospital costs such as theatre and ward fees. Affinity Health’s combined plan options are designed to help young professionals, families with children and retirees balance monthly affordability with reliable Medical Insurance protection.

What a budget combined plan covers

• Day-to-day benefits: GP consultations, basic dental and optometry benefits and acute medicine cover for short-term illnesses.
• Hospital benefits: In-hospital admissions, theatre and ward fees, and approved clinician fees for procedures performed in hospital.
• Support services: Remote consultations for immediate clinical advice and coordinated Emergency Medical Response when required.

Why choose a budget combined plan?

• Predictable monthly cost: One monthly premium covers routine visits and serious in-hospital events to limit unexpected large bills.
• Convenience: Consolidates cover so routine care is used without multiple accounts or separate claims processes.
• Access: Use private providers for quicker appointments where available and appropriate.

How Affinity Health structures budget combined plans

Affinity Health offers combined plan options that pair day-to-day benefits with hospital protection in one plan family. Compare plan options and view core inclusions on our combined plan overview to see which balance of routine and in-hospital benefits fits your household needs - learn more on the combined plan page: Affinity Health - Combined Plan. For a quick company overview visit the homepage: Affinity Health homepage.

Common inclusions and practical notes

• Waiting periods: Certain benefits may have waiting periods; check plan details before applying.
• Excess choices: Selecting a higher excess can reduce monthly premiums but increases out-of-pocket costs at claim time.
• Approved clinician fees: In-hospital clinician fees are covered according to the plan’s specified limits and rules.

Get a personalised quote or compare the available budget combined options to see estimated monthly premiums and the benefit split that best fits your household. Use the combined plan page link above to begin comparing and to request a quote online.

Selecting the right budget level for your household

Choosing the right budget day-to-day and hospital plan depends on family size, ages and expected routine healthcare use. Young families often prefer stronger day-to-day benefits for child healthcare, while retirees may prioritise higher in-hospital limits. Use the practical steps below to decide.

Step-by-step selection guide

• Estimate routine usage: Count expected GP visits, dental appointments and eyewear needs for the year.
• Assess in-hospital risk: Consider any planned procedures and general health history to gauge required hospital limits.
• Compare plan options: Review what each combined plan includes for day-to-day vs in-hospital benefits and select the best monthly budget fit.

Provider access and where to use your plan

Affinity Health policyholders can find participating private hospitals and approved practitioners through our provider locator tools. Check the hospital provider list when you need in-hospital care: Find a hospital provider, or use the general provider directory for day-to-day practitioners: Find a provider.

Practical South African use cases (no personal details)

• Young professional: Prioritises GP visits and remote consultations for minor ailments, with mid-level hospital protection for unexpected surgery.
• Family with children: Strong day-to-day benefits for routine child healthcare plus hospital cover for accidents or major treatment.
• Retiree: Emphasises higher hospital limits to reduce large out-of-pocket bills while keeping essential day-to-day access.

Next steps and how to proceed

Compare available combined plan options and request a quote to see exact monthly premiums for your household composition. Review benefit documents carefully for waiting periods, excess terms and in-hospital definitions. Start by reviewing day-to-day inclusions to understand routine care limits: Day-to-Day benefits, and read the hospital plan summary for in-hospital coverage details: Hospital plan information.

Helpful checklist before you join

• Confirm which services are covered under day-to-day benefits and any visit or limit caps.
• Check waiting periods for specific benefits such as maternity or certain procedures.
• Decide on an excess level that balances monthly cost with potential claim-time expenses.

Sources

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