A budget-focused combined option for everyday care and hospital events

A cheap-combination-health-plan is designed to give you both day-to-day care and in-hospital protection in one budget-friendly package. For young professionals, families with children and retirees across South Africa, this approach keeps routine GP visits, basic dentistry and acute medicines accessible while protecting you from significant in-hospital costs such as surgery and admissions.

What a combined plan includes

• Day-to-day benefits: GP consultations, basic dental treatments, optometry options and acute medicines within set limits.
• Hospital benefits: In-hospital admissions, theatre and ward fees, approved consultant fees and procedures performed in hospital.
• Support services: Virtual consultations with a healthcare practitioner and Emergency Medical Response when required.

Affinity Health’s combined plan options are presented across ranges that suit different age groups and needs. If you want more detail about plan structure and combined benefit specifics, see our combined plan overview. If you prefer strong day-to-day limits, review the dedicated day-to-day information at day-to-day cover.

How affordability is achieved

• Consolidated coverage reduces duplicate admin and keeps premiums lower than maintaining separate plans.
• Plan options let you prioritise essential benefits while staying within a monthly budget.
• Choice of excess levels and benefit balances helps lower monthly outlay while keeping core protection intact.

Simple comparison - what combined cover prevents

Choosing the right cheap-combination-health-plan for your household

Pick a plan level based on family composition, typical annual GP visits and any planned procedures. Young families often prioritise higher day-to-day benefits for child healthcare, while older adults may prefer higher hospital limits. Use the plan pages and pricing tools to compare options and make an informed decision.

Step-by-step selection guide

• Estimate routine needs: Count anticipated GP visits, dental check-ups and eyewear replacements per year.
• Assess risk exposure: Consider planned surgeries or activities that increase the chance of injury.
• Compare plan options: Review combined benefit balances and expected monthly premiums, then request a quote to confirm pricing.

Where to check pricing and providers

For exact premiums and the latest pricing, consult Affinity Health’s pricing page for current rates and premiums. See detailed hospital inclusions on the hospital information page and confirm which private facilities are available in your area via the provider finder below.

• Hospital plan details
• pricing and premiums
• find a hospital provider

Practical South African use cases

• Young single professional: Prioritise day-to-day consultations and basic dental cover with basic hospital limits to protect against accidents.
• Growing family: Stronger day-to-day benefits for child healthcare plus mid-level hospital protection for unexpected operations.
• Retiree household: Moderate day-to-day support and higher hospital limits to reduce the risk of large in-hospital bills.

Next steps - compare and join

Compare plan options, request a quote and confirm the provider network to see which combined plan delivers the best balance of routine benefits and in-hospital protection for your monthly budget. Get a quote online to see exact monthly premiums for your household composition and age profile.

Sources

• Affinity Health - Combined plan overview
• Affinity Health - Day-to-day cover
• Pricing and premiums - Affinity Health
• National Department of Health South Africa - policy and guidance