Affordable combined health cover for Durban residents

If you live or work in Durban and want a cheap combination health plan that balances routine care with in-hospital protection, Affinity Health offers practical plan options designed for South African households and professionals. A combination plan brings day-to-day benefits (GP visits, basic dentistry and acute medicines) together with hospital protection for admissions, theatre and ward costs - giving predictable monthly budgeting and access to private healthcare when it matters most.

What a combination plan includes

• Day-to-day benefits: GP consultations, basic dental cover, optometry network access and acute medicines subject to benefit limits.
• Hospital benefits: In-hospital admissions, theatre and ward fees, approved clinician fees for in-hospital treatment, and selected procedures performed during an admission.
• Support services: Remote consultations for minor issues and Emergency Medical Response support when admitted to hospital.

Why choose a budget-friendly combined plan in Durban?

Durban households often need both routine access to clinicians for children and adults and protection from unexpected hospital costs. Combining day-to-day and hospital benefits reduces the chance of skipping GP visits while ensuring major events do not lead to crippling bills. Affinity Health focuses on affordability and clear benefit structures so you can choose plan options that suit your family size and monthly budget.

To review plan details and how benefits are grouped, see our Combined Plan page: Affinity Health - Combined Plan. For an explanation of day-to-day benefits, visit the day-to-day overview: Affinity Health - Day-to-Day Cover.

How affordability is achieved

• Plan options let you prioritise essential day-to-day care and select hospital limits that match your budget.
• Clear excess choices reduce monthly premiums while keeping core hospital protection in place.
• Streamlined claims processing and a focus on essential benefits help keep administration costs lower for members.

Affinity Health’s combined plans are offered with straightforward benefit layouts suitable for young professionals, families with children and retirees in Durban. Learn more about in-hospital protection and what it covers on the hospital plan page: Affinity Health - Hospital Plan.

Choosing the right level for your Durban household

Selecting the most suitable combined plan depends on family size, ages and routine healthcare needs. Young families may prioritise stronger day-to-day benefits for frequent child clinician visits, while older adults often prioritise higher hospital limits. Below is a step-by-step guide to help you choose and clear comparisons to consider.

Step-by-step selection guide

• List routine needs: Estimate annual GP visits, dental checks and eyewear requirements for the household.
• Identify potential hospital risks: Consider planned procedures, sports or occupational exposures that could increase admission likelihood.
• Compare benefit profiles: Look at day-to-day visit caps, hospital admission limits, waiting periods and excess options to assess out-of-pocket exposure.
• Get a personalised quote and compare plan options to match monthly budget and benefit needs.

Practical Durban scenarios (no individual examples)

• Young professionals: Lower day-to-day use but want solid hospital protection for accidents and unexpected admissions.
• Families with children: Strong day-to-day benefits reduce out-of-pocket costs for frequent clinician visits and immunisations.
• Retirees: Higher hospital limits provide protection for surgical events and longer admissions.

Provider access and network considerations

Affinity Health members can find private clinicians and hospital providers across South Africa. Use our provider search to locate in-network clinicians and hospitals in Durban and surrounding areas: Find a provider and Find a hospital provider. Checking provider availability helps ensure timely care when you need it.

Next steps - compare, quote, join

Compare combined plan options, request a personalised quote and choose plan options that meet your Durban household’s needs. Get a quote online, compare benefits side-by-side and join a plan that fits your monthly budget. For plan choices aimed at specific age groups, see Junior and Senior options: Junior Cover and Senior Cover.

Sources

• Affinity Health - Combined Plan details
• Affinity Health - Day-to-Day Cover overview
• Affinity Health - Hospital Plan guide
• National Department of Health - South Africa