Balanced Health Cover for Couples: Everyday Care Plus In-Hospital Protection

Couples need health cover that protects routine healthcare - GP visits, basic dentistry, and acute medicines - while also guarding against larger in-hospital costs from accidents, surgery or serious illness. Affinity Health offers a range of budget-friendly combined plans that pair day-to-day benefits with hospital protection so you can plan monthly expenses and avoid unexpected large bills. Review plan options, compare benefits, and get a quick quote to see the best fit for your household.

What a combined plan for couples typically includes

• Day-to-day benefits: GP consultations, basic dental check-ups, optometry network access, and cover for acute medicines up to benefit limits.
• Hospital benefits: In-hospital admissions, theatre and ward fees, approved healthcare practitioner fees during inpatient treatment, and hospital-based scans or procedures.
• Support services: Remote consultations for urgent advice and emergency medical response coordination when required.

Why couples choose combined cover

• Predictable budgeting: One monthly premium covers both routine care and major events, reducing surprises.
• Complementary protection: Day-to-day benefits keep minor issues from becoming major problems that require hospital care.
• Affordability: Plan options and excess choices allow couples to match cover to their monthly budget.

Compare core plan options and see which benefit levels suit you by visiting the combined plan overview on our site: Affinity Health - Combined Plan. If you mainly want stronger day-to-day benefits for frequent GP visits, review day-to-day details here: Affinity Health - Day-to-Day Cover. Ready to compare pricing and start an application? Get a quote now to see plan options tailored to two adults.

How benefit limits and excess choices affect premiums

• Higher day-to-day limits raise the cost but reduce out-of-pocket spending for routine visits.
• Higher hospital limits provide stronger protection for major events but increase the monthly premium.
• Selecting a higher excess lowers the premium and means you pay more at the time of a claim; choosing a lower excess increases monthly cost while reducing out-of-pocket amounts during a claim.

See the full plan descriptions and benefit breakdowns to compare what each combined option covers and determine which configuration fits your household. Use the provider directory to confirm nearby private hospitals and approved healthcare practitioners in your area: Find a Provider.

Choosing the Right Combined Plan for Two Adults

Selecting the best combined plan depends on age, health needs, and how often you expect to use routine services. Young couples often prioritise stronger day-to-day benefits for frequent check-ups and acute medicines. Couples approaching retirement or with pre-existing concerns may choose higher hospital limits. Follow the steps below to decide and compare options.

Step-by-step selection guide

• List routine needs: Estimate GP visits, dental check-ups and expected prescriptions for the next 12 months.
• Assess risk: Consider activities or occupations that increase injury risk and any planned procedures.
• Compare plans: Review combined plan benefits side-by-side and check in-hospital inclusions and waiting periods.
• Request quotes: Use our online quote tool to compare premiums for two adults and select a budget-friendly option.

Practical South African use cases (no personal data)

• City commuters who want reliable GP access and strong inpatient protection for accidents or urgent surgery.
• Couples planning a family who need routine antenatal care covered through day-to-day benefits paired with hospital protection for childbirth.
• Professionals who prefer fewer out-of-pocket costs for frequent consultations while keeping hospital preparedness high.

Affinity Health’s combined plans are designed to be budget-friendly for South African households. Compare plan options, check provider availability in your area, and get a fast quote to see monthly premiums for two adults. Start by visiting our homepage to explore plan groups and options: Affinity Health - Home. When you’re ready, click Get a quote, Join now or Compare plans on the combined plan page to begin.

What to confirm before you join

• Waiting periods for specific benefits and any exclusions listed in the plan documents.
• Which in-hospital procedures are covered and how authorisations are handled for admissions.
• How remote consultations operate for urgent advice and whether they are included in your chosen plan.

Sources

• Affinity Health - Combined Plan
• Affinity Health - Day-to-Day Cover
• Affinity Health - Hospital Plan
• Statistics South Africa - Health Indicators