Budget-Friendly Combination Health Plans for Employee Groups

Employers and HR teams seeking a cheap combination health plan for employees need clear, reliable options that balance routine out-of-hospital benefits with robust in-hospital protection. Affinity Health offers Group Cover plans exclusively for groups, providing a selection of combination plans that help employers manage costs while giving staff access to private healthcare services and remote consultations with a healthcare practitioner.

Why group combination plans work for employers

• Predictable budgeting: Single monthly premium per member simplifies payroll deductions and cost planning.
• Comprehensive protection: Combine day-to-day benefits with hospital cover so employees can access routine care and in-hospital treatment when needed.
• Administrative ease: Group Cover is designed for organisations, with options that suit different workforce sizes and needs.

Core plan components explained

• Day-to-day benefits: GP consultations, basic dentistry and optometry access, and acute medicines for routine health needs delivered through participating providers.
• Hospital benefits: In-hospital admissions, theatre and ward fees, approved in-hospital procedures and selected scans when admitted to a hospital.
• Support services: Remote consultations with a healthcare practitioner for immediate advice and coordinated Emergency Medical Response where applicable.

Quick plan comparison - what employers should weigh

To review the full set of Group Cover plans and decide which combination option best fits your workforce, visit the Group Cover overview and the combined plan information pages for detailed feature lists and eligibility rules.

Learn more about Group Cover plan options and how they apply to working-age employees on our group information page: Affinity Health - Group Cover.

Putting Affordability into Practice for Employers

A cheap combination health plan for employees should lower the risk of lost workdays and large unexpected bills while staying within company budgets. Start by assessing workforce demographics, typical healthcare usage and any occupational risk exposures. Group Cover is aimed at working-age adults and offers plan options to fit those requirements.

Step-by-step selection and implementation guide

• Assess employee needs: Survey staff to understand common routine needs (GP visits, dental, eye care) and potential in-hospital risks.
• Choose benefit balance: Decide whether stronger day-to-day access or higher in-hospital limits matter more for your workforce.
• Compare plan options: Use the combined plan descriptions to match the right balance of benefits and cost-efficiency.
• Communicate clearly: Explain enrolment, waiting periods and how to access participating providers to reduce confusion and claims delays.

Practical employer considerations

• Enrolment size: Larger groups often unlock more competitive pricing and streamlined administration.
• Member support: Ensure employees know how to use remote consultations with healthcare practitioners and how to find participating providers.
• Provider access: Help staff locate nearby participating hospitals and primary-care providers to make care convenient.

Direct your HR team to the combined plan overview for full benefit breakdowns and to the provider directory to locate participating GPs and hospitals: Affinity Health - Combined Plan and Find a Provider.

Comparing plan value - checklist for HR

• Monthly premium per member and how it fits payroll budgets.
• Benefit limits for common services and typical out-of-pocket exposure for employees.
• Waiting periods that apply to specific services and admissions.
• Ease of claims submission and member support channels.

Sources

• Affinity Health - Group Cover
• Affinity Health - Combined Plan
• Affinity Health - Find a Provider
• National Department of Health South Africa - Health Services
• Statistics South Africa - Health Indicators

For an employer-focused discussion about plan options and a tailored group quote, start by reviewing our Group Cover details and the combined plan summary to compare benefits and implementation timelines.