Practical combined Health Insurance for families and busy professionals

A combined plan brings day-to-day care together with in-hospital protection so routine visits and major medical events are managed under one monthly premium. Affinity Health focuses on making private Health Insurance accessible and budget-friendly for South African families, young professionals and retirees who want predictable costs and reliable access to private care.

What a combined plan covers

• Day-to-day benefits: consultations with GPs, basic dentistry and optometry access, and short-term acute medicines where included.
• Hospital benefits: approved in-hospital admissions, theatre and ward fees, and in-hospital procedures when required.
• Support services: virtual consultations with a healthcare practitioner and coordinated Emergency Medical Response when needed.

Why choose an affordable combined plan?

A combined approach reduces the chance that routine care costs are deferred while still protecting you from large bills for surgery or admission. For families, this means easier budgeting and faster access to private clinicians when it matters most.

How Affinity Health keeps combined plans affordable

• Clear plan options with predictable monthly premiums and defined benefit limits to match household budgets.
• Large provider networks for quicker private access - find local clinicians and hospitals via our provider tools.
• Designed for South African households: simple cover rules, transparent benefit descriptions and practical waiting periods where applicable.

Compare specific combined plan details and what is included on the Affinity Health combined plan page to see how day-to-day benefits and in-hospital protection work together for families: Affinity Health - Combined Plan. For a focused view on routine care limits, review our day-to-day page: Affinity Health - Day-to-Day Plan.

Feature comparison at a glance

Choosing the right combined plan for your family

Selecting the best combined option depends on family size, ages and typical healthcare use. Young families often prioritise strong day-to-day benefits for child healthcare and immunisations, while older members may place more emphasis on higher in-hospital limits.

Step-by-step selection guide

• List annual routine needs: expected GP visits, dental check-ups and eyewear replacements.
• Estimate risk exposure: any planned procedures or household activities that increase likelihood of in-hospital events.
• Compare plan options: match benefit limits and expected monthly premium to your household budget.

Affordability and practical tips

• Prioritise day-to-day benefits if you have young children or frequent routine visits.
• Choose higher in-hospital benefit limits if older adults live in the household or if occupational risks are present.
• Remember: premiums are the same nationwide - location does not change price.

If you want a fast comparison of plan descriptions and to see which option best suits your household, view our hospital plan details here: Affinity Health - Hospital Plan. Use the provider finder to check participating clinicians and hospital locations near you: Find a Provider and Find a Hospital Provider.

South African use cases and planning

• Young professional household: prioritise day-to-day access and reasonable in-hospital limits to manage unexpected events while keeping monthly costs low.
• Family with schoolchildren: strong day-to-day benefits reduce out-of-pocket expenses for frequent child healthcare.
• Retiree couple: place emphasis on in-hospital benefit levels for peace of mind around major procedures.

Next steps - get started

Compare plan options, get a quote and join now to secure combined cover that suits your household budget. Visit the Affinity Health homepage for plan overviews and quick online quotations: Affinity Health - Home. For plan-specific pages and benefit details, see the combined plan and day-to-day plan links above.

Sources

• Affinity Health - Combined Plan details
• Affinity Health - Day-to-Day Plan
• Affinity Health - Hospital Plan
• Statistics South Africa - Health indicators