Practical combined health cover for Gauteng households and professionals

A combination health plan bundles routine out-of-hospital benefits with in-hospital protection so you and your family can manage everyday care without sacrificing cover for major events. Affinity Health offers budget-friendly plan options for young professionals, families with children and retirees across Gauteng - providing predictable monthly costs and broad access to private providers.

What a combined plan includes

• Day-to-day cover for GP consultations, basic dentistry and acute medicines (subject to benefit limits).
• Hospital cover for in-hospital admissions, theatre and ward fees, approved specialist fees and hospital procedures.
• Remote consultations with a Healthcare Practitioner and support services for urgent care decisions.

Which Affinity Health plan groups offer combination plans?

• Standard Range (ages 18-54): One combination plan available for everyday and in-hospital needs.
• Junior (ages 0-17): A combined option that pairs child-focused day-to-day benefits with hospital protection; ideal for families.
• Senior (ages 55+): A combined plan aimed at older adults who need in-hospital security with essential out-of-hospital services.
• Innovator (ages 18-54): Six combination plan options for individuals wanting different benefit balances.
• Group Cover: Eight combination plans available exclusively to qualifying groups and employers.

Why a combined plan can be more economical in Gauteng

• Consolidated monthly payments reduce the need to budget separately for routine visits and unexpected hospital costs.
• Access to private providers in Gauteng helps reduce waiting times and supports continuity of care.
• Plan options allow you to prioritise the benefits that matter most to your household and budget.

Learn more about Affinity Health combined plan details and benefit structure on the Combined Plan page. If you want to check which private Healthcare Practitioners or hospitals are available in Gauteng, use our provider search for non-hospital services at Find a Provider or find private hospitals at Find a Hospital Provider.

Compare how combined plans work for different Gauteng households

Choosing the right combined option depends on age, expected routine use, and how much protection you want for in-hospital events. Young professionals often favour stronger day-to-day benefits and moderate hospital limits, while families prioritise paediatric day-to-day cover plus sound hospital protection for accidents and surgery.

Key factors to compare

• Annual limits and visit allowances for day-to-day services.
• Hospital benefit limits, in-hospital procedure inclusions and definitions of approved fees.
• Waiting periods for specific benefits such as maternity or certain procedures.
• Co-payments or excess choices that affect your monthly premium and out-of-pocket exposure.

How to get an accurate quote

• Decide which family members to include and confirm their ages.
• Compare combination plan options in the Standard Range or Innovator Range depending on your age group.
• Request a personalised price estimate and compare benefit details side-by-side.

For a clearer view of out-of-hospital benefits, review our day-to-day cover description at Day-to-Day Plan. For a focused look at in-hospital inclusions, see the hospital plan overview at Hospital Plan.

Gauteng-specific considerations

• Provider density in Gauteng offers strong access to private Healthcare Practitioners and hospitals across metropolitan and suburban areas.
• Prices do not vary by location - premiums reflect age and chosen plan option rather than where you live in the country.
• Group Cover options may be available if your employer offers Affinity Health group solutions.

Ready to compare plans? Get a quote online to see which combination plan matches your household needs, or compare multiple plan options side-by-side to choose the best balance between routine care and in-hospital protection. Join now and secure predictable monthly cover that keeps private care within reach.

Sources

• National Department of Health, South Africa - official health information
• Statistics South Africa - health and population indicators
• World Health Organization - South Africa country profile