Budget-friendly combined cover that balances routine care and in-hospital protection

A cheap combination health plan South Africa search usually means you want both everyday healthcare access and protection from large hospital bills - while keeping monthly premiums manageable. Affinity Health offers combined plan options that pair day-to-day benefits with in-hospital cover to meet those needs for young professionals, families with children and retirees.

What a combined plan includes

• Day-to-day benefits: GP consultations, basic dentistry and optical services subject to benefit limits.
• Hospital benefits: In-hospital admissions, theatre and ward fees, in-hospital diagnostic procedures and approved healthcare practitioner fees.
• Support services: Virtual consultations and emergency medical response where applicable under the plan rules.

How Affinity Health keeps combined plans affordable

• Clear plan options so you choose the level of day-to-day and hospital benefits for your budget.
• Simple product structure focused on essential cover to reduce unnecessary costs for common consumers.
• Practical excess and co-payment choices to lower monthly premiums while protecting against major expenses.

If you want a quick overview of the combined offering, see our dedicated combined plan information: Affinity Health - Combined Plan. For details on day-to-day elements, review the day-to-day overview: Day-to-Day Cover. If you primarily want in-hospital protection with optional routine benefits, read about our hospital plan: Hospital Plan.

Benefit breakdown - what to expect

Choosing a cheap combination health plan South Africa requires balancing how often your household uses routine services with how much protection you need for hospital events. Affinity Health’s combined options are designed to make that balance straightforward and budget-friendly.

Choosing the right combined plan for your household

Start by listing expected routine needs (GP visits, dental check-ups, eyewear) and any foreseeable hospital risks. Young families often prioritise stronger day-to-day cover, while older adults may favour higher in-hospital limits. Follow these simple steps to compare plans and get a practical quote.

Step-by-step selection guide

• Estimate annual routine use: number of GP visits, dental appointments and optical purchases.
• Decide acceptable monthly premium range and how much out-of-pocket risk you can absorb in the event of hospitalisation.
• Compare plan options side-by-side and request a personalised quote to confirm exact pricing and waiting periods.

Provider access and everyday convenience

Affinity Health provides access to a wide network of private hospitals and healthcare practitioners across South Africa. To find a participating hospital near you, use our provider finder: Find a hospital provider. To locate day-to-day practitioners in the network, see: Find a healthcare practitioner.

South African scenarios and use cases

• Young professional: prioritise affordable monthly premiums and solid day-to-day cover for minor acute care and virtual consultations.
• Family with children: choose higher day-to-day allowances to cover frequent GP visits and child healthcare needs.
• Retiree or older adult: prioritise increased in-hospital limits while keeping day-to-day benefits at a practical level.

Ready to join? Compare plans and join now online using the combined plan page to find the best cheap combination health plan South Africa for your budget and family composition.

Sources

• Affinity Health - Combined Plan information
• Affinity Health - Day-to-Day Cover
• Statistics South Africa - Health and population indicators
• South African Department of Health - Official information