Affordable combined cover built for singles

A cheap combined health plan for singles brings together day-to-day benefits and in-hospital protection in one budget-friendly option. For South African individuals aged 18-54, this means access to routine GP visits, basic dentistry and acute medicine benefits alongside cover for theatre, ward fees and approved in-hospital procedures. Affinity Health designs plan options that focus on core needs while keeping monthly costs predictable.

What a combined plan typically includes

• Day-to-day benefits: GP consultations, basic dentistry, optometry network access and acute medicine for short-term illnesses.
• Hospital benefits: In-hospital admissions, theatre and ward fees, attending clinician fees and in-hospital scans or procedures.
• Support services: Remote consultations and telephonic authorisations for acute care advice, and Emergency Medical Response coordination where required.

Affinity Health offers a Standard combined plan suitable for singles 18-54 as well as additional combination plan options in our Innovator range for those who want different benefit mixes. Learn more about the combined plan structure and what each plan pays for routine versus in-hospital events.

Compare plan inclusions and limits on the official combined plan page to see which day-to-day benefits and in-hospital limits match your needs. For immediate pricing, check the table of current premiums and pricing information to view sample monthly costs and banding information.

Useful links: Combined plan details and current premiums and pricing provide official plan descriptions and pricing ranges.

Why a single adult might choose a combined plan

• Predictable budgeting: One monthly premium covers routine visits and major in-hospital costs, reducing unexpected high bills.
• Access to private care: Use an extensive provider network for faster consultations and admissions when needed.
• Balanced protection: Day-to-day benefits stop small out-of-pocket visits from becoming larger financial burdens while hospital cover protects against major events.

If you prefer a narrower day-to-day focus or higher in-hospital limits, Affinity Health also publishes other plan options - review the Innovator range for alternative combination plans that may suit different budgets and health priorities.

Choose the right cheap combined health plan for your lifestyle

Selecting the best plan for a single adult depends on your typical use of healthcare, any planned procedures and how much you want to pay each month. Use the practical checklist below to narrow choices quickly.

Selection checklist for singles

• Estimate routine visits per year: GP consultations, dental check-ups and optometry visits.
• Decide on acceptable out-of-pocket risk for major events and pick an appropriate in-hospital limit.
• Review waiting periods for certain benefits and any exclusions listed in plan documents.

Practical tips to reduce monthly cost

• Choose plan options with day-to-day limits aligned to your actual usage rather than the highest possible limits.
• Consider modest excess choices or co-pay amounts to lower the premium while retaining core in-hospital protection.
• Compare the Standard combined plan with Innovator combination plans to find the most budget-friendly balance of benefits.

Affinity Health’s Innovator range includes several combination plans for individuals who want alternative benefit mixes. If you want to check provider availability before you apply, find network hospitals and clinicians near you using our provider search tools.

Ready to compare options? Get a quote, compare plan inclusions and join now using the online tools. Affinity Health’s streamlined application is designed for quick decisions and transparent plan documents so you know what is covered and what is excluded.

Helpful internal resources: Innovator range overview and the Find a provider tool help you compare plan options and confirm participating clinicians and hospitals.

What to watch for in plan documents

• Benefit limits and visit caps for day-to-day services.
• Definitions of in-hospital events and which procedures are covered when admitted.
• Any waiting periods for specific services such as maternity or planned procedures.

For exact premiums and to confirm the cheapest option for your age and needs, view the official premium table. Once you have a shortlist, use the online quote tool to compare monthly costs and join the plan that fits your budget.

Sources

• Affinity Health - Combined plan information
• Affinity Health - Current premiums and pricing
• National Department of Health South Africa - Health information
• Statistics South Africa - Health indicators