Affordable combined protection for everyday care and hospital events

A combined health plan brings together day-to-day benefits and in-hospital protection in one budget-friendly package. For young professionals, families with children and retirees across South Africa, this approach reduces the risk of skipping routine care while ensuring protection from large hospital bills. Affinity Health specialises in straightforward, lower-cost Health Insurance with clear plan options that help you manage monthly costs without sacrificing core coverage.

What a combined plan typically includes

• Day-to-day cover: GP consultations, basic dental and optometry benefits, and acute medicines subject to benefit limits.
• Hospital cover: In-hospital admissions, theatre and ward fees, approved healthcare practitioner fees and in-hospital procedures.
• Support services: Remote consultations for minor concerns and Emergency Medical Response access when required.

Choosing an affordable combined plan means balancing the level of routine benefits with hospital limits and selected co-payment options. Affinity Health offers plan options across age ranges including young adults (Standard Range and Innovator), families with children (Affinity Junior), and those 55+ (Affinity Senior). Learn more about combined plans on our Combined Plan page: Affinity Health - Combined Plan.

How affordability is achieved

• Clear benefit design and defined visit limits keep premiums predictable.
• Budget-friendly excess and co-payment choices reduce monthly costs while protecting against large claims.
• Plan options across Junior, Standard and Senior ranges help match cover to household composition and age.

Who benefits most from a cheap combined plan

• Young professionals who need routine GP access and protection from unexpected surgery or accidents.
• Families seeking predictable monthly costs for child healthcare and occasional specialist-led in-hospital care.
• Retirees wanting basic day-to-day support and reliable in-hospital protection without excessive premiums.

Affinity Health’s combined options are designed to be accessible and straightforward so you can choose the right balance of routine and in-hospital cover. For details on day-to-day benefits that pair with hospital cover, see our Day-to-Day Cover page: Day-to-Day Cover. This helps you understand how routine consultations and acute medicines are managed alongside hospital protection.

Compare combined options and pick the right plan option

Comparing plan options means looking at benefit limits, in-hospital limits, co-payments and waiting periods. Use a side-by-side comparison to estimate likely annual use of day-to-day services and potential exposure to hospital costs. A clear comparison helps keep monthly premiums low while protecting you from major financial risk.

Simple comparison table

Practical steps to get started

1. List routine needs: estimate GP visits, dental and optometry requirements for the household.
2. Assess risk exposure: consider occupational or recreational risks that could result in hospital admission.
3. Compare plan options and co-payment choices to estimate monthly costs and out-of-pocket exposure.
4. Request a personalised quote to confirm exact premiums and plan inclusions - get an immediate quote online and compare plans now.

For more detail on in-hospital inclusions and how hospital events are managed, read our Hospital Plan guide: Hospital Plan details. To check available providers in your area, use our provider finder: Find a provider.

What to review in plan documents

• Benefit limits for day-to-day services and any visit caps.
• Summary of in-hospital inclusions and approved healthcare practitioner procedures.
• Waiting periods for specific benefits and the co-payment structure.

Sources

• Affinity Health - Combined Plan details
• Affinity Health - Day-to-Day Cover
• Affinity Health - Hospital Plan guide
• National Department of Health South Africa - official information