Affordable combined medical insurance designed for Johannesburg households

If you live or work in Johannesburg and need reliable, budget-friendly Medical Insurance that covers both routine care and in-hospital events, a combined plan can be the practical solution. Affinity Health offers combined plan options that bring day-to-day benefits together with hospital protection so you can manage both small, frequent costs and large, unexpected bills with one monthly premium.

What a combined plan includes

• Day-to-day benefits: GP consultations, basic dentistry and optometry network access, and acute medication allowances.
• Hospital benefits: In-hospital admissions, theatre and ward fees, approved clinician fees and in-hospital procedures.
• Support services: Remote consultations and Emergency Medical Response coordination where available under the plan rules.

Who in Johannesburg benefits most

• Young professionals seeking predictable monthly costs and quick GP access.
• Families with children who need regular wellness visits and immunisations.
• Retirees looking for in-hospital protection while keeping routine care affordable.

Affinity Health’s combined plan options are built to help members in urban centres like Johannesburg access private care without excessive premiums. Learn about the combined plan structure, benefit lists and examples of what’s included on our Combined Plan page: Affinity Health - Combined Plan.

How Affinity Health keeps combined plans budget-friendly

• Clear benefit design so you pick day-to-day and hospital benefit levels that match your budget and needs.
• Plan options that focus on core services to keep monthly premiums manageable for individuals and families.
• Wide provider access so you can use affiliated clinics and hospitals across the city with predictable billing pathways.

Compare day-to-day benefit details and what they cover on our Day-to-Day page to decide the right balance for your household: Affinity Health - Day-to-Day Cover.

Provider access in Johannesburg

Affinity Health members can find participating clinicians and hospital providers through our provider directories. Use the provider search to locate private hospitals and outpatient clinicians near you and confirm which locations accept your plan: Find a Provider.

Choosing the right combined plan for Johannesburg living

Selecting the correct combined plan depends on household size, ages, anticipated routine care and tolerance for out-of-pocket costs. Below are practical steps to help you compare options and get started.

Step-by-step selection guide

• Estimate routine needs: Count expected GP visits, dental check-ups and eyewear replacements per year.
• Consider hospital risk: Think about potential surgical needs, planned procedures or lifestyle risks that could lead to hospital admission.
• Compare plan options: Look at day-to-day visit caps, hospital limits, and any applicable waiting periods before benefits apply.
• Get a quote: Compare monthly premiums for your household composition and select a plan option that keeps essentials within your budget.

Practical Johannesburg scenarios

• Young professional: Prioritise stronger day-to-day benefits for GP access and remote consultations while keeping in-hospital limits mid-range.
• Family with children: Increase day-to-day allowances for frequent child healthcare visits and ensure in-hospital cover for major events.
• Retiree household: Emphasise higher hospital limits while retaining sufficient day-to-day care for routine check-ups.

To review hospital-specific inclusions and in-hospital definitions, see our Hospital Plan guide which explains how admissions, theatre fees and approved clinician costs are handled under a combined plan: Affinity Health - Hospital Plan.

How to get started

• Compare plans and request a quote online to see monthly premiums for your household makeup.
• Review benefit lists and waiting periods before joining to ensure the plan meets your immediate needs.
• Complete the online application and arrange payment to begin cover as soon as possible under the plan rules.

Get a quote today to compare combined plan options and find a budget-friendly solution for Johannesburg living. Use the combined plan comparison and get personalised pricing to decide with confidence.

Sources

• Affinity Health - Combined Plan details
• South African Department of Health - official information
• Statistics South Africa - health indicators