Affordable combined Health Insurance designed for Pietermaritzburg families and professionals

A combined plan brings day-to-day benefits and hospital cover into one budget-friendly solution, helping you manage routine GP visits and protect against high in-hospital costs. Affinity Health offers plan options focused on affordability, straightforward benefits and a wide provider network so Pietermaritzburg residents can access private care with confidence. Whether you are a young professional, a parent with children, or a retiree, a combined plan can provide predictable monthly costs and essential protection when it matters most.

What a combined plan includes

• Day-to-day benefits: GP consultations, basic dental and optometry network access, and acute medicines (subject to plan limits).
• Hospital benefits: In-hospital admissions, theatre and ward fees, approved clinician fees and in-hospital scans or procedures.
• Support services: Remote consultations with a Healthcare Practitioner for quick advice and Emergency Medical Response coordination when required.

Affinity Health presents combined plan options across age ranges: Junior (0-17), Standard (18-54), Innovator (18-54 with alternative combinations) and Senior (55+). Group Cover is available for employer groups. To compare combined plan details and the exact benefit mix, review our Combined Plan page: Affinity Health - Combined Plan.

Why choose a budget-friendly combined plan in Pietermaritzburg?

• Predictable budgeting: One monthly premium covers routine care and in-hospital events, reducing unexpected out-of-pocket shocks.
• Convenient access: Use our provider network for private consultations and in-hospital care.
• Practical protection: Useful for families with children, commuters, and older adults who want essential in-hospital protection plus everyday care.

How benefits are organised

Note: benefit limits, visit caps and waiting periods vary by plan option. You cannot change benefit levels inside a single plan; to alter cover you would move to a different plan option that better matches your needs.

If routine care is a priority - for example frequent child GP visits or annual optometry needs - consider comparing our day-to-day detail alongside combined options: Day-to-Day benefits.

Selecting the right combined plan for your Pietermaritzburg household

Choosing a plan depends on family size, ages, and how often you use healthcare services. Young families frequently prioritise stronger day-to-day benefits, while older adults often place higher value on generous in-hospital limits. Use the steps below to guide your selection and compare plan options side-by-side.

Step-by-step selection guide

• Inventory your needs: Count expected GP visits, dental checks and eyewear replacements per year.
• Assess risk exposure: Consider any planned procedures or occupational risks that could lead to in-hospital treatment.
• Compare plan options: Look at visit limits, in-hospital inclusions, waiting periods and the co-payment structure.
• Get a personalised quote: Use the Combined Plan page to compare options and choose a plan option that fits your monthly budget and protection needs: Compare combined plans.

Provider access and local care in Pietermaritzburg

Affinity Health’s provider listings help you find in-hospital and out-of-hospital clinicians across the region. Before a planned admission, confirm that the facility and clinician accept your plan’s terms and pre-authorisation requirements. Use our provider search to locate suitable hospital providers near Pietermaritzburg: Find a hospital provider.

South African use cases - who benefits most

• Young professionals who want routine GP access plus cover for unexpected surgery.
• Families with children needing frequent GP visits and basic dental cover.
• Retirees seeking in-hospital protection with modest day-to-day allowances.

Affinity Health also offers the Innovator range with six combination plan options for individuals aged 18-54, plus Junior and Senior combined options for their respective age groups. For employer groups, Group Cover offers combination plans exclusively for groups - see more at the Group Cover page if you represent an employer or scheme administrator: Group Cover.

Next steps - get a quote and compare

• Gather basic household details (ages and number of dependants).
• Compare combined plan options and view the detailed benefit schedules online.
• Request a quote and choose the plan option that fits your monthly budget.

Ready to compare plans? Get a quote via the combined plan page and join now to start cover from the selected effective date. For personalised assistance, our online pages walk you through common questions and plan comparisons.

Sources

• Affinity Health - Combined Plan details
• Affinity Health - Day-to-Day benefits
• National Department of Health - South Africa
• Statistics South Africa - Health indicators