Practical combined cover for couples who want affordability and peace of mind

Finding cheap complete health insurance for couples means balancing routine healthcare needs with protection against large in-hospital costs. Affinity Health offers combined plan options designed for couples, families and working professionals across South Africa who want both everyday care and hospital protection without unaffordable premiums. Our combined plans pair day-to-day benefits with in-hospital cover so you can manage regular GP visits, basic dentistry and acute medicines while having strong protection for admissions, theatre and ward fees with approved attending clinicians.

What a combined plan for couples includes

• Day-to-day benefits: GP consultations, basic dentistry and optometry network access where applicable.
• Hospital benefits: In-hospital admissions, theatre and ward fees, approved attending clinician fees and in-hospital procedures.
• Support services: Remote consultations and advice lines plus Emergency Medical Response coordination where the plan provides it.

Couples often choose a combined plan to reduce the chance that routine care costs are skipped and to avoid large, unexpected hospital bills. Choosing the right combined option depends on ages, ongoing health needs and monthly budget. For plan details and benefit summaries, view our combined plan pages and compare the day-to-day inclusions with hospital benefits.

Compare plan features and benefit descriptions on the Affinity Health Combined Plan page for individual and family options: Combined Plan. To review the everyday care portion in detail, see the Day-to-Day page: Day-to-Day Plan.

How couples can keep premiums low

• Choose plan options that prioritise either stronger day-to-day benefits or higher in-hospital limits depending on likely needs.
• Consider selecting higher voluntary excess levels to lower monthly cost while keeping core protection for major events.
• Review combined plan inclusions to avoid paying for services you rarely use.

Why Affinity Health for couples

• Focused on affordable, reliable cover designed for South Africans since 2011.
• Clear plan options that make it easy to combine day-to-day care with hospital protection in one budget-friendly plan.
• Access to our provider information so you can find participating facilities and clinicians quickly.

Learn how combined plans work and which option fits your household needs on the hospital plan overview: Hospital Plan.

Choosing the right combined plan for couples - step-by-step

Follow these practical steps to decide which cheap complete health insurance for couples matches your needs:

Step-by-step selection guide

• List routine needs: estimate annual GP visits, dental check-ups and eyewear or optometry needs for both partners.
• Consider medical risk: planned procedures, chronic conditions or work-related risks that may increase the likelihood of hospital admission.
• Compare benefit levels: review combined plan options and the impact of different excess choices on monthly premiums.
• Check provider access: confirm participating private hospitals and network clinicians near you to ensure smooth admissions and consultations.

Practical South African use cases

• Young professional couples often prioritise stronger day-to-day benefits for GP access and acute medicines while keeping mid-level hospital limits.
• Older couples or those with planned procedures may prioritise higher in-hospital limits to reduce out-of-pocket exposure for surgery and admissions.

Compare plans at a glance

To view participating hospitals and clinicians, use our provider finder and confirm access in your area: Find a Hospital Provider and the general provider directory: Find a Provider.

Sources

• Affinity Health - Combined Plan details
• Affinity Health - Day-to-Day benefits
• Affinity Health - Hospital Plan overview
• South African National Department of Health - official guidance