Complete protection without high premiums

Finding budget-friendly, comprehensive Medical Insurance in Sandton means balancing routine care with in-hospital protection. Affinity Health offers combined plans that pair day-to-day benefits with hospital cover so individuals, families with children, young professionals and retirees can access private care without unexpected large bills. Our plans are designed around predictable monthly costs and straightforward benefit outlines suitable for South African households.

What a combined plan covers

• Day-to-day benefits such as GP consultations, basic dental and optical network access within stated limits.
• Hospital benefits covering in-hospital admissions, theatre and ward fees, approved in-hospital procedures and surgeon fees.
• Support services including virtual consultations and Emergency Medical Response coordination for urgent incidents.

Who in Sandton benefits most

• Young professionals who need reliable GP access and protection against the cost of surgery.
• Families with children who require frequent routine visits plus in-hospital safety for serious events.
• Retirees wanting hospital limits with some out-of-hospital support for minor care.

Affinity Health’s combined plan options are part of ranges that suit different age groups and needs: Standard Range and Innovator plans for adults, Junior plans for children and Senior plans for those 55+. Learn about combined options and plan formats on our combined plan page and see how day-to-day benefits work on the day-to-day page.

Key affordability features

• Consolidated monthly premium for both routine and hospital costs reduces the chance of skipping care.
• Plan options let you prioritise which benefits to strengthen while keeping premiums within budget.
• Nationwide provider access and clear benefit lists help manage out-of-pocket exposure.

If you want to compare plan structures or check current pricing guidance, view our current pricing for accurate premium information before choosing a plan.

Compare options and choose the right level for your household

Selecting the right combined plan in Sandton depends on household size, ages, expected routine visits and appetite for modest out-of-pocket costs. Follow a simple process to decide: list routine needs, estimate year-ahead consultations, and match those to the plan option that provides sufficient day-to-day limits while keeping hospital limits adequate for major events.

Step-by-step selection guide

• Inventory routine care: count expected GP visits, dental check-ups and eyewear needs.
• Anticipate hospital risk: consider planned procedures or family medical history that could require admission.
• Compare plan options to balance monthly premium and out-of-pocket exposure for the coming year.
• Use official pricing to confirm exact monthly premiums for your household composition before applying.

Quick comparison table

Practical Sandton scenarios

• Families with young children often select higher day-to-day limits to cover frequent GP visits and routine care.
• Professionals prioritise moderate day-to-day benefits and dependable hospital limits for unexpected surgery.

To check hospital-specific providers in your area before you join, use the provider finder on the hospital page: hospital plan details and providers. When you are ready, get a quote or compare plans to see exact monthly premiums and plan inclusions - you can compare combined plans side by side.

Sources

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