Budget-friendly combined Health Insurance designed for North West residents

If you live or work in the North West province and are seeking affordable, comprehensive Health Insurance that covers both routine care and in-hospital events, Affinity Health offers plan options built for everyday needs and major medical costs. Our combined plans pair day-to-day benefits with hospital protection so individuals, families and professionals can manage both small claims and larger hospital bills without unexpected financial strain.

What a combined plan covers

• Day-to-day benefits: GP consultations, basic dental and optometry access, and acute medicines within defined benefit limits.
• Hospital cover: In-hospital admissions, theatre and ward fees, and approved in-hospital procedures and scans.
• Support services: Telehealth consultations for remote advice and Emergency Medical Response coordination where included in the plan.

Who benefits most in North West

• Young professionals needing predictable monthly costs and GP access.
• Families with children who require frequent routine care and maternity planning.
• Retirees and older adults seeking solid in-hospital protection for surgical and acute events.

Affinity Health’s Standard Range and Innovator plan options include combined plans suitable for people aged 18-54, while Junior and Senior ranges serve children and those 55+. Group Cover is available for workplace groups. To review plan groups and suitability, see our combined plan overview and Junior and Senior information pages for age-specific guidance.

Compare plan options and view detailed benefit summaries on the combined plan page to match cover to your household composition and health priorities. For an immediate look at options that include day-to-day plus hospital cover, visit our combined plan information.

Explore combined plans • Day-to-day benefits explained

Provider access and using private care in North West

Access to private hospitals, GPs and other healthcare practitioners matters. Affinity Health policyholders can view available providers across the province to confirm convenience of care. Check our provider search to confirm nearby hospitals and healthcare practitioners covered under your chosen plan option.

Ready to compare options and get a personalised quote? Use the online quote tool or request a plan comparison to see which combined option suits your budget and needs.

Get a quote now or compare plans to find a balance between routine access and hospital protection for your family.

How to choose an affordable combined plan in North West

Selecting the right combined plan involves assessing family size, ages, routine care frequency and tolerance for out-of-pocket costs at the point of service. Follow a simple decision process to narrow options and control monthly premiums while keeping essential protection.

Step-by-step selection guide

• List expected routine needs for a year: GP visits, dental check-ups, eyecare and medicines.
• Decide hospital priorities: surgical cover, in-hospital scans and theatre access.
• Compare combined plan summaries: confirm day-to-day limits, in-hospital inclusions and waiting periods.
• Check provider access: confirm that preferred hospitals and healthcare practitioners appear in the provider search.

Practical budgeting and affordability tips

• Balance higher day-to-day limits for families with children against modest hospital limits if major-event risk is low.
• Consider middle-range combined plans if you want both routine access and meaningful in-hospital protection without high premiums.
• Review waiting periods and inpatient definitions in plan documents so there are no surprises when care is needed.

Affinity Health offers clear plan descriptions for the Standard Range and Innovator combined plans that help you compare benefits. For children, the Junior range includes combined options suited to ages 0-17, and the Senior range provides combined choices for members 55 and older. Learn more about Junior and Senior combined options to ensure age-appropriate cover.

If you need to find where you can use your cover locally, use our provider directory to search hospitals and other healthcare practitioners in the North West province before you join.

Junior cover details • Senior cover overview

Next steps for residents of North West

• Compare combined plans and confirm provider access for your area.
• Request a quote online to see exact premiums for your household composition.
• Join now or compare plan options side-by-side to select the most budget-friendly combination of day-to-day and hospital benefits.

Find out more about plan groups and use the provider search to confirm in-province access: Find a hospital provider or explore our homepage for an overview of Affinity Health plan options and values.

Sources

• Affinity Health - Homepage
• Affinity Health - Combined Plan information
• National Department of Health South Africa - Official guidance
• Statistics South Africa - Health indicators