Practical combined health cover for Sandton residents

South Africans living or working in Sandton need health cover that balances routine care with protection for major in-hospital events. Affinity Health offers budget-friendly combined plans that pair day-to-day benefits with hospital protection so you can access private care without unpredictable bills. These plans are designed for young professionals, families with children and retirees who want clear benefits, reliable provider access and straightforward pricing.

What a combined plan includes

• Day-to-day benefits: GP consultations, basic dentistry and optical benefits through selected providers and networks for routine care and minor interventions.
• Hospital protection: Cover for in-hospital admissions, theatre and ward fees, approved in-hospital procedures and diagnostic work performed during hospital stays.
• Support services: Remote consultations with a Healthcare Practitioner for urgent advice and coordinated Emergency Medical Response when required.

Why choose Affinity Health in Sandton?

• Focused affordability: Plan options are designed to keep monthly premiums within reach while protecting against large hospital bills.
• Clear benefit structure: Understand what is covered for routine care and what is covered in hospital to reduce surprise out-of-pocket costs.
• Accessible enrolment: Fast online quotes and straightforward applications make it easy to compare cover for your household.

Compare plan options and features on the Affinity Health homepage to see the range that best matches your needs: Affinity Health - Home. For families who prioritise both routine care and hospital protection, our combined plan pages explain typical inclusions and how benefits work: Affinity Health - Combined Plan.

Plan groups to consider

• Standard Range - Core combined options for adults aged 18-54 with straightforward day-to-day and hospital benefits.
• Innovator Range - Alternative combined plan options for individual customers who want different benefit mixes within the 18-54 age group.
• Junior and Senior ranges - Dedicated plan groups for children (0-17) and for people aged 55+, each offering day-to-day, hospital-only or combined choices.

If you want to see which providers accept your plan in Sandton before enrolling, use the provider lookup to confirm access to private hospitals and clinics: Find a hospital provider.

How to choose the right level of cover for your household

Selecting the appropriate combined plan depends on household size, ages and healthcare habits. Young professionals in Sandton may prefer stronger day-to-day benefits for workplace health needs and remote consultations, while families with children often value higher day-to-day limits plus solid hospital protection for unplanned admissions. Retirees commonly prioritise higher in-hospital limits for peace of mind.

Step-by-step selection checklist

1. Map routine needs: Estimate annual GP visits, dental check-ups and eyewear replacements for your household.
2. Estimate hospital risk: Consider planned procedures, age-related risks, or high-activity lifestyles that may increase accident exposure.
3. Compare plan options: Review combined plans within the Standard and Innovator ranges to match benefit mixes to your budget.
4. Confirm provider access: Use the provider finder to ensure your preferred private facilities in Sandton are accessible under the plan.

Provider networks and Emergency Medical Response

Affinity Health supports access to a broad provider network so members can get private care when required. In urgent situations, Emergency Medical Response services are coordinated to assist members needing immediate transport or admission. Verify provider availability in Sandton before you finalise your plan choice using the non-hospital provider search: Find a practitioner or clinic.

Affordability and quoting

Affinity Health’s combined plan options are built to remain budget-friendly while protecting you from high in-hospital costs. Monthly premiums depend primarily on the ages of those covered and the specific plan option chosen. For exact, current pricing and premium tables consult the current pricing page to compare options before you buy: Current pricing and premiums. Get a personalised quote online to see your exact monthly cost and available plan options.

Next steps - compare and join

• Get an instant quote to compare combined plan options and choose the best fit for your Sandton household.
• Select the appropriate plan group (Standard, Innovator, Junior or Senior) based on ages in your household.
• Complete the online application and start your cover once accepted; support is available if you need help understanding benefit limits.

Ready to compare plans? Get a quote now or compare combined plan options to balance routine care with in-hospital protection for your family in Sandton.

Sources

• Affinity Health - Combined Plan details
• Affinity Health - Current pricing and premiums
• National Department of Health - South Africa
• Statistics South Africa - Health indicators