Budget-friendly combined cover that protects routine care and hospital costs

Looking for cheap comprehensive medical insurance without sacrificing core benefits? Affinity Health offers combined plan options that include day-to-day care and in-hospital protection designed for South African individuals, families with children, young professionals and retirees. A combined plan helps manage regular healthcare costs like GP visits and basic dentistry while protecting you from large in-hospital bills for surgery, theatre and ward fees.

What a budget-friendly combined plan typically includes

• Day-to-day benefits: GP consultations, selected basic dental and optical benefits, and acute medicines through network providers.
• Hospital benefits: In-hospital admissions, theatre and ward fees, approved in-hospital procedures and in-hospital imaging.
• Support services: Remote consultations for fast advice and Emergency Medical Response coordination where available.

Why a combined plan can be more affordable overall

Combining everyday care and hospital protection reduces the chance of skipping routine visits that can lead to higher costs later. Affinity Health focuses on lower-cost plan options and clear benefit structures to keep monthly premiums predictable. Compare available benefit levels and limits to find a balance that fits your monthly budget and healthcare needs.

How Affinity Health structures affordable options

• Clear plan options with combined day-to-day and hospital benefits so you only pay for what you need.
• Simple claims processes and a wide provider network to help manage costs and access care quickly; find local providers using our provider search.
• Transparent benefit limits and excess choices so monthly premiums remain budget-friendly.

Explore plan inclusions and levels on the Affinity Health combined plan page to compare features and decide which configuration fits your household. View combined plan details. If you want to check which non-hospital providers are covered in your area, use the provider finder here: find a provider.

Choosing the right cheap comprehensive medical insurance

Select a combined plan based on household size, ages and expected healthcare use. Young families often value stronger day-to-day benefits for regular GP visits and child care, while older adults may want higher hospital limits. Follow a simple decision process to compare plan options and expected monthly costs.

Step-by-step selection guide

• List expected routine needs: number of GP visits, dental checks and optical replacements per year.
• Estimate risk exposure: consider planned procedures or sports/occupational risks that might require hospital care.
• Compare plan options and limits: match estimated out-of-pocket exposure for different plan configurations.
• Check waiting periods and in-hospital definitions so you understand when specific benefits apply.

Quick comparison table - day-to-day vs hospital within a combined plan

For exact premium amounts by age and plan option, consult the current pricing information published by Affinity Health. Pricing is presented clearly on the pricing page so you can compare monthly costs and choose the most budget-friendly plan option for your household. See current pricing and premiums.

Real South African use cases (no personal details)

• Young couple in a metro: mid-level day-to-day benefits for routine care and a hospital limit to cover potential accidents.
• Family with children: stronger day-to-day benefits for frequent paediatric visits and immunisations, plus in-hospital protection for major events.
• Retiree on a fixed income: emphasis on higher hospital limits with conservative day-to-day cover to control monthly premiums.

Ready to compare plans? Get a quote online to see precise monthly premiums for your household composition and preferred benefit level. Compare plan options, then join now if a plan meets your budget and protection needs.

Sources

• Affinity Health - Combined Plan overview
• Affinity Health - Day-to-day cover details
• National Department of Health - South Africa
• Statistics South Africa - health indicators