Budget-friendly combined Health Insurance designed for Western Cape residents

Finding cheap, comprehensive health insurance in the Western Cape means balancing routine care with protection against high hospital costs. Affinity Health offers plan options that pair day-to-day benefits with in-hospital cover so you can manage regular GP visits, basic dentistry and acute medications while staying protected against larger surgical or admission bills. Our approach focuses on straightforward benefits, clear limits and access to private care when it matters most.

How our combined plans work

• Day-to-day benefits cover outpatient needs such as GP consultations, basic dentistry and optometry network access.
• Hospital cover handles in-hospital admissions, theatre and ward fees, approved Healthcare Practitioner fees and in-hospital procedures.
• Choose plan options to prioritise the mix of day-to-day and hospital benefits that suit your monthly budget and family makeup.

Who benefits most

Young professionals in Cape Town, growing families in the Garden Route, and retirees in suburban towns all need different mixes of routine care and hospital protection. A combined plan is often the most cost-effective choice for people who want predictable monthly costs and lower risk of large out-of-pocket hospital bills.

Plan groups you can choose from

For an overview of combination options see our Combined Plan. If you need strong outpatient benefits, review our Day-to-Day Plan for what is covered under routine care.

Use our provider finder to confirm availability of private hospitals and Healthcare Practitioners in your area: Find a Hospital Provider.

Ready to compare? Get a quote online to see exact premiums for your household composition and preferred plan options - quick quotes show the exact monthly cost for the people you want to insure.

Affordability, network access and real-world use cases in the Western Cape

Affinity Health focuses on keeping private healthcare within reach. Key affordability levers include selecting the combination of day-to-day and hospital benefits you need, and choosing plan options that match your monthly budget. Pricing depends on the ages of the people covered and the plan group you select. For plan details and to compare combination options, view the Innovator Range and the Junior Cover pages.

Typical Western Cape scenarios

• Single professional: prioritise strong day-to-day GP access plus mid-level hospital protection to keep monthly costs low.
• Young family: balance generous day-to-day benefits for child healthcare with reliable hospital limits for accidents or surgery.
• Older adults: consider higher hospital limits with sufficient day-to-day cover for outpatient monitoring.

What to check when comparing plans

• Which services are covered in-hospital and which are classed as outpatient.
• Any waiting periods that apply to selected benefits (for example for certain procedures or maternity).
• Network availability in your town - use our homepage for plan overviews and local information: Affinity Health.

Simple steps to secure cover

1. Decide who to include and list expected routine visits per year.
2. Compare combined plan options and confirm provider access in your area.
3. Request a quote and review the plan document for limits and waiting periods before joining.

If you want help comparing plan options or confirming whether a specific private hospital or Healthcare Practitioner is on our network, use the provider search and get an accurate quote for your household. Compare plans now to choose the most budget-friendly mix of day-to-day and hospital benefits for your needs.

Sources

• South African National Department of Health
• Statistics South Africa - Health indicators
• World Health Organization - South Africa overview