Affordable combined cover for North West residents

Searching for a cheap day-to-day and hospital plan North West? Affinity Health offers budget-friendly plan options that combine routine out-of-hospital benefits with in-hospital protection so you can manage everyday healthcare costs and avoid large bills after an admission. Our plans are designed for young professionals, families with children, retirees and working adults across the province.

What a combined day-to-day and hospital plan includes

• Day-to-day benefits: GP consultations, basic dentistry and optical network access, and acute medicine cover through your plan's out-of-hospital benefits.
• Hospital benefits: In-hospital admissions, theatre and ward fees, approved clinician fees and in-hospital procedures.
• Remote consultations and advice services to help with urgent minor concerns without leaving home.

How Affinity Health keeps plans low-cost

• Simple plan options that let you prioritise core benefits and control premiums.
• Clear excess choices to manage monthly cost versus out-of-pocket exposure for admittance.
• Nationwide access to approved hospital and provider lists for predictable billing and claims handling.

Compare core plan choices

Affinity Health’s combined plan options concentrate on essentials so you pay for the protection you need. Learn more about our Combined plan structure and benefits on the combined plan page.

If you want stronger day-to-day support for routine visits, view our day-to-day plan details. For callers focused on in-hospital protection only, our dedicated hospital plan page explains core inclusions and definitions.

Choosing the right option for your family or business

Selecting a cheap day-to-day and hospital plan North West depends on household composition, ages and expected use of routine care. Young families often prioritise strong day-to-day benefits for child healthcare, while older adults may value higher in-hospital limits. Affinity Health offers plan options across age bands to match these needs.

Step-by-step selection guide

• Estimate routine use: Count expected GP visits, dental check-ups and optical needs annually.
• Consider admission risk: Factor in any planned procedures or occupational risks that might require hospital cover.
• Compare plan options: Review combined benefits, any applicable waiting periods and your chosen excess level to balance premiums and potential out-of-pocket costs.

Provider access and help across North West

Affinity Health maintains an accessible list of approved facilities and practitioners for members. Use our online tools to find healthcare locations in North West: search our hospital providers find a hospital provider or other practitioners via find a provider.

How to get started

1. Compare plan options and confirm which combined plan suits your household.
2. Request a personalised quote online and review the plan documents for benefit limits and waiting periods.
3. Complete the application and begin cover once your policy is active - then use your plan for routine care and admissions as needed.

Ready to compare options? Get a quote or join now via our website to see plan options designed to be budget-friendly for North West residents. For more information on plan groups and who each is for, review our Innovator and Group Cover pages to confirm eligibility for your circumstance.

Sources

• Affinity Health - Combined plan
• Affinity Health - Day-to-day cover
• National Department of Health South Africa - Department overview
• Statistics South Africa - Health indicators and population data