Budget-friendly day-to-day and in-hospital protection for South Africans

Finding a cheap day-to-day and hospital plan South Africa can actually mean smart protection without sacrificing access to private care. Affinity Health offers combined plan options that pair routine outpatient benefits with in-hospital protection, designed for young professionals, families with children, and retirees who need dependable cover on a budget. These plans help manage everyday costs like GP consultations and basic dentistry while protecting you against large hospital bills from accidents or surgery.

What a combined plan covers

• Day-to-day benefits: GP consultations, basic dental procedures, optometry network access and acute medicines within benefit limits.
• Hospital benefits: In-hospital admissions, theatre and ward fees, approved consultant practitioner fees and in-hospital scans or procedures.
• Support services: Remote consultations and access to Emergency Medical Response when required.

Who benefits most from a cheap combined plan?

• Young professionals who want routine care and protection for unexpected hospital events while keeping monthly contributions low.
• Families with children who require frequent GP visits and vaccinations alongside hospital protection for emergencies.
• Retirees wanting stable hospital cover paired with limited routine outpatient benefits.

Affinity Health’s combined plan options let you prioritise core benefits so your monthly cost stays affordable. Learn more about specific day-to-day inclusions on our day-to-day cover page and the in-hospital features on our hospital plan overview.

How Affinity Health keeps combined plans affordable

• Clear plan options with defined day-to-day and hospital benefits to help you choose what matters most to your household.
• Practical benefit designs that reduce unnecessary overheads so core cover remains budget-friendly.
• Access to our provider listings so you can find a participating GP or hospital quickly - use the find-a-provider tool to check available practitioners.

Quick comparison - what to check when choosing a cheap combined plan

If you want a single overview of combined choices, see our combined plan page for clear benefit summaries and to compare plan options side-by-side.

Choosing the right cheap combined plan - step-by-step

Select a plan that fits your household by following a straightforward process. The guidance below helps you weigh routine needs, potential hospital exposure and monthly budget to arrive at a cost-effective decision.

Step-by-step selection guide

• Estimate routine use: Count expected GP visits, dental check-ups and eyewear replacements per year for each family member.
• Assess hospital risk: Consider any planned procedures or lifestyle risks that could lead to in-hospital treatment.
• Compare plan options: Use the combined plan summaries and day-to-day inclusions to compare expected out-of-pocket exposure for different options.
• Decide on excess: Choose an excess level that reduces monthly cost but keeps worst-case hospital bills manageable.

South African scenarios where a cheap combined plan works well

• Small households balancing childcare visits and protection against unexpected accidents.
• Young professionals wanting basic routine cover with solid in-hospital limits for surgical events.
• Working adults seeking a budget-friendly plan through an employer group - Group Cover options are available for workplace schemes (see Group Cover details on our site).

Affinity Health also provides plan groups for specific age ranges, including Junior cover for children and Senior cover for older members - both designed to be budget-conscious while providing essential protection.

How to get started

• Review combined plan summaries to shortlist suitable options.
• Use our online tools to compare plans and get a personalised quote in minutes.
• Apply online and choose a start date that fits your cashflow; membership typically begins the following month after approval.

Compare plans now and get a quote to see actual monthly contributions and which option meets your family’s needs. Visit Affinity Health’s combined plan page to begin and compare coverage levels.

Sources

• Affinity Health - Combined Plan overview
• National Department of Health - South Africa
• Statistics South Africa - Health indicators