What a combination health plan delivers

A combination health plan brings day-to-day benefits together with in-hospital protection so you can manage both routine medical costs and larger, unexpected bills. For young professionals, families with children and retirees, this approach reduces the chance of skipping GP visits while safeguarding against high inpatient costs. Affinity Health focuses on accessible, budget-friendly Health Insurance designed for South African needs.

Core components

• Day-to-day benefits: GP consultations, basic dentistry, optometry network access and acute medicine support where applicable.
• Hospital benefits: In-hospital admissions, theatre and ward fees, approved in-hospital procedures and related inpatient care.
• Support services: Virtual consultations with a healthcare practitioner and Emergency Medical Response coordination when required.

Who benefits most

• Young professionals seeking predictable monthly costs and quick access to GPs.
• Families prioritising regular child healthcare plus protection for unexpected hospital events.
• Retirees seeking reliable in-hospital limits with some day-to-day cover for routine visits.

Plan structures and common choices

• Separate day-to-day limits and hospital limits within one plan to keep benefits clear and manageable.
• Options aimed at different age groups: Junior (0-17), Standard (18-54), Senior (55+), and Innovator plans for extra combinations.
• Choice of combination plans that prioritise stronger day-to-day benefits (useful for families) or higher hospital limits (useful for older adults).

Read more about Affinity Health’s Combined Plan options for full benefit descriptions and to see which plan group matches your household composition: Combined Plan details. For specifics on routine care benefits, see our Day-to-Day page: Day-to-Day Cover.

Quick comparison - what you get

Compare plan options against your expected usage: frequent GP visits favour stronger day-to-day limits, while higher surgical risk calls for larger hospital limits. Use our plan explanations to match needs to the right combination.

Choosing the right combination health plan for your household

Select a plan based on family size, age ranges and typical healthcare use. Young families may prioritise day-to-day benefits for immunisations and child healthcare, while older adults often choose plans with higher hospital limits. Affinity Health offers plan groups that map to different life stages, including Junior, Standard, Innovator and Senior options.

A practical selection guide

1. Estimate routine visits per year for each household member (GPs, dentistry, optometry).
2. Identify potential hospital risks (planned procedures or occupational hazards).
3. Compare combination plans and check waiting periods, benefit limits and in-hospital definitions.
4. Review provider access to ensure convenient care - use our provider lookup to confirm local options.

Find nearby hospitals and practitioners in the Affinity Health network to confirm access: Find a Hospital Provider. For clarity on premiums and exact monthly contributions by age band, review current policy pricing here: Policy Rates and Pricing.

Budgeting and practical tips

• Prioritise the benefits you use most to keep premiums within household budgets.
• Consider a combination plan to avoid separate policies for routine and in-hospital care.
• Check any waiting periods for specific services so you can plan care timelines accordingly.

South African use cases - what to expect

• Urban professionals: quick GP access and virtual consultations for minor issues during work hours.
• Suburban families: routine child healthcare through day-to-day benefits plus hospital protection for accidental admissions.
• Older adults: stronger hospital limits for surgical or inpatient needs while keeping some routine care cover.

Sources

• Affinity Health - Combined Plan
• Affinity Health - Day-to-Day Cover
• Affinity Health - Policy Rates and Pricing
• Statistics South Africa - Health indicators

Ready to compare plans? Get a quote or join now online and choose the combination health plan option that fits your household needs.