Practical combined health plans for modern South African families

A combined health plan for family needs to deliver reliable cover for routine out-of-hospital care and robust protection for in-hospital events - all while staying within a household budget. Affinity Health designs combined plans to meet the needs of young professionals, parents with children, and older adults, so families can access GPs, approved clinicians for procedures, and hospital care without facing large unexpected bills.

What a combined plan includes

• Day-to-day benefits: GP consultations, basic dentistry and optometry network access, plus acute medicines and routine care.
• Hospital benefits: In-hospital admissions, theatre and ward fees, approved clinician fees, and in-hospital scans and procedures.
• Support services: Remote consultations for immediate advice and Emergency Medical Response coordination where required.

Who benefits most

Families with young children who need frequent GP visits, dual-income households who want predictable monthly healthcare costs, and retirees who want in-hospital protection with routine care covered - a combined plan brings both elements together so you don’t have to choose between day-to-day access and hospital security.

Compare how combined plans work

Affinity Health’s combined plan options let you prioritise the balance between routine access and in-hospital limits. To review the specific combined plan offerings and benefit lists, see our combined plan page. If you want stronger day-to-day cover on its own, learn more on our day-to-day plan page, or read about dedicated in-hospital protection on the hospital plan page.

Get a quote to compare monthly premiums and benefit limits for your household composition - choose the level that keeps care accessible without straining your monthly budget.

How to choose the right combined plan for your family

Selecting the right combined plan depends on family size, ages, anticipated routine care and risk tolerance for unexpected hospital events. Use a short decision process to align benefits with likely use and monthly affordability.

Step-by-step selection guide

• Map routine needs: Estimate annual GP visits, dental and eye-care needs and any recurring medicines.
• Consider hospital risk: Account for planned procedures, sports or occupational risks that could lead to admission.
• Compare benefit limits: Look at in-hospital limits, day-to-day visit allowances and any excess options that affect monthly premiums.
• Review waiting periods: Note waiting periods for certain services (for example maternity or specific procedures).

Practical family scenarios in South Africa

• Young parents: Prioritise day-to-day benefits for child immunisations and frequent GP visits while keeping moderate hospital protection for emergencies.
• Working professionals with children: Balanced combined plan with remote consultations for quick weekday advice and full in-hospital cover for major events.
• Older couples: Stronger hospital limits plus day-to-day access for routine check-ups and chronic condition monitoring.

To see which combined plan suits your household, compare plans and view benefit grids on the combined plan page, then use the provider finder to confirm access to local approved clinicians and hospitals. Find local providers using our provider search or look up hospital locations on our hospital provider list.

Pricing and next steps

Affinity Health keeps combined plans budget-friendly by offering clear benefit levels and straightforward excess choices. For exact monthly premiums based on your family makeup and selected benefit level, request a personalised quote online and compare available plan options. Get a quote to compare plans and join now when you find the level that meets your family’s needs.

What to check in plan documents

• Benefit limits for day-to-day services and in-hospital events.
• Defined waiting periods for selected benefits.
• In-hospital definitions and approved clinician coverage details.

Sources

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