Combined Health Plan Designed for Free State Residents

A combined health plan brings routine out-of-hospital benefits together with in-hospital protection, helping Free State households manage everyday primary care and larger medical events under one plan. Affinity Health offers budget-friendly plan options for young professionals, growing families, and retirees that prioritise predictable monthly costs and access to private care.

Who benefits most from a combined plan?

• Young professionals in Bloemfontein and surrounding towns who want routine GP visits and hospital protection for accidents or surgery.
• Families who need regular child healthcare, basic dentistry and optometry plus in-hospital cover for unexpected events.
• Retirees who prioritise in-hospital protection while keeping day-to-day consultations and routine tests accessible.

Core benefits explained

• Day-to-day benefits: GP consultations, basic dental and optical network access, and acute medicines handled outside hospital.
• Hospital benefits: In-hospital admissions, theatre and ward fees, approved clinician fees and medically necessary in-hospital procedures.
• Support services: Remote consultations with a healthcare practitioner for triage and advice, and Emergency Medical Response coordination when needed.

Affinity Health’s combined plan options are available across core plan groups (Junior, Senior, Standard Range and Innovator), so you can choose a plan that matches age and household needs. Learn about our Combined Plan offerings and how they align with each age range on the Affinity site: Combined Plan details.

Practical tip: pair the combined option with a clear list of expected GP visits, dental check-ups and any planned procedures to estimate which plan option suits your monthly budget best. If you have children, explore our Junior plan options to ensure paediatric needs are covered.

Find local providers and hospitals that accept Affinity Health plans to ensure convenient access in the Free State: Find a hospital provider and find a primary care provider.

How Affinity Health keeps combined plans budget-friendly

• Structured plan options by age group so each person pays for the benefits they need.
• Network access focused on practical, cost-effective care pathways to reduce unexpected out-of-pocket costs.
• Clear benefit descriptions so you can compare what is covered in-hospital versus routine care outside hospital.

Ready to compare options in the Free State? Get a quote online to see plan options and monthly premiums tailored to your household composition. Get a quote and compare plans to decide which combination best suits your needs.

Choosing the Right Level of Cover for Your Household

Selecting the right combined plan depends on household size, ages and expected healthcare use. Use these practical steps to narrow your choice and check plan documents for waiting periods and defined in-hospital services.

Step-by-step selection guide

1. Count routine needs: estimate GP visits, dental check-ups and optical purchases per year.
2. Identify major-event risk: consider any planned surgeries or potential accident risks that could require hospital care.
3. Compare plan options: review which day-to-day services and in-hospital procedures are included at each level.

Comparison at a glance

South African scenarios - how Free State households use combined plans

• Small family: prioritise stronger day-to-day benefits for child healthcare while keeping mid-level in-hospital protection for peace of mind.
• Single professional: lean toward higher in-hospital limits with moderate day-to-day cover and remote consultations for quick clinical advice.

Before you join, compare plan documents to confirm waiting periods for certain benefits and in-hospital definitions. Explore detailed plan descriptions for day-to-day and hospital components here: Day-to-Day plan details and Hospital plan guide.

Compare plans, then get a quote and join now if a combined plan meets your household needs. Use the online quote tool to compare options quickly and see monthly premiums for your family composition.

Sources

• Affinity Health - Combined Plan details
• Affinity Health - Day-to-Day plan
• Affinity Health - Hospital plan guide
• National Department of Health South Africa - Health information