Budget-friendly combination health plan for KwaZulu-Natal

A combination health plan in KwaZulu-Natal brings together routine out-of-hospital benefits and in-hospital protection under a single plan option. Affinity Health focuses on accessible Health Insurance designed for young professionals, families with children and retirees who want dependable cover without overwhelming monthly costs. Our combined plan options balance everyday access to consulting clinicians and protection against major hospital bills.

Who benefits most from a combination health plan?

• Young professionals needing quick access to primary care and occasional procedures.
• Families with children who require regular GP visits, vaccinations and dental checks.
• Retirees seeking solid in-hospital protection alongside limited out-of-hospital benefits.

Core components of a combination plan

• Day-to-day benefits: GP consultations, basic dentistry and optometry network access via selected providers.
• Hospital benefits: In-hospital admissions, theatre and ward fees, approved clinical consultant fees and in-hospital procedures.
• Support services: Remote consultations with healthcare practitioners for minor urgent care and advice.

How Affinity Health structures combination plans

Affinity Health offers combination plan options in several plan ranges to match life stage and needs. The Standard Range suits most adults aged 18-54, while the Innovator range provides alternative plan options for individual customers. Junior options are available for children aged 0-17 and Senior options for those 55 and over. Group Cover is only available to employer groups and is not offered to retail customers.

Compare plan inclusions and get a quick quote using our combined plan details. Review how day-to-day benefits complement in-hospital protection on the Affinity Health combined plan page: Affinity Health - Combined Plan. For full detail on routine benefits, see our day-to-day information: Affinity Health - Day-to-Day Cover.

Pricing approach and affordability

Affinity Health focuses on keeping private Health Insurance affordable. While exact premiums depend on plan selection and ages, combination plans are structured so households can prioritise core benefits and choose budget-friendly options for excess or benefit limits. Get an instant quote online to see the specific monthly cost for your household composition and preferred plan option (quotes are personalised by age and membership).

Ready to compare plans? Get a quote to see how a combination health plan can fit your KwaZulu-Natal budget and care needs. Use the combined plan page to start your comparison and choose the most appropriate level of day-to-day and hospital cover.

Benefit breakdown and plan comparisons

Below is a concise comparison to help you choose between stronger routine benefits or higher in-hospital limits depending on household priorities in KwaZulu-Natal.

Choosing the right level for KwaZulu-Natal households

• Families with young children typically prioritise stronger day-to-day benefits for frequent GP visits and routine care.
• Older adults often prioritise higher in-hospital limits to protect against significant procedure costs.
• Young professionals may choose mid-level day-to-day benefits with solid hospital protection for unforeseen events.

Provider access and practical steps

Affinity Health offers access to a wide network of contracted providers across South Africa. To check which consulting clinicians and facilities are available in KwaZulu-Natal, search our provider directories: Find a Provider and for hospital locations visit: Find a Hospital Provider.

Next steps - simple checklist

1. Define priorities: routine access vs. in-hospital protection.
2. Compare combination plan options on the combined plan page to confirm inclusions.
3. Request a quote and review monthly premiums for your household composition.
4. Join now online when you’re ready to start cover and enjoy private care access.

Affinity Health’s combination health plan for KwaZulu-Natal is designed to be budget-friendly while delivering essential out-of-hospital services and meaningful in-hospital protection. Get a personalised quote today to compare plans and choose the option that meets your household’s needs.

Sources

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