Practical combined health insurance for North West residents

A combination health plan blends day-to-day care with in-hospital protection so you can manage routine visits and guard against major medical bills. Affinity Health builds plan options aimed at individuals, families with children, young professionals and retirees in the North West who want reliable, affordable Health Insurance with straightforward benefits and a wide provider network.

What a combination plan includes

• Day-to-day benefits: GP consultations, basic dentistry and optical support within set benefit limits and visit allowances.
• Hospital benefits: In-hospital admissions, theatre and ward fees, approved healthcare practitioner fees and in-hospital investigations when admitted.
• Support services: Remote consultations with registered healthcare practitioners and Emergency Medical Response coordination when required.

Why choose a combined plan in North West?

Living in the North West often means balancing travel time to private facilities with the need for reliable access to care. A combination plan helps by covering everyday primary care needs locally while ensuring protection for higher-cost hospital events. Affinity Health focuses on budget-friendly monthly premiums and clear benefit rules so you can predict out-of-pocket exposure.

Provider access and local convenience

Affinity Health members can find and use participating providers across the country. To check nearby providers and confirm which practitioners and facilities accept your plan, use the provider finder to locate convenient options in the North West region.

Find a local provider using the tool here: Find a Provider. This helps you plan where to have routine visits and where to go in case of hospital admission.

How combination plans support different households

• Young professionals: Prioritise strong day-to-day benefits for GP visits and remote consultations while keeping hospital limits at a practical level.
• Families with children: Choose plans with sufficient day-to-day allowances for frequent child healthcare visits plus hospital protection for unplanned procedures.
• Retirees and older adults: Consider plan options that emphasise robust hospital benefits while maintaining access to routine primary care.

If you want a clear overview of how day-to-day and hospital benefits combine, start by comparing the feature list on the Combined Plan page and the separate Day-to-Day and Hospital pages to match priorities for your household.

Compare plan features: Day-to-Day cover and Hospital plan.

Affordability, clarity and easy next steps

Affinity Health focuses on keeping private Health Insurance within reach. Combination plans let you consolidate routine care and in-hospital protection into a single monthly payment, simplifying your budgeting. You can adjust which plan option you choose based on the balance of day-to-day benefits and hospital limits that match your needs.

Choosing the right combination plan for your budget

1. Assess routine demand: Count expected GP visits, dental check-ups and eyewear needs per year.
2. Estimate hospital risk: Consider whether planned procedures or occupational risks might require higher hospital limits.
3. Compare plan options: Look at co-payment and excess structures to understand monthly premiums versus potential out-of-pocket costs.

Practical use cases across North West

• Single professionals who need rapid GP access and remote consultations with registered healthcare practitioners.
• Families who want predictable budgets for routine child healthcare and in-hospital protection for serious events.
• Working adults covered via employer groups exploring Group Cover for multiple employees.

Ready to compare specific plan options and get an exact monthly price? Get a quote online, compare plans side-by-side, and join now to start coverage. Use the Combined Plan page to view full benefit descriptions and to get an instant estimate for your household composition: Get a Combined Plan quote.

Next steps

• Review Combined Plan features and confirm which day-to-day allowances matter most for your household.
• Use the provider finder to identify accessible practitioners and facilities in the North West area.
• Request a quote, compare plan options and join now to begin coverage.

Sources

• Affinity Health - Combined Plan details
• Affinity Health - Day-to-Day cover
• National Department of Health South Africa - Health programmes
• Statistics South Africa - Health indicators