What a combination health plan offers

A combination health plan blends day-to-day benefits (GP visits, basic dentistry, optometry access and acute medicines) with hospital protection for admissions, theatre and ward fees, and approved in-hospital procedures. This approach helps South African individuals and families manage routine healthcare costs while protecting against large, unexpected hospital bills.

Who should consider a combination plan?

• Young professionals who need routine GP access and cover for possible surgery.
• Families with children who require regular check-ups, immunisations and occasional hospital care.
• Retirees seeking reliable hospital protection plus day-to-day benefits for outpatient needs.

Key benefits breakdown

• Day-to-day benefits: GP consultations, basic dental and optical network access, and acute medicine for short-term illnesses.
• Hospital benefits: Admissions, theatre and ward fees, in-hospital scans and approved procedures.
• Support services: Remote consultations with a healthcare practitioner for quick clinical advice and Emergency Medical Response assistance where specified by your plan.

Learn more about specific day-to-day inclusions on the Day-to-Day plan page and see in-hospital specifics on the Hospital plan page. If you already know you want both in one package, the Combined plan page explains benefit structures and common exclusions.

How combination plans support different South African households

• Single professionals: Lower monthly outlay for routine care plus a safety net for major events.
• Families with children: Day-to-day cover for frequent GP visits and hospital protection for emergencies.
• Older adults: Stronger hospital limits with day-to-day access for routine monitoring and medication needs.

Ready to compare options? Get a quote online or use the plan comparison tools to see which combination suits your budget and healthcare needs. Join now to secure ongoing protection and predictable monthly costs.

Selecting the right combination plan for your budget

Choosing the right level depends on family size, ages and expected use of outpatient services. Follow these practical steps to choose a plan that balances monthly cost and protection.

Step-by-step selection guide

1. List routine needs: estimate annual GP visits, dental check-ups and optical replacements.
2. Assess hospital risk: consider planned procedures, sports or occupational risks that could lead to admissions.
3. Compare combination options: look at day-to-day limits, hospital benefit ceilings and any excess choices that affect monthly premiums.

Comparing plan groups and suitability

Affinity Health’s plan groups include budget-friendly options targeted by age: Junior (0-17), Standard (18-54), Innovator (18-54 with different plan options), Senior (55+) and Group Cover for workplace benefits. Review the Innovator range for additional combination configurations on the Innovator range page.

Practical considerations before you apply

• Check waiting periods and any exclusions stated in plan documents.
• Confirm network access and where you can see a healthcare practitioner; use the provider finder to locate covered providers near you.
• Decide on an excess that balances a lower monthly premium with out-of-pocket exposure for claims.

Using provider search and support

Find a suitable provider before you need care: use the provider search tools for hospitals and outpatient providers to confirm network availability in your area. Locate hospital providers here and outpatient providers here.

Next steps

Compare combined plan options and get a personalised quote to see exact monthly premiums and benefit limits. You can start a quote online, compare plans side-by-side, and join now if a plan meets your household needs. Affinity Health’s goal is to keep private Health Insurance affordable and accessible for all South Africans.

Sources

• Affinity Health - Combined plan details
• Affinity Health - Day-to-Day plan
• Affinity Health - Hospital plan
• National Department of Health - South Africa
• Statistics South Africa - Health indicators