Why a combined-health-plan makes sense for South Africans

A combined-health-plan brings day-to-day care and hospital protection together in one budget-friendly solution. For young professionals, families with children and retirees, this approach reduces gaps between routine care and major medical events - helping you manage monthly expenses while retaining access to private healthcare when it matters most.

Core benefits included

• Day-to-day benefits: GP consultations, basic dentistry and optometry options subject to plan limits.
• Hospital benefits: In-hospital admissions, theatre and ward fees, approved clinical practitioner fees and in-hospital procedures.
• Support services: Remote consultations with a healthcare practitioner and organised Emergency Medical Response when required.

Who should consider a combined-health-plan?

• Young professionals who want routine care access and protection from large hospital bills.
• Families with children needing frequent GP visits and immunisations alongside hospital protection.
• Retirees seeking dependable hospital limits plus limited day-to-day support for routine needs.

How combined plans manage costs

A combined-health-plan lets you balance routine out-of-hospital spending with strong in-hospital protection. You can manage premiums by choosing the day-to-day benefit level and in-hospital limits appropriate to your budget. For plan comparisons and feature details, view the Affinity Health combined plan information and the separate day-to-day and hospital plan pages for exact inclusions and exclusions.

Find combined plan descriptions and common benefit summaries on the Affinity Health combined plan page: combined plan details. For specifics on routine benefits, see the day-to-day coverage overview: day-to-day benefits.

Benefit comparison at a glance

Choosing the right combined-health-plan for your household

Selecting the right combined-health-plan depends on family size, ages and expected healthcare use. Use a simple checklist to compare plans and estimate likely annual out-of-pocket costs before selecting a plan option.

Step-by-step selection checklist

• Count routine needs: estimate GP visits, dental check-ups and eyewear changes per year.
• Consider planned procedures: any likely hospital admissions or elective procedures in the near term.
• Match benefit levels: prioritise day-to-day limits if you have many routine visits, or higher in-hospital limits if you want stronger admission protection.
• Review waiting periods and exclusions: these affect when certain benefits become available.

Affordability and pricing

Pricing for combined-health-plan options is available on the Affinity Health pricing page. Premiums vary by age band and plan group; example monthly premiums and exact figures are published on the current pricing page. For an immediate view of the published premiums and to compare plan costings by age group, review the pricing information here: current pricing and premiums.

Provider access and claims support

Affinity Health members can access a wide network of private hospitals and approved providers. Before planned care, confirm the facility and practitioner are part of the network. Locate nearby hospital providers using the provider finder: find a hospital provider. For routine practitioner searches, use the main provider search: find a provider.

Practical South African use cases

• Young professional: prioritise day-to-day consultations and remote consultations for minor issues, with mid-level in-hospital limits for unexpected surgery.
• Family with children: higher day-to-day limits for frequent GP and dental visits, plus dependable in-hospital limits for accidents.
• Retiree: strong in-hospital protection with modest day-to-day benefits for routine check-ups.

Next steps

• Compare combined plan features and published premiums on the combined plan page and pricing page to see which plan group suits your household.
• Get a personalised quote or compare plan options online to estimate monthly premiums for your exact ages and household composition.
• Review waiting periods and exclusions to align expectations on when specific benefits begin.

Sources

• Affinity Health - Combined Plan
• Affinity Health - Day-to-Day Cover
• Affinity Health - Hospital Plan Guide
• Department of Health South Africa - Role of private and public healthcare