Affordable Healthcare Solutions for Couples in South Africa

Access to reliable medical insurance is a vital part of building a secure future as a couple. Whether you’re starting out together, focusing on your careers, or preparing for the years ahead, a combined health plan offers the assurance of day-to-day medical benefits and robust hospital protection - all in one accessible and cost-effective package. The combined plan design from Affinity Health brings significant monthly savings compared to purchasing separate day-to-day and hospital options while ensuring you both receive the care you need, when you need it.

What is a Combined Health Plan?

A combined health plan ensures couples are covered for routine care - such as GP consultations, basic blood tests, medications, optometry and dental - while also safeguarding you from the high costs of hospitalisation arising from emergencies, illness, or planned procedures. This dual approach eliminates gaps in coverage and makes monthly budgeting easier, since all major health events are addressed under a single policy.

• Enjoy predictable premiums for both outpatient and hospital needs.
• Gain access to a wide network of private healthcare providers.
• Protect each other from unexpected health expenses and delayed care.

Coverage Breakdown: Combined vs. Single Benefits

Who Should Consider a Combined Health Plan?

• Young couples aiming for predictable healthcare costs.
• Dual-income professionals valuing both GP access and hospital security.
• Couples planning for a family, or with increased health risks.
• Anyone seeking a practical solution for both regular care and severe events.

For more on what’s included in Affinity Health’s Combined Plan, visit the dedicated plan information page.

Key Benefits of the Combined Approach

Day-to-Day Healthcare for Better Wellness

Routine GP visits, blood tests, optometry, and dentistry empower couples to maintain proactive health habits. Timely check-ups and preventative care lead to earlier interventions and fewer medical surprises, helping couples stay healthier for longer. Telehealth consultations with a registered professional also provide immediate guidance - a feature included in your day-to-day benefits.

Comprehensive Hospitalisation Protection

Unforeseen accidents, sudden illness, or planned surgery can result in high and unexpected expenses. Combined plans ensure that if either partner needs in-hospital care, theatre and ward fees, emergency transport, and even certain in-hospital scans are covered - supporting both physical health and financial stability.

Affordability: Bringing Private Healthcare Within Reach

• Standard plans for two adults keep costs manageable, especially compared to separate hospital and outpatient options.
• No hidden network fees; prices are consistent across all locations in South Africa.
• Choose between higher and lower excess amounts for monthly premium adjustment.

Full pricing breakdowns for all options appear in the Affinity Health pricing guide.

How to Select and Use Your Provider Network

• Find a GP, dentist, or optometrist near you with the Affinity provider locator.
• For scheduled admissions, browse the hospital network tool for approved facilities.
• Telephonic authorisations and guidance for hospital admissions are part of your cover.

Planning for the Long Term as a Couple

A combined health plan addresses everyday and unexpected medical scenarios - crucial for peace of mind as a couple. With monthly premiums starting at affordable rates, and the option to lower costs with higher excess selections, couples can confidently manage long-term health goals together. Further, having both partners covered under one plan makes administration and claims faster and simpler.

Sources

• Affinity Health - Combined Plan Information
• Affinity Health - Combined Plan Premiums
• Affinity Health - Provider Directory
• Affinity Health - Find a Hospital Facility
• Statistics South Africa - Healthcare financing statistics