Why a Combined Health Plan is a Wise Choice for Families

Families in South Africa face a range of healthcare needs - from regular doctor check-ups to unexpected hospital visits. A combined health plan bridges the gap between routine health expenses and major emergencies, ensuring comprehensive protection under a single, manageable premium. Designed for growing families, young professionals starting a household, or retirees supporting dependents, combined plans offer predictable costs and peace of mind.

Core Benefits of a Combined Health Plan

• Day-to-day cover: Includes general practitioner consultations, basic dental care, acute medication, and optometry within network limits.
• Hospital protection: Covers in-hospital admissions due to illness, procedures, surgical events, and accidents with a set excess amount per event.
• Access to private healthcare: Benefit from private facilities for both everyday needs and hospitalisation, ensuring quality care and minimal waiting periods.

How Affinity Health Combined Plans Work

• Single monthly premium, no hidden fees.
• Choose between individual, couple, or family options (e.g., Standard Combined Plan: from R 1,090 for single adults, R 2,164 for two adults plus one child*).
• Set benefit limits and manageable excess for hospital admissions.
• Includes telephonic consultations with registered healthcare practitioners for day-to-day support and advice.

To see current premium examples and find the right fit for your family, you can visit the Affinity Health Combined Plan page. Families with children benefit from plan structures that cover both children's routine care and emergency protection for adults and dependents.

Key Inclusions for Family Health Security

• GP visits and acute medicine for every insured person (within plan limits)
• Basic dentistry and optometry services for children and adults
• Hospital stays for serious illness, accident, or approved surgical procedures
• Telephonic consultations for urgent medical queries and guidance

Table: Combined Plan Features (Standard Range)

Understanding each benefit helps your household prepare for both everyday and unexpected healthcare moments.

Those exploring enhanced or innovative options for young adults may consider the Innovator Range, offering six combined plans with added features for modern lifestyles.

Making the Most of Your Combined Health Plan

Selecting the ideal combined plan involves considering the ages and healthcare habits of your family. Parents with young children may prioritise higher day-to-day limits for regular GP and dental visits. Households with both adults and older dependents might focus on hospital coverage for peace of mind. Here are practical steps for choosing a plan:

Step-by-Step Guide for South African Families

1. List your routine healthcare needs: GP visits, dental care, and chronic medicine requirements across all household members.
2. Consider the likelihood of hospital events: Think about work, school, and family lifestyle factors that may increase hospital risk.
3. Compare premium rates for your household composition using the Affinity Health Policy Rates for up-to-date pricing.
4. Review provider networks: Make sure your family has easy access to the preferred hospitals and primary care providers. Use the Provider Finder Tool to check available health practitioners in your area.

Financial Overview: Plan Premiums by Family Size

These figures represent entry-level premiums for Standard Range plans (as of 2024). Review all available options to find the best fit for your household and budget.

Advantages Unique to Combined Plans

• Streamlined cover means families only manage one policy for most healthcare situations.
• Budget-friendly structure compared to holding separate day-to-day and hospital-only plans.
• Comprehensive assistance from dedicated support teams, helping schedule care and authorisation for hospital events.

As your needs change, you can explore different plan options, including switching to a hospital-only or day-to-day only plan for more specialised focus as your family evolves.

Explore More Resources

• Learn more about day-to-day cover for routine healthcare.
• For hospital-only coverage, see details on hospital plan options.

Sources

• Affinity Health - Combined Plan
• Affinity Health - Policy Rates
• Affinity Health - Day-to-Day Cover
• National Department of Health South Africa