A Single Solution: Day-to-Day and Hospital Protection in One Plan

For single professionals and independent adults, choosing health insurance isn’t just about price - it’s about balancing protection for both everyday needs and big medical events. A combined medical cover plan provides essential support whether you need a GP visit for a sudden illness, treatment for minor injuries, or in-hospital care after an emergency. Affinity Health’s solutions are specifically designed to give single South Africans peace of mind, combining affordability with convenience and access to private healthcare networks.

What makes combined plans suitable for singles?

• Comprehensive benefits: Day-to-day consultations, acute medicines, basic dental, and in-hospital treatment included.
• Predictable monthly costs: Easy budgeting with a single premium and clear excess options for hospital events.
• Independence and nationwide access: Extensive provider network, allowing freedom of choice wherever you live or work.

Key features included in a combined plan

This blend suits single adults who want to avoid unexpected out-of-pocket expenses from either routine care or larger medical events.

Standard vs. Innovator Combined Plan: What’s the Difference?

• The Standard Combined Plan offers a traditional approach, balancing day-to-day and hospital benefits at a cost-effective monthly premium.
• The Innovator Range allows increased flexibility with six different combination options, customising excess levels and benefit sets for single adults aged 18-54.

How Combined Plans Benefit Your Lifestyle

Many singles have active lifestyles, travel frequently for work, or live away from close family support. Combined cover ensures easy access to GPs, fast referrals for covered procedures, and private hospital care for unplanned situations. Here are some scenarios where this proves invaluable:

• Young professionals in Johannesburg who want predictable monthly outlay while accessing dental and preventative healthcare support during busy schedules.
• Remote workers or freelancers in Cape Town needing access to approved hospitals or network GPs when referrals are required quickly.
• First-time homebuyers or individuals who want financial protection from unexpected medical bills, without sacrificing daily health maintenance.

What to Consider When Choosing Your Plan

• Assess frequency of day-to-day medical needs (annual GP visits, acute medicine, optical or dental care).
• Consider hospital excess options: Higher excess can lower your premium but increases your out-of-pocket cost if hospitalised.
• Review waiting periods, especially for maternity or specific procedures.
• Check your age eligibility for the chosen plan type: Standard (18-54 years), Innovator (18-54 years).

Use Affinity Health’s provider search tool to easily locate network healthcare practitioners. For hospital events, you can also review eligible facilities with the hospital provider directory.

How to Get Started

1. Review sample premiums and benefit summaries on the policy rates page.
2. Compare features between the Standard Combined and Innovator options.
3. Check your nearest available providers based on where you stay or work.
4. Apply online and select your preferred combined plan.

Sources

• Affinity Health: Combined Plan Details
• Affinity Health: Innovator Range Options
• Affinity Health Policy Premiums & Benefits
• National Department of Health South Africa
• Statistics South Africa: Health Profile Data