Why a combined health plan makes sense in Kimberley

A combined health plan bundles routine out-of-hospital benefits with in-hospital protection so you and your family can manage everyday healthcare needs while avoiding large, unexpected bills. For working professionals, parents of young children and retirees in Kimberley, this approach balances predictable monthly costs with meaningful protection when it matters most.

Core components of Affinity Health combined plans

• Day-to-day benefits: consultations with a Healthcare Practitioner, basic dental and optical access, and coverage for acute medicines within benefit limits.
• Hospital benefits: in-hospital admissions, theatre and ward fees, approved clinician fees and in-hospital procedures.
• Support services: remote consultations and Emergency Medical Response where available to guide urgent decisions.

Affinity Health offers combined plan options across age groups, including dedicated plans for children (0-17) and older adults (55+), as well as standard and innovator plan options for adults 18-54. Review the available plan options and see which best matches your household composition and budget.

How Affinity Health keeps cover budget-friendly

• Plan options let you select the balance of day-to-day versus in-hospital benefits that suits your finances and needs.
• Clear benefit definitions and straightforward excess choices help you control monthly premiums and out-of-pocket exposure.
• Nationwide provider access for private care reduces wait times for essential treatment in many areas.

If you want to explore the exact benefit mix for combined plans, see details on our combined plan page. For those prioritising routine visits first, learn about day-to-day options on the day-to-day page.

Provider access and claims in Kimberley

Affinity Health members can access private hospitals, clinics and approved Healthcare Practitioners across South Africa. To find a hospital or clinic near you, use the provider search to confirm network availability and familiarise yourself with local facilities.

Compare plan details and available clinician access before selecting a combined plan to ensure timely care when you need it most.

Choosing the right combined plan for your household

Selecting the most suitable combined plan depends on family size, ages, and how often you expect to use routine services. Young parents often prioritise stronger day-to-day benefits for child healthcare, while older adults may favour higher in-hospital limits. Follow a simple process to decide:

Step-by-step selection guide

• List expected routine needs: GP or Healthcare Practitioner visits, dental check-ups and eyewear replacements per year.
• Estimate risk: consider any planned procedures, chronic conditions, or occupational risks in the household.
• Match plan options: compare likely annual out-of-pocket spending under each plan option and select the most budget-friendly balance for your situation.

Benefit comparison at a glance

South African use cases (hypothetical scenarios)

• Young professional in Kimberley: moderate day-to-day cover for GP visits and remote consultations, plus mid-level hospital protection for unexpected incidents.
• Family with children: stronger day-to-day benefits to cover frequent child healthcare and vaccinations, combined with hospital benefits for major procedures.
• Retiree: emphasis on higher in-hospital limits with a supporting day-to-day component for routine medicines and check-ups.

Ready to compare specific options? View in-hospital benefit details on our hospital plan page and locate nearby providers with the Find a Hospital Provider tool to ensure local access.

Get a quote to compare monthly cost examples and choose the plan option that best aligns with your household needs - whether you prioritise routine care, stronger in-hospital protection, or a balanced approach.

Next steps for Kimberley residents

• Compare plan options on the combined plan page and confirm any waiting periods relevant to the benefits you need.
• Use the provider search to check access to private hospitals and clinics near Kimberley.
• Request a personalised quote online to see exact monthly premiums and benefit limits for your household composition.

Sources

• Affinity Health - Combined Plan details
• Affinity Health - Hospital plan information
• Statistics South Africa - Health indicators and demographics
• National Department of Health - policy information