Combined health plan North West: dependable protection for everyday care and hospital events

A combined health plan in the North West province gives you day-to-day benefits (GP visits, basic dentistry and acute medicines) together with in-hospital protection for admissions, theatre and ward costs. Affinity Health designs budget-friendly plan options for young professionals, families with children and retirees to manage routine healthcare while safeguarding against large hospital bills.

Who benefits most from a combined health plan?

• Young professionals who want routine GP access and protection for unexpected surgery.
• Families with children needing regular GP visits, childhood care and predictable monthly costs.
• Retirees seeking reliable in-hospital protection plus limited out-of-hospital benefits.

How Affinity Health structures combined plans

• Day-to-day benefits: consultations, basic dentistry, optometry network access and cover for acute medicines subject to limits.
• Hospital benefits: in-hospital admissions, theatre and ward fees, approved medical practitioner fees and in-hospital procedures.
• Plan groups: Junior (0-17), Standard (18-54), Senior (55+), Innovator (six combination plans for individuals 18-54) and Group Cover (for employer groups).

Key benefits South Africans in the North West can expect

• Predictable monthly premiums to help you budget for both routine and major care.
• Access to private care and approved medical practitioners for faster treatment pathways.
• Remote consultations for quick clinical advice and lower out-of-hospital costs when appropriate.

Compare combined options to prioritise the benefits you need. If routine GP access is critical for your family, emphasise day-to-day limits. If you worry about surgery or extended admissions, focus on higher in-hospital limits. Learn more about day-to-day inclusions on our day-to-day cover page and about hospital benefits on the hospital plan page.

Simple comparison points when you look at combined plans

• Annual limits for day-to-day services and any visit caps.
• In-hospital benefit limits and what in-hospital procedures are included.
• Waiting periods for certain benefits and how these apply to families.

Ready to compare plans? Use the online plan comparison on our combined plan page to see which option aligns with your household needs and budget. Get a quote online and compare benefit details in minutes.

Selecting the right combined health plan for your North West household

Choosing a combined plan starts with listing likely routine needs and possible hospital exposures. Younger families often prioritise stronger day-to-day benefits for frequent child care; older adults typically favour higher in-hospital limits. Follow the step-by-step guide below to make a confident choice.

Step-by-step selection guide

• Inventory routine usage: estimate GP visits, dental and optometry needs per year for each family member.
• Assess hospital risk: consider planned procedures, sports or occupational risks and family medical history.
• Match benefits to budget: compare combined plan options and choose a plan that balances monthly premium with in-hospital limits.
• Review waiting periods and exclusions: these affect when certain benefits are available to you and your dependants.

Practical considerations for North West residents

• Provider access: check which private hospitals and clinics are accessible in your area before selecting a plan.
• Emergency Medical Response: ensure your plan supports coordinated emergency medical response where required.
• Group options: if your employer offers Group Cover, compare those plan options for potential cost advantages.

Find local approved providers and clinics with our provider search to confirm access before you buy: Find a provider. If you prefer hospital-specific searches, use the hospital provider finder: Find a hospital provider.

Getting started - practical next steps

• Compare combined plan options on the Affinity Health website.
• Request a quote for your household composition and review the benefit schedule carefully.
• Complete the online application and confirm your chosen start date and premium method.

Affinity Health’s combined plan options are designed to be budget-friendly while giving South Africans dependable access to private care. Ready to get started? Get a quote now, compare plans and join online to begin your cover.

Sources

• Affinity Health - Combined Plan details
• Affinity Health - Junior Cover and age ranges
• National Department of Health South Africa - health policy and guidance
• Statistics South Africa - demographic and health indicators