What a combined health plan delivers for South Africans

A combined health plan bundles day-to-day benefits with in-hospital protection so routine medical needs and major events are covered under one monthly premium. For individuals, families with children, young professionals and retirees, this approach reduces financial uncertainty: you get access to GP visits, basic dental and optometry benefits alongside cover for theatre, ward and approved in-hospital procedures.

Core components

• Day-to-day care: GP consultations, basic dentistry, optometry network benefits and acute medicines as defined by the plan.
• Hospital cover: In-hospital admissions, theatre and ward fees, approved in-hospital procedures and selected scans when admitted.
• Support services: Remote consultations for immediate advice and Emergency Medical Response when needed.

Why choose a combined health plan in South Africa?

A combined plan reduces the chance of skipping routine care that could prevent bigger problems and keeps you protected from large hospital bills. Affinity Health’s combined options are designed to be budget-friendly and straightforward for South African households. Learn about combined plan structure and plan options on our Combined Plan page.

Who benefits most?

• Young professionals who want predictable GP access plus protection against unexpected surgery.
• Families with children who need regular doctor visits, immunisations and in-hospital protection.
• Retirees seeking reliable hospital limits with limited out-of-hospital needs.

Provider access and convenience

Affinity Health supports access to a nationwide network of private healthcare providers so you can seek care where available. Use our provider search to find suitable in-hospital or out-of-hospital practitioners in your area: Find a Provider. This helps you plan where to use day-to-day benefits and where to go for in-hospital care.

Common combined plan features to evaluate

• Annual day-to-day limits and per-service allowances.
• Hospital limit per event and overall annual hospital benefit.
• Waiting periods for specific benefits and defined in-hospital conditions.

How to choose the right combined health plan

Selecting the right combined health plan depends on family size, ages, anticipated routine visits and tolerance for monthly cost versus potential out-of-pocket expense. Follow these practical steps to decide and compare plan options.

Step-by-step selection guide

• Estimate routine needs: count expected GP visits, dental check-ups and eyewear replacements per year.
• Consider hospital exposure: think about occupational, sports or lifestyle risks that might require surgical treatment or admissions.
• Compare plan options: look at annual day-to-day limits, hospital limits and any excess choices to see the monthly budget impact.
• Get a personalised quote: use the online quote tool to view monthly premiums tailored to your household makeup and ages.

Practical South Africa scenarios (anonymous, illustrative)

• Young couple: Moderate day-to-day benefits for GP visits and remote consultations with a middle-level hospital limit for surgical events.
• Family with two children: Higher day-to-day allocation for frequent child visits plus a hospital limit that covers unplanned admissions and procedures.

Pricing and budgeting

Affinity Health designs combined plans to be budget-friendly and predictable. Monthly premiums depend on ages and the plan option chosen; get an accurate premium by requesting a quote online. If you need detailed day-to-day benefit descriptions, visit the Day-to-Day page to compare allowed services and limits.

Next steps - compare and join

1) Use the Combined Plan page to review plan inclusions and limits. 2) Get a quote to see monthly premiums based on your household. 3) Complete the online application to start cover. Get a quote and compare plans now to find an option that balances daily care with in-hospital protection.

Sources

• Affinity Health - Combined Plan details
• National Department of Health South Africa - official guidance
• Statistics South Africa - health indicators and demographics