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Stay ahead with our latest insights and proven strategies
Get comprehensive medical insurance that protects you for both hospitalisation and routine healthcare needs. Learn about combined hospital and day-to-day cover by Affinity Health.
Cover for routine care and hospital events with one simple plan.
Combined cover options help all South Africans fit medical insurance into their budget.
Access healthcare professionals and hospitals countrywide with Affinity Health plans.
Combined hospital and day-to-day health cover is designed for individuals and families seeking a single, practical medical insurance option that pays for both routine healthcare needs - like GP visits and basic dentistry - as well as hospitalization after accidents, surgery or serious illness. These plans simplify budgeting and make quality private healthcare more accessible across South Africa.
Affinity Health’s Combined Plans are offered across different age bands, with distinct options for children, adults, and seniors. For details specific to children or retirees, explore the Affinity Junior Cover or Senior Health Cover pages.
Did you know? Many South Africans avoid necessary check-ups or delay procedures due to cost. Combined plans help families get early treatment to prevent small issues becoming big emergencies.
Selecting a combined hospital and day-to-day plan should account for frequency of doctor visits, the ages of those covered, and potential risk of hospitalization. Affinity Health provides options that make it simple to match household needs and budget.
| Plan Category | Out-of-Hospital Benefits | In-Hospital Benefits | Available For |
|---|---|---|---|
| Junior Combined | GP visits, basic medicine, selected dental & vision | Hospital admissions, emergency care, child surgery | Children 0-17 years |
| Standard Combined | GP visits, dentistry, optometry, basic chronic medicine | Hospital stays, maternity, theatre, approved scans | Adults 18-54 years |
| Senior Combined | Day-to-day GP care, scripts, basic dental/vision | Hospital admissions, procedures, elderly-specific coverage | Seniors 55+ years |
To compare individual benefit levels, review the full breakdown on the Combined Health Plan page. For those considering advanced features or seeking added cover, the Innovator Range provides several combination plans with unique benefits for adults 18-54.
Affinity Health members can use a large nationwide network of private healthcare practitioners and hospitals. To find a practitioner, visit the provider search portal. For hospital admissions, consult the hospital network directory.
Disclaimer: This article is intended for informational purposes only and should not be considered medical advice. Always consult a qualified healthcare professional before making any decisions about your health or treatment.
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Get answers to common questions about Combined Health Plan
We believe that quality healthcare should be accessible to everyone. Our plans are designed to be cost-effective, providing value without compromising on essential benefits.
Affinity Health members have access to the largest healthcare provider network in the country, including GP’s, Dentists and Hospitals.
From routine check-ups to emergency medical services, our plans encompass a wide spectrum of healthcare services, including chronic medication cover and emergency medical services.
Understanding that healthcare needs vary, we offer flexible plans that can be customised to suit your specific requirements.
Qualified and motivated service agents powered by a state-of-the-art call centre.
Our dedicated team is available 24/7 to assist with pre-authorisation, telehealth consultations and emergency services.
Principal member premiums effective from 1 January 2026. Rates may vary by age and dependants.
| Plan | Principal premium | Main distinction | Details |
|---|---|---|---|
| Day-to-Day Plan | From R929/per month | — | View plan |
| Hospital Plan | From R1 434/per month | — | View plan |
| Vital Select | From R289/per month | Limited hospital-care plan | View plan |
| Combined Plan | From R2 098/per month | — | View plan |
| Chrome | From R589/per month | Day-to-day plus accident hospitalisation | View plan |
| Bronze | From R759/per month |
Choose the option that fits your needs
| Broader day-to-day benefits |
| View plan |
| Delta Max | From R839/per month | Adds diagnostic procedures | View plan |
| Standard Day-to-Day | From R929/per month | Broader routine healthcare cover | View plan |
| Standard Hospital | From R1 438/per month | Hospital cover | View plan |
| Standard Combined | From R2 098/per month | Combined day-to-day and hospital | View plan |