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With the rising costs of private medical care, many South Africans require health insurance that balances daily medical requirements with the need for in-hospital protection. Combination health plans are designed to offer this dual protection. These plans include both day-to-day cover for routine doctor visits and hospitalisation cover for significant health events.
Combination health plans, like those available from Affinity Health, minimise the risk of facing high out-of-pocket costs for either routine care or hospital admissions. This approach offers a simplified, predictable monthly premium structure, which is essential given how medical expenses can fluctuate unexpectedly.
A combination health plan protects you from gaps - ensuring you can access medical attention when you need it, without worrying about which scenarios are covered. Learn more about specific options on the Combined Plan overview page.
| Benefit Category | Day-to-Day | Hospital |
|---|---|---|
| GP Visits | Yes, up to set visit limits | Only during admissions |
| Prescriptions | Acute medication as prescribed | During approved admissions |
| Lab Tests/X-rays | Basic, out-of-hospital | All in-hospital investigations |
| Dentistry & Optometry | Included (limits apply) | Not typically included (except dental emergencies in-hospital) |
| Hospital Admission | No | Covers theatre, ward, ER, specialist fees |
These plans emphasise broad access rather than selective or restricted benefits, allowing South Africans to approach healthcare holistically.
Affinity Health’s combination plan options are structured to suit different life stages and needs. For 2024, monthly premiums for adults (age 18-54) start from R1,246 for single members, and from R2,413 for two adults. Child dependants aged 0-17 may be included from R617 per month per child. These amounts are sourced from Affinity Health's official rates and do not vary by region.
A detailed breakdown is available per product group. For new parents, Affinity Junior Cover provides a combined solution specifically for children.
Combination plans shine in real-world scenarios where families require check-ups, medications, and added protection for emergencies - preventing financial stress caused by unforeseen events.
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Discover how a combination health plan with Affinity Health delivers all-in-one protection for daily and hospital care, plus transparent pricing. Learn more now.
Covers both everyday medical needs and hospital emergencies in one plan.
Plan options for children, adults, and retirees with transparent pricing.
Single monthly premium reduces unexpected healthcare expenses.
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.
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.
Choose the option that fits your needs
Fast, friendly and helpful service received from Dimpho Pulo. No need for waiting, speedy response with positive outcome.
Verified customer
Brandon Singh was incredibly helpful and professional. They handled my query efficiently and made sure I understood the next steps clearly. I really appreciated their patience and friendly attitude. Great service overall!
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I got what I needed within minutes and saved money.
Verified customer
Thutuka provided exceptional service to me today. I wish him well and thank him for his kindness. A definite asset to Affinity Health.
Verified customer