Why Do Couples Need a Combination Health Plan?

For couples at any life stage-whether starting a new family, managing dual careers, or preparing for retirement-securing robust health cover is vital. A combination health plan helps manage both those frequent, day-to-day healthcare costs (think GP visits or basic dentistry) and larger, unforeseen medical expenses like hospital admissions. By blending these essential benefits, couples access a practical, streamlined solution that removes gaps and limits unpredictable out-of-pocket spending.

Understanding the Core Benefits: Dual Protection, One Plan

• Access everyday medical needs-doctor consultations, prescribed medicines, minor medical procedures-without undue delays or major cash outlays.
• Hospital coverage for accidents, urgent procedures, or serious illness, safeguarding you from high treatment costs in private facilities.
• Direct access to 24/7 emergency ambulance and support services, ensuring timely hospital admission if unexpected events arise.

Who Should Consider a Combination Plan?

• Couples in their 20s-50s looking to plan for both frequent medical needs and emergencies.
• Partners managing chronic conditions alongside regular checkups.
• Those with shared financial commitments who want a plan that eases the strain of unexpected medical costs.

Benefit Overview-What’s Included?

Provider Access Across South Africa

Couples benefit from access to an extensive national network, giving peace of mind whether you’re consulting a routine healthcare practitioner or require private hospital admission. Find a provider near you to ensure easy, local access wherever you live or work.

Comparing Combination Plan Options for Couples

Several plan groupings cater specifically to adult couples-whether you seek core daily care, advanced hospital protection, or both. For most working-age couples, the Standard Combined Plan provides essential protection at a rate of R2,269 per month for two adults (ages 18-54). For those looking for more advanced, innovative combinations-including enhanced day-to-day and hospital benefits-the Innovator Range offers six unique options that blend these benefits in new ways for single adults and couples alike.

What Should Couples Look for When Choosing?

1. Evaluate regular healthcare needs-do both partners see a doctor often or need allied services (like basic dental care)?
2. Assess your risk for hospitalisation, like chronic illness or high-activity lifestyles.
3. Compare exclusions, annual caps, and support services offered by each combination plan.

How a Combination Plan Simplifies Real Life

• Streamlined claims process: Couples submit all claims to one provider, reducing admin hassles and uncertainties.
• Cover is effective anywhere in South Africa, whether you’re home in Pretoria or travelling to Cape Town for work or leisure.
• Both partners have the freedom to select healthcare providers within Affinity’s network for routine and in-hospital care-use the easy hospital locator tool as needed.

Step-by-Step: Getting Started

1. Compare available options and understand the price/budget balance for both partners-use Affinity’s plan rate guide.
2. Review benefit tables and any waiting periods for major procedures (such as elective hospital admissions or maternity, if relevant).
3. Select your plan and begin cover the month after approval-ensuring continuity of care is never interrupted.

Sources

• Affinity Health - Combined Plan Details
• Affinity Health - Innovator Range
• Affinity Health - Current Premium Rates
• Statistics South Africa - National Income Dynamics Study
• National Department of Health - South Africa Health Overview