Why a Combined Health Plan Suits Individuals

For single adults across South Africa, staying healthy means more than just being ready for emergencies. Routine healthcare, check-ups, and specialist consultations are just as important as having cover for hospital stays after accidents or surgery. But managing different policies for each need can be confusing and expensive.

Affinity Health provides a single, straightforward solution: combination health plans. These plans are tailored for individuals who want both reliable day-to-day medical cover and comprehensive in-hospital protection, all in a single offering, making health insurance easier to manage and more affordable.

Key Benefits for Individuals

• One monthly premium covers outpatient and in-hospital care
• Predictable costs with no hidden extras
• Access to a wide network of quality providers nationwide
• Convenient telephonic consultations for medical advice or repeat prescriptions

What Does a Combined Plan Include?

• Out-of-hospital GP consultations, medicines, basic dentistry and optometry
• In-hospital expenses for approved medical and surgical admissions
• Emergency medical response and support
• Selected diagnostic scans while admitted

Benefit Comparison Table

A combined health plan is ideal for urban professionals, contract workers, or anyone who lives independently and values both immediate healthcare and hospital event support, without overcomplicating their insurance needs.

Provider Networks: Quality and Convenience

Affinity Health connects policyholders with an extensive panel of healthcare providers and hospitals nationwide. Individuals can easily find day-to-day providers or choose facilities from the hospital network, making healthcare more accessible, whether at home or on the go.

Step-by-Step: How Singles Can Make the Most of a Combined Health Plan

1. Assess your health needs-Consider your lifestyle, routine care requirements, and any chronic conditions. Determine if you need higher day-to-day or in-hospital limits.
2. Review plan details-Each option comes with set benefits and contribution levels. Review annual GP, dental, and in-hospital limits with Affinity’s detailed combined plan overview.
3. Check benefit exclusions and authorisation requirements-Some treatments require prior approval, and certain conditions may have waiting periods.
4. Make use of telephonic consultations-If you’re unable to see a practitioner in person, telephonic consultations provide valuable immediate advice for minor concerns or repeat scripts.
5. Keep updated with yearly reviews-Affinity Health makes it easy to switch between plan options at renewal, so your cover always aligns with your changing needs.

Affordability for Single Adults

Combination plans for singles, such as the Affinity Health Standard Combined Plan, start from R1,013 per month. Premiums are age dependent for new applicants. By combining needs into a single policy, you help reduce overall out-of-pocket expenses compared to paying separately for routine and in-hospital treatment. See all available plan options here.

Lifestyle Insights for Singles

• Quick access to a healthcare provider after-hours
• Essential cover for workplace accidents, sports injuries, or unexpected illness
• No need to manage complex product combinations or multiple premiums
• Peace of mind for those with family living far away

When to Rethink or Adjust Your Cover

If your situation changes-such as starting a family or shifting into a new age group-combination plans offer the ability to move to specialised options like Affinity Health’s Junior or Senior plans. For unique cover needs, review the Innovator Range designed for individual plan combinations.

Sources

• Affinity Health - Combined Plan
• Affinity Health - Policy Rates
• South African National Department of Health
• Statistics South Africa - Health Insights