Why Choose a Combined Health Plan in North West?

Residents across North West face unique health needs, from routine check-ups and prescriptions to the risk of unexpected hospital admissions. A combined health plan is designed to make private healthcare affordable, letting individuals, families, young professionals, and retirees access both general practitioners and private hospital benefits in one convenient package.

How Combined Cover Works

Combined health coverage merges two key types of medical protection:

• Out-of-hospital care: Covers consultations with GPs, basic dentistry, optometry benefits, and acute medicines.
• In-hospital protection: Takes care of costly events like surgery, accidents, or critical illness requiring hospital admission.

Typical Benefits of Combined Plans

• GP consultations and minor procedures
• Emergency response and ambulance services
• Private ward, theatre, and specialist fees (for approved hospital admissions)
• Radiology, pathology, and basic medicine (according to benefit limits)
• Limited optometry and basic dental care for primary member and dependants

Premiums for North West Families and Individuals

For detail on premiums for all members or family groupings, see Affinity Health's policy rates.

Network Access & Providers in North West

Combined plan members receive access to trusted healthcare providers across the North West region. Use our provider search tool to find practitioners and facilities near you, or explore local hospital coverage via our hospital locator.

Plan Varieties to Suit Every Stage of Life

Whether you're a young professional starting your first job in Mahikeng, a family with school-going children in Potchefstroom, or a senior enjoying retirement in Rustenburg, there's a combined cover solution to suit you. Here's how to decide which might fit best:

Step-by-Step Guide to Choosing Combined Health Cover

1. Assess medical needs: Consider how often you need doctor’s visits, chronic medication, or if your family has a history of hospital admissions.
2. Choose your age-appropriate range: Junior for children, Standard for adults, and Senior for those over 55.
3. Compare benefits and premiums on the combined plan page to ensure you get the right balance of routine and emergency cover.

Lifestyle Benefits for North West Residents

• Predictable expenses: Most everyday disease management and accident care handled through a single provider network.
• Supportive service: Local access to healthcare practitioners, with telephonic support and teleconsultations for advice or minor conditions.
• Budget-friendly solutions: Affordable premiums with no location-based pricing. Members control their health costs year-round.

Considerations Before Signing Up

• Review annual visit limits, benefit caps for day-to-day services, and in-hospital exclusions.
• Look at waiting periods for maternity, chronic care, or dental coverage (details on plan pages above).
• All pre-authorisation and emergency medical response processes are explained in plan documents.

If you are an employer in North West seeking solutions for your staff, see Affinity Health’s options for groups. For individuals, the combined health plan is available to those between 0-17 (Junior), 18-54 (Standard), and 55+ (Senior).

Sources

• Affinity Health - Combined Plan Overview
• Affinity Health - Plan Premiums and Pricing
• Provider Search - North West
• Statistics South Africa - Provincial Health Indicators
• World Health Organization - Universal Health Coverage