Understanding Combined Medical Insurance for South African Families

Families today need a health cover solution that addresses routine healthcare requirements-such as GP consultations and preventative screenings-while providing financial protection against the high costs of hospitalisation. Combined medical insurance is specifically designed to bridge this gap, ensuring both day-to-day and in-hospital events are covered. With Affinity Health, families gain access to private healthcare at rates intended to be practical and sustainable.

Key Elements of Combined Health Cover

• Day-to-day benefits: Includes general practitioner visits, medication, basic dental care, and optometry within set limits.
• Hospital cover: Assists with hospital admissions, surgery, maternity, and emergency medical response, subject to certain benefit categories.
• Multi-generational affordability: Plan options for children, adults, and seniors; premiums do not vary by location.

How Combined Cover Differs from Single-Benefit Plans

Single-benefit options often protect against either day-to-day expenses or hospital events, but many South African families need a more all-encompassing solution. Combined cover simplifies household budgeting and provides peace of mind by consolidating both benefit types within one plan.

Plan Options by Age Group

Explore the full range of combined health plans for families on the Affinity Health website.

Everyday Healthcare Benefits

• Consultations with registered GPs and nurses
• Chronic and acute medications for common conditions
• Basic dental and optical care within specified plan thresholds
• Pathology tests requested by approved practitioners

For further detail on daily health cover, review the day-to-day benefits overview.

Hospitalisation Benefits and Major Medical Events

With hospitalisation costs rising, having private hospital cover is essential. Affinity Health’s combined plans support families by providing a daily hospital cash benefit, theatre and ward coverage, and specialist consultations (within defined benefit limits) for both accidents and sudden illnesses. Maternity benefits and emergency response transport are also included, giving families confidence in managing major medical events.

Provider Network and Ease of Access

• Wide network of hospitals and medical practitioners for optimal accessibility
• Nationwide network: No variation in premiums by region
• Quick provider search for hospitals using the hospital finder tool

Every family member can access care close to home, whether for routine check-ups or emergencies. See all provider options with the network provider search.

Affordability and Premiums

What to Consider When Choosing Family Cover

• Assess family healthcare needs by age, lifestyle, and chronic conditions
• Compare plan features, including hospital and routine cover, to household requirements
• Review waiting periods for select benefits, especially maternity
• Budget for potential out-of-pocket expenses for non-covered items

To explore all available plan ranges for each age bracket, access the detailed pricing and plan overview page.

Sources

• Affinity Health - Combined Health Plan Guide
• Affinity Health - Premiums and Plan Options
• Affinity Health - Day-to-Day Plan Information
• South African National Department of Health - Health Programmes
• Statistics South Africa - Health Trends