A Complete Healthcare Solution for Couples: Everyday Wellness and Hospital Peace of Mind

Navigating health insurance as a couple means finding a plan that seamlessly covers routine healthcare needs and major unpredictable medical events. From regular GP visits to in-hospital care due to illness or accidents, a combined plan can simplify life for South African couples by offering protection across the full spectrum of healthcare needs. Affinity Health provides combined plans that bundle day-to-day benefits with hospital protection under one affordable monthly premium.

What does a combined plan entail?

• Day-to-day benefits: Cover for general practitioners, minor procedures, medication, optometry and dental check-ups.
• Hospital benefits: In-patient care, theatre and ward fees, specialist services while admitted, and selected in-hospital treatments.
• Predictable budgeting: One premium for diverse, essential benefits, making it easier for couples to plan monthly expenses.

Why couples prefer a single, combined plan

• Simplicity: Manage a single policy and premium for two people, rather than multiple separate plans.
• Shared benefits: Coordinate regular GP visits and routine check-ups together, with streamlined claims and network usage.
• Comprehensive support: A safety net for both partners, whether facing minor everyday issues or unexpected hospital admissions.

Key inclusions - What to expect

Plan options for every couple’s lifestyle

• Young professionals: Prioritise convenient day-to-day care for busy schedules and peace of mind for adventure or travel.
• Couples starting families: Balance routine health check-ups, screenings, and protection for acute or emergency events.
• Retiring couples: Stable premium structures, hospital cover for age-related events, and easy access to primary care.

Learn more about the combined plan’s structure and which benefits are included by visiting the Affinity Health Combined Plan page.

How to maximise value from your combined plan

Deploying your health cover effectively as a couple means understanding how to make the most of included benefits while avoiding gaps in protection.

Practical usage tips

• Stay proactive: Utilise day-to-day benefits for regular health screenings and minor ailments to maintain wellness for both partners.
• Leverage telephonic consultations: Save time and access immediate healthcare guidance without unnecessary in-person visits.
• Choose providers in the network: For optimal claim coverage and no unnecessary out-of-pocket costs, find approved providers through the online provider tool.

Affordability and budgeting

• Fixed monthly premium structures mean greater control over your financial planning.
• Example: Couples on the combined plan can expect monthly premiums starting from R1,638, scaling up modestly with higher benefit levels.
• View all up-to-date pricing and compare options at the Affinity Health policy rates page.

What to check in your chosen plan

• Benefit limits: Review the maximum annual cover for both day-to-day and hospital benefits.
• Waiting periods: Understand applicable periods before certain benefits become available, especially hospitalisation and maternity-related items.
• Network use: Confirm that regular providers are included for optimal service and ease of claims.

For deeper insight into hospital and day-to-day benefit details, visit the Affinity Health Day-to-Day Cover page or Hospital Plan Guide for plan comparisons and benefit details.

Sources

• Affinity Health - Combined Health Plan
• Affinity Health - Policy Rates and Pricing
• Statistics South Africa - Health expenditure
• National Department of Health South Africa - Private healthcare guidance
• Affinity Health - Homepage