How to Combine Day-to-Day and Hospital Health Cover for Complete Peace of Mind

For people in Kimberley who want stability in their healthcare budgets and access to private medical treatment, combining both day-to-day and hospital plans offers the broadest protection. Day-to-day benefits include routine doctor visits, basic dental work, optometry, and prescription medicines, while hospital cover steps in for severe accidents, surgeries, and emergencies. This dual structure shields you from unexpected out-of-pocket costs throughout your healthcare journey.

Who should consider combined health cover?

• Families seeking GP access, dentistry, and in-hospital protection
• Young professionals wanting one premium for everyday and major cover
• Seniors looking for affordable options post-retirement
• Anyone in Kimberley who wants to avoid large bills after medical events

What’s included in day-to-day benefits?

• Doctor consultations at contracted providers
• Basic optometry tests and spectacles (according to plan limits)
• Routine dentistry like check-ups, fillings, and extractions
• Acute medicines and basic pathology tests for everyday health needs
• Telehealth consultations with healthcare practitioners for advice or prescription repeats

Hospital benefits overview

• In-hospital admission costs and ward fees
• Surgical procedures and authorised treatments
• Emergency Medical Response and ambulance services
• Selected specialist fees for covered procedures
• Maternity and accident-related hospitalisation

Overview of plan group options

Plan Group	Eligible Age	Combined Plan Monthly Premium (Individual)
Junior	0-17	R779
Standard	18-54	R1,309
Senior	55+	R2,264

For details on specific benefits, visit the Affinity Health Combined Cover page.

Why more Kimberley households are choosing combined cover

• Predictable premiums across routine and emergency health events
• Ease of managing the whole family’s needs in one plan
• Wide provider access in Kimberley’s private clinics and healthcare centres
• Direct access to day-to-day healthcare instead of public clinic queues

Learn more about private hospital options in your region on our Hospital Provider Network page.

Step-by-Step: Selecting the Best Combined Plan for Your Kimberley Household

1. Identify your family composition and ages

Combined cover is available for children (0-17), adults (18-54), and seniors (55+), with corresponding plan groups. Households can mix and match groups to ensure each family member receives age-appropriate benefits.

2. Consider routine needs and hospital risk

• Children benefit from additional GP, dental, and optometry visits.
• Working adults may require higher hospital limits due to workplace or travel risk.
• Retirees often prioritise day-to-day benefits for chronic medication and regular doctor check-ups.

3. Compare pricing and inclusions

See the latest combined plan premiums for each age group on the Affinity Health pricing page. Remember, prices do not vary by location-even for Kimberley residents.

4. Check provider proximity and network access

Use our Find a Provider tool to locate GPs, dentists, and optometrists in Kimberley, all covered by your selected plan.

5. Review waiting periods and exclusions

• Some benefits on day-to-day and hospital plans may have waiting periods or specific exclusions; review policy documents carefully.
• For maternity, accident, and certain chronic conditions, confirm coverage start dates.

Frequently Asked Questions

• Are combined plans budget-friendly for all household types? Yes; with options for single adults, couples, children, and large families, you can select cover that matches your needs and budget.
• Will I have access to local Kimberley healthcare facilities? Absolutely. Affinity Health’s private network is extensive across the Northern Cape and Kimberley metro.
• Do plans cover telehealth consults? Yes, virtual consultations for minor medical questions, repeat prescriptions, and selected mental health advice are included in all plan groups.

For families with specific age mixes, explore details for Junior cover or Senior cover options.

Sources

• Affinity Health - Combined Plan Benefits
• Affinity Health - Pricing and Premiums
• Statistics South Africa - Healthcare Statistics
• South African National Department of Health