Why Combined Health Cover Matters for Single Adults

Managing your personal health is crucial, especially for single professionals and adults in South Africa who often balance busy work schedules, travel, and the unpredictability of illness or accidents. Combining day-to-day medical benefits with hospital protection in one plan is increasingly popular - allowing for a streamlined approach to health insurance, predictable monthly costs, and vital peace of mind.

Benefits of Combined Plans for Singles

• Seamless protection for everything from GP visits and medication to major hospital admissions.
• Control and clarity over your healthcare budget, eliminating the need for separate plans.
• Quick access to private GPs and emergency facilities, crucial for working adults with time-sensitive needs.

What Do Day-to-Day and Hospital Benefits Include?

• Day-to-Day: Consultations with general practitioners, basic dentistry, optometry, acute medication, select pathology tests, and wellness assessments.
• Hospital: In-patient admissions, theatre and ward fees, surgical procedures, prescribed medication during hospital stays, and pre-authorised specialist consultations.
• Telehealth services: Access to telephonic consultations with healthcare professionals for advice and guidance, supporting both daily and acute needs.

Premiums and What Influences Your Cost

Affinity Health offers singles (adults aged 18-54) the Standard Combined Cover: for an individual, the monthly premium is from R1,596. Your chosen excess (out-of-pocket payment per hospital event) can help reduce the premium further. For more plan options, including the innovative cover with custom combinations, see their Innovator Range.

All combinations are subject to plan rules, excess options, and age brackets. Details are available on Affinity Health’s policy rates and pricing page.

Provider Access and National Network

Affinity Health gives members access to a wide network of healthcare providers across South Africa. Use their provider finder tool to locate approved GPs, dentists, and pharmacies near you. For hospital admissions, the hospital provider network ensures access to private facilities for covered events.

How to Choose the Right Day-to-Day and Hospital Plan

Choosing a combined health insurance plan as a single adult means weighing your current health, lifestyle, and risk factors. Here’s a step-by-step approach to help make the right decision for your needs:

1. Estimate your average GP, dental, and pharmacy visits for the year.
2. Think about future possibilities: Are you at higher risk for hospitalisation due to sports, travel, or chronic conditions?
3. Compare benefits, exclusions, and waiting periods on the combined cover page.
4. If your needs change, you can switch between available plans at renewal.

Everyday Flexibility and Emergency Assurance

A combined plan fits the single lifestyle: one monthly premium, one provider for claims, and support for both check-ups and emergencies. With South Africa’s rising private healthcare costs, securing essential cover ensures you avoid large, unexpected bills.

• Routine needs: GP, dental, eyes, and medication for flu, infections, injuries, or screening.
• Major life events: Surgery, accidents, or short-term hospital stays.
• Instant access: Use telephonic support for triage and health advice, with referrals for in-person treatment as needed.

Comparing Plan Options for Singles

Singles can choose the benefit structure - and excess - that aligns with their health risk, expected use, and pocket. Review the full breakdown on the Affinity Health pricing page for the latest options.

Sources

• Affinity Health - Combined Plan Summary
• Affinity Health - Policy Rates and Pricing
• Affinity Health - Innovator Range
• Statistics South Africa - General Household Survey 2022
• World Health Organization - Global Health Expenditure 2022