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Stay ahead with our latest insights and proven strategies
Choosing between a hospital plan and a combined plan is a key decision when it comes to safeguarding your health and your budget. Affinity Health offers both options, each serving specific stages and lifestyles. The core difference is that a hospital plan provides in-hospital event coverage, while a combined plan merges hospital protection with routine, out-of-hospital healthcare benefits for a more comprehensive approach. This overview will help you compare these products side by side and align your health cover with your unique needs.
| Feature | Hospital Plan | Combined Plan |
|---|---|---|
| In-hospital admissions | Covered | Covered |
| GP & routine visits | Not included | Included |
| Basic dentistry | Not included | Included |
| Prescription medication (acute/chronic) | Not included | Included (up to benefit limits) |
| Emergency support | Yes | Yes |
The hospital plan covers significant in-patient events like accidents, surgeries, and illnesses requiring hospitalisation. The combined plan covers both hospital and essential day-to-day healthcare needs, such as GP consultations and basic dentistry.
Personalising your package: Young professionals may prioritise in-hospital event coverage, while families with children-or anyone needing regular GP care-often benefit from a combined approach.
Determining whether you need a hospital plan or a combined plan depends on your health priorities, frequency of medical visits, and risk tolerance for unforeseen events. South African families often select a combined plan for broader coverage, whereas single adults may prefer hospital cover for catastrophic protection at lower monthly costs.
Review what’s included in the hospital plan for an in-depth breakdown.
Read more about combined cover options at Affinity Health Combined Plan.
Unique insight: Policyholders cannot individually adjust benefit levels mid-term in Affinity Health plans. Any changes require switching between plan options, which makes your initial choice crucial.
No matter which plan you select, Affinity Health’s provider network is extensive-simplifying access to practitioners or hospitals nationwide. Use the Find a Provider tool to locate healthcare practitioners for day-to-day needs, or Find a Hospital Provider for approved hospitals if you have a hospital or combined plan.
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Discover the main differences between hospital plans and combined plans in South Africa. Compare day-to-day and in-hospital benefits with Affinity Health.
Understand key differences to match your needs and budget.
Hospital plans or combined cover for young adults, families, and seniors.
Benefit from an extensive provider network with both plan types.
Disclaimer: This article is intended for informational purposes only and should not be considered medical advice. Always consult a qualified healthcare professional before making any decisions about your health or treatment.
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We believe that quality healthcare should be accessible to everyone. Our plans are designed to be cost-effective, providing value without compromising on essential benefits.
Affinity Health members have access to the largest healthcare provider network in the country, including GP’s, Dentists and Hospitals.
From routine check-ups to emergency medical services, our plans encompass a wide spectrum of healthcare services, including chronic medication cover and emergency medical services.
Understanding that healthcare needs vary, we offer flexible plans that can be customised to suit your specific requirements.
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Our dedicated team is available 24/7 to assist with pre-authorisation, telehealth consultations and emergency services.
Principal member premiums effective from 1 January 2026. Rates may vary by age and dependants.
| Plan | Principal premium | Main distinction | Details |
|---|---|---|---|
| Day-to-Day Plan | From R929/per month | — | View plan |
| Hospital Plan | From R1 434/per month | — | View plan |
| Vital Select | From R289/per month | Limited hospital-care plan | View plan |
| Combined Plan | From R2 098/per month | — | View plan |
| Chrome | From R589/per month | Day-to-day plus accident hospitalisation | View plan |
| Bronze | From R759/per month | Broader day-to-day benefits | View plan |
| Delta Max | From R839/per month | Adds diagnostic procedures | View plan |
| Standard Day-to-Day | From R929/per month | Broader routine healthcare cover | View plan |
| Standard Hospital | From R1 438/per month | Hospital cover | View plan |
| Standard Combined | From R2 098/per month | Combined day-to-day and hospital | View plan |
Choose the option that fits your needs
Get answers to common questions about Combined Health Plan