A Smart Approach to Health Cover for Couples

When two people share their lives, they also share healthcare priorities-from routine GP appointments to the unexpected need for in-hospital treatment. A combination health plan merges both day-to-day benefits and hospital protection in a single, affordable monthly premium. This structure is especially valuable for couples in South Africa who want clarity, predictability, and comprehensive coverage.

What Does a Combination Health Plan Include?

• Day-to-day benefits: GP consultations, basic radiology, dentistry, optometry, and acute medication.
• Hospital benefits: In-hospital admissions, theatre and ward fees, approved in-hospital procedures, specialist and provider fees (when in hospital).
• Access to advice and support: Virtual consultations with registered healthcare practitioners for guidance and minor ailments.

Why Couples Choose Combination Plans

• Simplicity: A unified monthly payment streamlines budgeting.
• Predictable costs: Affordable rates mean protection without the burden of unpredictable medical bills.
• Peace of mind: Both day-to-day and hospital treatment are addressed together.

Affinity Health’s Combination Plan for Couples

Affinity Health specialises in providing accessible private health cover, including a Standard Combined Plan specifically designed for adults aged 18 to 54. Couples can expect:

• Routine GP visits with set benefit limits per beneficiary.
• Accident and illness hospital admission cover up to specific annual limits, including theatre and accommodation fees.
• Dental, optometry, and basic diagnostic services externally and during hospital stays.
• Fixed monthly premiums-currently for adults, R1,968 per person for the Standard Combined Plan (see all rates here).

More details on combination benefits are provided on the Combined Plan overview.

Daily Life, Planned Procedures, and More

From annual health screens to sudden medical events requiring a hospital stay, a combined plan is designed to relieve worry, providing practical day-to-day solutions as well as a foundation for more serious circumstances.

Comparing Combination Health Plans for Couples

Couples under 54 may also consider the Innovator plan options, which offer different combinations of day-to-day and hospital benefits for added choice.

Benefits of a Couple-Focused Approach

Financial planning as a couple often centres around major expenses-including healthcare. A plan that brings both daily needs and emergencies into one premium means shared responsibility and less stress if the unexpected happens. For couples hoping to start a family, or those preparing for life’s unpredictabilities, this approach is both practical and protective.

How to Choose the Right Plan Together

1. Assess shared health needs and routine care patterns-consider annual check-ups, dentistry, or regular prescriptions.
2. Identify any known risks (e.g., chronic illness or upcoming surgery) that may require higher hospital limits.
3. Compare plan types, ensuring both partners meet the age ranges for eligibility and preferred benefits.
4. Review premiums and annual limits with your combined monthly budget in mind. The Affinity Health rates page offers current pricing (see rates).

Practical South African Scenarios for Couples

• Young couples planning children may combine regular GP visits, wellness checks, and hospitalisation for maternity events.
• Working professionals benefit from convenient virtual consultations for minor ailments and robust hospital cover should emergencies arise.
• Couples with differing health priorities can find a plan that balances out-of-hospital benefits for one and higher hospital limits for the other.

For more guidance on choosing between plans or finding a healthcare provider, visit the provider search tool.

Provider Networks and National Coverage

Nationwide access is vital. Affinity Health’s combination plans link couples with thousands of private healthcare providers and hospitals throughout South Africa, allowing appointments and emergency care wherever life takes you. To ensure your hospital is in-network, you can check the latest facilities list using the hospital provider locator.

Sources

• Affinity Health Combined Plan Guide
• Innovator Range Information
• Current Premiums - Affinity Health
• South African Department of Health
• Statistics South Africa - Healthcare Utilisation