Understanding Combined Health Plans: Cover for Everyday Care and Hospital Events

Having access to a health plan that manages both daily healthcare needs and covers hospital events is essential for families and individuals in Kimberley. Combined health plans provide a single solution for doctor consultations, prescribed medication, preventative care, and private hospital admissions. Affinity Health supports the Kimberley community with plans that aim to remove financial barriers to quality private healthcare, making it easier to care for loved ones while protecting against health emergencies.

What Do Combined Plans Include?

• Day-to-day benefits: GP visits, acute medicines, basic dentistry, and optometry network access.
• Hospital benefits: Private hospital admission, approved surgery, ward and theatre fees, specialist fees linked to admission, maternity admission, and select in-hospital diagnostic scans.
• Healthcare practitioner consultations via phone or video for fast, convenient access to medical advice.

Why Choose Combined Cover Instead of Single-Purpose Health Insurance?

Combined plans provide Kimberley residents peace of mind by:

• Ensuring you can get routine care for minor and moderate conditions before they worsen.
• Offering private hospital admission for major operations, injuries, and maternity stays.
• Consolidating your health cover costs into a single predictable monthly premium.

Who Needs Combined Plans in Kimberley?

• Young professionals looking for practical, budget-friendly health protection.
• Families wanting to ensure children receive routine and emergency care without sudden costs.
• Retirees seeking accessible day-to-day healthcare and comprehensive hospital cover for peace of mind.
• Anyone whose lifestyle or work increases the likelihood of both everyday and sudden medical needs.

Standard Combined Plan: Everyday Cover for Adults (Ages 18-54)

The Standard Combined Plan pairs GP, dental and eye-care visits with private hospital admission for illness or injury. Monthly premiums start at R1,133 for single adults. Visit the Affinity Health Combined Plan overview for benefit details.

Junior and Senior Combined Plans: All-Age Family Protection

For children (0-17), the Junior Combined Plan includes routine vaccinations, doctor visits, dental, and hospital care from R895 per child monthly. The Senior option (55+) offers similar benefits tailored for retirees, starting at R1,379 per adult. Review full plan benefits at Junior Cover and Senior Cover.

Comparing the Top Health Plan Ranges in Kimberley

Features That Make Combined Plans Stand Out

• Budget-friendly monthly premiums with simplified benefit structures.
• A single plan caters for daily care and high-cost emergencies or planned surgery.
• Expanded care options, including doctor consultations by phone and video.
• Predictable out-of-pocket costs through co-payments and fixed excess amounts.

Healthcare Provider Access in Kimberley

Affinity Health members benefit from an established network of healthcare providers across the Northern Cape. Quickly locate a hospital online using the Find a Hospital Provider tool. For out-of-hospital visits, use the Provider Finder for GP, dental, and optometry locations near you.

How to Get the Most Out of Your Combined Plan

1. Register each family member for the correct plan based on age and health needs.
2. Use doctor-by-phone services for advice on common ailments or for script renewals.
3. Schedule routine check-ups, dental visits, and eye exams to catch issues early.
4. Keep emergency contact details at hand in case of hospital admission situations.

Important Considerations in Plan Selection

• Check specific benefit limits, co-payments, and waiting periods for certain procedures or admissions.
• Review exclusions and out-of-hospital coverage thresholds within each document.

Sources

• Affinity Health - Combined Health Plan Details
• Affinity Health - Current Premiums
• Affinity Health - Junior Cover
• Affinity Health - Senior Cover
• Affinity Health - Innovator Range
• South African National Department of Health