Understanding Combined Medical Insurance in Durban

For Durban residents seeking practical health cover, combined medical insurance plans offer an all-in-one solution that covers both everyday healthcare needs and unforeseen hospital events. Instead of managing separate policies, a combined plan from Affinity Health lets you pay a single monthly premium for cover that includes day-to-day doctor visits and major in-hospital costs.

What makes combined cover different?

• Convenience: Both routine and emergency care under one policy.
• Budget-friendly structure: Plans are designed to keep costs manageable for Durban families and professionals.
• Wide network: Access to private hospitals and healthcare providers across KwaZulu-Natal.

Core benefits for Durban households

• GP consultations for acute illnesses and minor injuries (no upfront payment required)
• Cover for dental and standard frames within provider network
• Acute and chronic prescribed medicines as per plan
• In-hospital protection after accident, serious illness, surgery, and childbirth
• Emergency Medical Response including ambulance services (with no waiting period and no activation required)

Comparing Affinity Health’s Combined Plan Options

Affinity Health’s combined plans are tailored to the needs of different age groups and life stages. Whether you’re a young professional working in Durban Central, part of a growing family in Umhlanga, or an older adult settling into retirement in Kloof, you can select a plan suited to your requirements and budget.

For more detail on plan rates, please submit a contact form and our team will assist you with information on plan pricing and benefits.

Benefit snapshot for Durban

• Unlimited plan GP consultations (subject to protocol and reasonable use)
• Defined dental, standard frames, and pathology benefits
• Hospital cover for accidents, illness admissions, and child birth events

Benefit Highlights and Practical Considerations

Combined plans are designed to remove the stress of choosing between daily healthcare and hospital protection. Durban clients can focus on wellness, knowing that both routine check-ups and major treatments are covered for a predictable monthly premium. Coverage includes:

• Preventive check-ups and child wellness visits
• Hospital care after injury, surgeries, or maternity stays
• Emergency Medical Response with ambulance support across Durban and KZN (included on all plans, no waiting period and no activation required)
• Access to Affinity Health's network of private hospitals

Choosing the right combined plan

1. Identify the ages and medical needs of each family member
2. Compare junior, standard, or senior options based on eligibility
3. Evaluate your expected yearly healthcare visits and potential hospital events

Read about the difference between day-to-day cover and hospital plans if you need more clarity before choosing a combined plan.