Comprehensive Health Security: Everyday and Hospital Cover in One Plan

Living and working in Sandton means prioritising health and wellbeing for yourself and your family. A combined medical insurance plan allows you to balance day-to-day healthcare needs-such as GP consultations, routine dentistry, and medicines-with extensive in-hospital protection for unforeseen accidents, surgical procedures, or serious illnesses. Affinity Health’s combined plan offers Sandton residents cost-effective solutions designed for diverse life stages, from young professionals to families and retirees.

Why Choose a Combined Health Plan?

• Single monthly premium covering routine visits and major in-hospital expenses.
• Private network access for fast appointments and specialist hospital care.
• Budget-friendly structure-no need to purchase multiple plans separately.
• Helps manage unpredictable out-of-pocket costs, giving peace of mind.

What the Combined Plan Offers

• Day-to-Day Benefits: General practitioner consultations, prescribed acute medication, basic dentistry, and optometry network access.
• Hospital Benefits: In-patient hospital admissions, theatre and ward costs, authorised specialist treatments while admitted, selected scans, and casualty visits for emergencies.
• Extra Support: Telephonic healthcare practitioner access for advice and authorisations, plus 24/7 ambulance coordination for emergencies.

Combined plans are suitable for Sandton professionals managing busy schedules, families with children in need of regular care, and retirees who require reliable hospitalisation benefits. Learn more about the Combined Plan to understand specific inclusions and limits.

Typical Benefits Overview

Plan premiums are based on the main member’s age and household make-up. For adults aged 18-54, the combined plan starts from current published premiums/month for a single adult, and current published premiums/month for a single parent with one child. See all up-to-date rates here. No hidden admin or joining fees apply.

Choosing the Right Combined Plan for Sandton Households

With multiple household scenarios in Sandton-from young professionals and families with infants to retirees-Affinity Health’s combined plan range offers tailored benefits by age group. Evaluate your typical healthcare costs, expected hospitalisation needs, and personal budget when selecting.

Selection Steps

1. List your annual routine and in-hospital healthcare usage for the past 2-3 years.
2. Compare plan prices and benefit levels for your main member’s age range (0-17, 18-54, 55+). Affinity Junior and Affinity Senior ranges are available for specific ages.
3. Review which private clinics and hospitals are available in Sandton with our hospital provider finder.
4. Check benefit limits, visit allowances, and hospital excess options for each plan range.

Frequently Asked Questions

• Who qualifies? Plans available for individuals, single parents, couples, and families (children up to 17, adults start at 18, senior cover from 55+).
• What’s the claims process? Simple claims through designated providers; pre-authorisation is required for planned hospitalisation.
• Are chronic medicines included? These are generally not included in standard cover; confirm your plan’s inclusions.
• Hospital selection? Private facilities and clinics across Gauteng and Sandton are part of the provider network.
• Waiting period details? Waiting periods may apply to some benefits (such as maternity); details are in each plan’s documentation.

Practical Advice for Sandton Members

• Use online tools to check which GPs and private hospitals are nearest your office or home.
• If dependants’ ages vary, combine plan levels for maximum efficiency and cost savings.
• Telephonic consultations allow you to access healthcare guidance after hours or from your workplace.

Sources

• Affinity Health - Combined Plan Overview
• Affinity Health - Latest Plan Rates
• Affinity Health - Hospital Provider Finder
• Statistics South Africa - Health and Access Figures
• South African Department of Health - Programs