Single Life, Secure Health: Why Combined Cover Matters for South Africans

For many young and working-age South Africans, balancing cost with reliable healthcare is essential. Singles face unique health insurance needs: from daily doctor visits and medications to unplanned hospital stays after an accident or sudden illness. A combined day-to-day and hospital plan streamlines this, making quality healthcare less stressful and more affordable.

How Combined Health Cover Benefits Singles

• One monthly premium for both daily medical needs and unexpected hospitalisation
• Direct access to private doctors, emergency services, acute medication, and basic dentistry
• Less risk of large cash outlays during health emergencies

Key Features of Day-to-Day and Hospital Plans

• Out-of-hospital cover: Doctor consultations, prescribed medication, optometry, basic dental and radiology
• Hospitalisation cover: Emergency admissions, accidents, surgery, prescribed in-hospital treatments
• Telephonic consultations with registered practitioners for routine queries or guidance

What's Included in a Combined Plan?

Combined cover means you don’t have to choose between hospital protection or managing everyday health costs. If you want to see how a day-to-day or hospital-only plan compares, check the day-to-day or hospital-only plan options.

Affinity Health’s Popular Combined Plans for Singles

Affinity Health offers several combined plan options well-suited for singles in the 18-54 age group:

• Standard Combined Plan:
• From R1,319 per month (age 18-54)
• Day-to-day benefits: GP, acute medication, optometry, basic dentistry, pathology and radiology cover within set annual limits
• Hospitalisation for major illness or accidental injury, surgery cover, maternity benefits, and in-hospital tests
• Emergency medical response included
• Innovator Range:
• Premiums vary by coverage combination and hospital excess chosen
• Six combination plans, all suitable for working-age singles
• Adds access to remote consultations for faster everyday advice and claims processes

Regardless of your career stage or lifestyle, these plans provide peace of mind for those sudden emergencies and help you manage recurring health costs effectively. See Innovator Range details.

How to Choose the Right Plan

1. Assess your routine medical needs - GP, dentist visits, or chronic medication
2. Estimate your risk of sudden hospitalisation (e.g., sports injuries, travel, unforeseen illness)
3. Decide if you want all-in-one cover or prefer separate plans
4. Compare monthly premiums and out-of-pocket charges for hospital admissions (excesses apply)

Provider Access and Support

Singles on Affinity Health plans can access an extensive national network of GPs, dentists, and private hospitals. Use the Find a Provider tool to locate preferred healthcare professionals, or search by hospital for planned or emergency care.

Budget-Friendly Strategies for Singles

• Set reminders for annual dental and vision check-ups to maximise your benefits
• Use telephonic or remote consultations for minor issues to avoid unnecessary in-person costs
• Keep emergency contact details and plan documentation handy for faster authorisation during hospital admissions

Sources

• Affinity Health - Combined Plan Details
• Affinity Health - Policy Rates and Premiums
• Affinity Health - Innovator Range Overview
• National Department of Health - South Africa