IAP or not in mixed (virtual and non-virtual goods) subscription?

We want to provide a monthly subscription in our app that includes several features which are partly consumed in-app and partly outside. It's relatively clear for every feature individually whether IAP is required or not, but we don't know how to determine for the whole set.

The planned features are in detail:
  • an insurance (kind of health insurance, real-world service => no IAP)

  • free medical one-to-one video calls (=> no IAP)

  • discount codes for partner shops (=> IAP or not?)

  • discounted tickets for virtual live video events (consumed within the app => probably IAP)

  • several other unambiguously in-app features (=> IAP)

Is it possible to use a single payment system for the whole bundle of features or are we forced to split the set somehow?
IAP or not in mixed (virtual and non-virtual goods) subscription?
 
 
Q