Child-focused combined health cover that balances routine care and hospital protection

An affordable combination health plan for children delivers routine benefits-GP visits, basic dentistry and acute medicine-for everyday care, alongside in-hospital protection for operations, admissions and theatre fees. Affinity Health’s Junior range is designed for children aged 0-17 and offers Day-to-Day, Hospital and Combined options so families can choose the mix of services that matches their needs and budget.

Why choose a combined Junior plan?

• Consolidated protection: Routine visits and in-hospital events are managed under one plan for predictable monthly budgeting.
• Child-focused benefits: Cover types are structured for growth stages - from infant care to school-age injuries and dental needs.
• Access to care: Use our provider search to find a suitable private Healthcare Practitioner or hospital near you.

Affinity Health’s Junior options let parents prioritise day-to-day access for frequent GP visits and immunisation-related consultations, while keeping strong hospital protection for higher-cost events. Learn more about the Junior range and plan features on the Junior Cover page: Junior Cover.

What each Junior option includes

If you already know you want both routine and in-hospital protection, the Combined plan overview explains how day-to-day benefits and hospital benefits work together: Combined Plan. For families evaluating costs, compare benefit scopes and visit caps when deciding which Junior option fits your household budget.

Ready to review options? Get a quote to see personalised premiums and plan features for your family composition and preferred benefit balance - compare plans and choose to join now once you know which combination best meets your children’s needs.

How to choose the right junior combined plan

Selecting the best combination health plan for children depends on how often your child needs routine care, any anticipated procedures, and your monthly budget. Below is a practical, step-by-step guide to help families compare options and estimate expected out-of-pocket exposure.

Step-by-step selection guide

• List routine needs: Estimate annual GP visits, dental checks and spectacles replacements for each child.
• Anticipate risks: Consider school sports or activities that raise the chance of injury requiring hospital care.
• Compare visit limits: Look for day-to-day visit caps, dentistry limits and medicine limits when comparing plans.
• Review waiting periods: Note any waiting periods that may apply to specific benefits so you can plan accordingly.

Provider access and practicalities

Affinity Health supports access to a broad provider network so families can find a private Healthcare Practitioner or hospital close to home. Use the provider search to confirm local practitioners and hospital options: Find a Provider and Find a Hospital Provider. Knowing nearby options helps minimise travel time and ensures faster access when urgent care or planned admissions are needed.

Affordability strategies for families

• Prioritise day-to-day limits if your child requires frequent GP or dental visits.
• Choose hospital limits that cover likely procedures for active children or those with planned surgeries.
• Compare combined versus separate Day-to-Day and Hospital options to see which yields a better monthly budget for your household.

South African family use cases

• Young families with toddlers: Emphasise strong day-to-day benefits for frequent developmental checks and acute medicines.
• School-age children in sports: Consider higher hospital protection for injuries requiring operation or admission.
• Families managing budget: Compare combined plans to get both routine access and in-hospital protection under one monthly premium.

Compare plans, get a quote and join now when you’ve confirmed the right balance of day-to-day and hospital benefits for your child. Start with the Junior range details and then compare combined options to see which plan matches your priorities.

Sources

• National Department of Health - South Africa
• Statistics South Africa - Health indicators
• World Health Organization - South Africa overview