Practical family protection: everyday care plus hospital cover

An affordable combination health plan for families should do two things well: keep routine healthcare accessible and protect against large in-hospital costs. Affinity Health offers plan options designed for young professionals, families with children and retirees who want predictable monthly pricing and clear benefit structures. These plans combine day-to-day benefits for GP visits, basic dentistry and acute medicines with hospital protection for admissions, theatre and approved in-hospital procedures.

Who benefits most from a combination plan?

• Young parents who need frequent GP visits and child healthcare access.
• Working professionals who want outpatient support for minor illnesses and strong hospital protection.
• Retirees seeking dependable in-hospital limits alongside routine outpatient consultations.

Affinity Health’s combined plan options are structured to let households balance routine service access with higher in-hospital limits. For a clear overview of how day-to-day benefits are structured, see the day-to-day plan details for examples of covered outpatient services: Day-to-Day plan details.

Core components and benefit breakdown

• Outpatient care: GP consultations, basic dental and optometry network access, and acute medication allowances.
• In-hospital protection: Admissions, theatre and ward fees, and approved in-hospital procedures.
• Support services: Remote consultations with a Healthcare Practitioner and Emergency Medical Response coordination where included by the plan.

If you want a concise view of combined plan features and how they compare to standalone hospital or outpatient options, the combined plan page explains typical inclusions and structure: Combined plan overview. For families with children, consult the junior cover information to see age-specific benefits and eligibility: Junior cover.

Simple comparison - what you get in one plan

Choosing the right option for your household

Selecting an affordable combination health plan for families depends on household size, ages and routine care needs. Start by listing expected GP visits, planned procedures and any chronic prescriptions. Compare plan options to see which mix of outpatient allowances and in-hospital limits keeps your monthly budget predictable while reducing potential catastrophic bills.

Step-by-step selection guide

1. Count routine needs: annual GP and dental visits, eyewear replacements, and expected acute medicine use.
2. Estimate risk exposure: consider children’s activity levels, occupations with injury risk, and any planned surgeries.
3. Compare plan options: focus on the balance between outpatient visit caps and in-hospital limits to match your budget.

Why South African families choose Affinity Health

• Budget-friendly plan options that make private care more accessible.
• Clear benefit descriptions so you can compare outpatient and in-hospital cover easily.
• Large provider network - find private hospitals and Healthcare Practitioners across the country using our provider search: Find a provider or check hospital locations here: Find a hospital provider.

Next steps - compare and join

To get started, compare combined plan options and request a personalised quote. Use the combined plan page to review inclusions and then get a quote to confirm exact monthly premiums for your household composition: Compare combined plans and get a quote. Joining is straightforward and prioritises access to private outpatient consultations and in-hospital protection when you need it.

Sources

• Affinity Health - Combined Plan information
• Affinity Health - Day-to-Day plan details
• National Department of Health - South Africa
• Statistics South Africa - Health indicators