A family-focused affordable combination health plan that balances everyday care and major events

An affordable combination health plan for family needs to balance routine out-of-hospital care - GP consultations, basic dentistry and acute medicines - with strong in-hospital protection for surgery, admissions and theatre costs. Affinity Health designs combined plan options to help individuals, families with children, young professionals and retirees access private care without unaffordable premiums. Learn how combined cover works, which benefits matter most to South African households, and how to choose a plan that matches your budget and healthcare needs.

What a combined plan covers for families

• Day-to-day benefits: GP consultations, basic dental check-ups, and acute medicines up to stated limits.
• Hospital benefits: In-hospital admissions, theatre and ward fees, approved healthcare practitioner fees and in-hospital procedures.
• Remote consultations: Virtual consultations with a healthcare practitioner for minor concerns and follow-ups.

Benefit highlights and how they help your household

• Routine access: Regular GP visits and basic dental care help keep preventive and acute needs affordable.
• Major-event protection: Hospital benefits cover the largest costs from accidents, surgery or serious illness.
• Budget predictability: One combined monthly premium simplifies household budgeting and reduces surprises.

Compare how combined cover works versus separate plans

Affinity Health’s combined plan options simplify family cover so you get both predictable routine care and protection from high in-hospital costs. Explore detailed benefit descriptions on the combined plan page and learn about day-to-day inclusions on the day-to-day page.

Who benefits most from a family-focused combined plan?

• Young families with frequent child GP visits and immunisations.
• Dual-income households wanting predictable monthly healthcare costs.
• Retirees or older adults who prioritise strong in-hospital protection alongside some out-of-hospital benefits.

Get a personalised overview and compare plan options to see which combined plan matches your family size and needs - get a quote to compare available plan options and pricing.

How to choose the right level of combined cover for your family

Selecting the right combined plan depends on household size, ages of dependants, and anticipated routine care. Follow these practical steps to decide and to limit unexpected costs.

Step-by-step selection guide

• Estimate routine needs: Count expected GP visits, dental check-ups and eyewear replacements per year.
• Assess risk exposure: Consider if anyone in the household has planned procedures or higher accident risk.
• Compare plan options: Review combined plan benefit tables and limits to estimate likely out-of-pocket spending.
• Confirm provider access: Ensure your preferred private hospitals and healthcare practitioners are available in the plan’s network.

Practical features South African families value

• Strong day-to-day limits for children’s GP visits and basic dentistry.
• Reliable in-hospital cover for admissions, theatre fees and approved healthcare practitioner charges.
• Remote consultations for quick clinical advice and follow-ups.

If you want to review hospital-specific inclusions, visit the hospital plan page. To locate private hospitals and providers associated with Affinity Health, check the find a hospital provider page and the find a provider page.

Making affordability work for your monthly budget

• Prioritise day-to-day limits where children require frequent care.
• Choose a budget-friendly excess level to lower monthly premiums while keeping strong hospital limits.
• Compare combined plan options side-by-side to find the best value for your household.

Ready to compare plans? Use the online quote tool to get a personalised illustration, compare plan options and join now to start cover. If you have group cover needs, see the group cover page for employer solutions.

Sources

• Affinity Health - Official homepage
• National Department of Health South Africa - Health programmes and information
• Statistics South Africa - National health indicators and statistics