Family-focused combined health solutions that balance everyday needs and major events

An affordable combined health plan for family life brings day-to-day care together with in-hospital protection in a single, budget-friendly option. Affinity Health designs combined plans for South African individuals, young professionals, families with children and retirees who want predictable monthly costs while keeping access to private Healthcare Practitioners and hospitals.

What a combined plan includes

• Day-to-day benefits: GP consultations, basic dentistry and optical network access through the day-to-day component.
• Hospital benefits: In-hospital admissions, theatre and ward fees, approved in-hospital procedures and Emergency Medical Response support.
• Remote consultations: Virtual consultations with Healthcare Practitioners for minor concerns and follow-ups.

Why families choose a combined plan

• Predictable budgeting: One monthly premium covers both routine visits and major events, helping you plan household finances.
• Continuity of care: Use day-to-day benefits to avoid delays that can lead to more serious in-hospital treatment later.
• Access to providers: Private Healthcare Practitioners and hospital access across our network keep care timely.

How Affinity Health structures combined plans

Affinity Health offers combined plan options across age ranges: Junior plans for 0-17, Standard Range and Innovator options for adults, and Senior plans from 55+. Each combined option merges day-to-day benefits with hospital limits so you can choose the level that suits your household. Learn more about the combined plan choices on our Combined Plan page and explore day-to-day benefit details on our Day-to-Day Cover page.

Quick comparison: what you gain with a combined plan

Ready to compare options? Get a quote or compare plans to find the best monthly premium for your family composition and preferred benefit level.

Choosing the right combined plan for your household

Selecting an affordable combined health plan for family depends on ages, anticipated routine visits and risk exposure. Young families typically prioritise strong day-to-day benefits for frequent GP visits and child care, while older adults may prioritise higher hospital limits. Follow these practical steps to decide.

Step-by-step selection guide

• Inventory needs: Count expected GP visits, dental check-ups and eyewear needs each year.
• Estimate risk: Consider possible surgeries, occupational or sporting risks and chronic medication needs.
• Compare plan options: Look at combined plans across Standard Range, Innovator and Senior/Junior lines and weigh monthly cost against benefit levels.

What to watch for in plan documents

• Benefit limits and visit caps for day-to-day services.
• Waiting periods for certain benefits, such as maternity or specific procedures.
• Exclusions and in-hospital definitions so you know when hospital benefits apply.

Practical South African scenarios

• Family with young children: Prioritise day-to-day benefits for GP access and vaccinations plus mid-level hospital limits for unexpected events.
• Older couple: Higher hospital limits with sufficient day-to-day benefits for routine check-ups and chronic medication support.

Compare combined plan options and provider access to be certain your preferred Healthcare Practitioners and hospitals are available. Use our hospital provider finder to check availability near you: Find a Hospital Provider. For general provider lookup, visit: Find a Provider.

Next steps and resources

• Compare plans and get a quote online to see exact premiums for your household.
• Review combined plan documents carefully to understand limits, waiting periods and exclusions.
• Speak with an Affinity Health specialist if you need help comparing options for families or retirees.

Sources

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