Affordable combined protection for your child’s everyday care and hospital needs

When you’re choosing medical insurance for a child, predictable monthly costs and comprehensive cover for both routine care and in-hospital events matter most. Affinity Health’s junior combined options bring day-to-day benefits alongside hospital protection so families can manage GP visits, immunisations and unexpected admissions within one budget-friendly plan option. Our Junior range is built specifically for ages 0-17 and includes both stand-alone and combined plans to suit different family priorities.

What a junior combined plan includes

• Day-to-day benefits: consultations with a healthcare practitioner, basic dentistry and optometry network access, and acute medicines within specified limits.
• Hospital benefits: in-hospital admissions, theatre and ward fees, approved clinician fees and procedures performed during a hospital stay.
• Support services: remote consultations with healthcare practitioners for quick advice and Emergency Medical Response coordination where required.

Why parents choose a combined junior plan

• Single monthly payment covers routine care and major events for easier budgeting.
• Reduced out-of-pocket surprises: in-hospital events are managed under the hospital portion of the plan.
• Access to private care pathways for faster treatment and continuity of care across providers.

Affinity Health’s Junior plans are intentionally simple: one day-to-day plan, one hospital plan, and one combined plan within the Junior range, so it’s easy to compare benefits and pick what fits your family. Learn more about the structure and child-specific inclusions on our Junior Cover page: Junior Cover.

Quick comparison: combined vs separate plans

If you want a detailed view of combined plan features and comparisons across Affinity’s combined options, view the Combined Plan overview here: Combined Plan. Ready to get a personalised summary? Get a quote now and compare plans for your child’s age and needs.

How to choose the right junior combined plan

Selecting the right option for your child depends on age, expected routine care, and your family budget. Young children often need higher day-to-day access for immunisations and frequent GP visits, while older teens may require broader hospital protection for injuries. Follow these practical steps.

Step-by-step selection guide

• Estimate routine usage: count expected GP visits, dental checks and eyewear replacements per year.
• Review hospital needs: consider activities with higher injury risk (school sports) and any planned procedures.
• Compare combined plan limits and exclusions to ensure essential services are covered within your budget.

Provider access and care pathways

Affinity Health gives access to a broad network of providers for both routine consultations and hospital admissions. Use our provider search to check availability near you and confirm which practitioners participate: Find a Provider. Knowing local availability helps ensure timely appointments and continuity of care for children.

Common inclusions and exclusions to check

• Inclusions: routine consultations, basic dental and optometry network access, in-hospital care and approved clinician fees.
• Exclusions: elective procedures not listed in the plan terms and services outside defined in-hospital settings.
• Waiting periods: some benefits may have waiting periods-confirm these before joining.

Compare plans, then use the online quote tool to see current monthly premiums and select the plan option that matches your family budget. Join now or compare plans to start protecting your child’s health with manageable monthly payments and clear benefit descriptions.

Sources

• Affinity Health - Junior Cover
• Affinity Health - Combined Plan
• National Department of Health South Africa - Official information
• Statistics South Africa - Health indicators