Practical family health cover that balances everyday needs and major medical events

Families need predictable monthly costs, fast access to private care and protection from large hospital bills. Affinity Health offers plan options designed for families, young professionals, and retirees across South Africa - combining day-to-day benefits for routine care with hospital protection for serious illness or surgery. Our plans aim to keep private healthcare within reach while offering clear, easy-to-understand benefits.

What family-focused plans include

• Day-to-day benefits: GP consultations, basic dentistry and optometry network access, and acute medication benefits when applicable.
• Hospital protection: In-hospital admissions, theatre and ward fees, approved in-hospital procedures and diagnostic scans performed in hospital.
• Remote consultations: Access to remote consultations with a healthcare practitioner for quick advice and triage.

Choose the right plan group for your household

Affinity Health offers plan groups that reflect common life stages and household needs. Families with children can explore the junior options, working-age adults should review the standard and innovator ranges, and older adults can see senior-specific choices. For details on combined options that include both day-to-day and in-hospital benefits, view our combined plan information here. If you need stronger day-to-day cover, compare those benefits on this page.

How families benefit

• Predictable budgeting: A single monthly premium helps families plan household finances without surprise hospital bills.
• Routine care access: Day-to-day benefits support immunisations, child check-ups and common acute care needs so small issues are treated early.
• Hospital security: In-hospital events are often the most expensive - hospital protection reduces catastrophic out-of-pocket risk.

Provider access and network considerations

Affinity Health connects members to a broad set of private providers and hospitals. Before using any service, you can check provider availability using our provider search tools and confirm where your plan will be accepted. Find local providers via our directory here.

Get a quote to compare monthly premiums and benefit levels for your specific family composition. Use online quoting tools for instant estimates and to compare combined versus separate day-to-day and hospital options.

Selecting the best combined plan for your family

Deciding between stand-alone day-to-day cover, stand-alone hospital protection, or a combined plan comes down to how often your family uses routine services and how much risk you want to shift away from out-of-pocket spending. Below are practical steps to make that choice.

Step-by-step selection guide

• List expected routine needs for the year: GP visits, dental check-ups, and eyewear replacements for each family member.
• Assess exposure to major events: Consider sports, occupation and planned procedures that might require hospital admission.
• Compare combined versus separate plans: Combined plans simplify administration and budgeting, while separate plans let you prioritise specific benefits.

Examples of suitable family choices

• Young family with frequent child GP visits: A combined plan with stronger day-to-day benefits and mid-level hospital protection.
• Dual-income parents with older children: Mid-range combined plan to balance routine care and robust hospital limits.
• Household with older adults 55+: Consider senior-specific combined options that reflect age-based benefit structuring.

Comparing plan features - quick view

How to compare quotations

• Compare monthly premiums against expected routine costs and the financial impact of a hospital admission.
• Check waiting periods, benefit limits and any required co-payments in plan documents.
• Review provider acceptance in your area; search for hospitals and practitioners using our hospital provider finder here.

Ready to compare options? Get a quote and review combined plan options to find the balance between routine access and in-hospital protection that suits your family budget. Use online quoting tools to see plan options tailored to your household composition and ages.

Sources

• Affinity Health - Combined Plan
• Affinity Health - Day-to-Day Cover
• National Department of Health South Africa - Health Programmes
• Statistics South Africa - Health Indicators