Family Health Cover That Balances Everyday Care and Major Events

Affinity Health offers affordable comprehensive health cover for families who need reliable protection for routine healthcare and in-hospital events. Our combined plan options link day-to-day benefits with hospital protection, giving households predictable monthly contributions and access to private care when it matters most. This approach is designed for young professionals, families with children, and retirees looking for budget-friendly plan options without sacrificing essential services.

What a family-focused combined plan includes

• Day-to-day benefits: GP consultations, basic dentistry and optometry network access, and acute medicines through routine benefits.
• Hospital protection: In-hospital admissions, theatre and ward fees, approved consulting clinician fees and in-hospital diagnostics and procedures.
• Remote consultations: Access to remote consultations with healthcare practitioners for immediate guidance and minor conditions.

Why families choose combined cover

Combined plans reduce the chance that routine costs lead to delayed care while protecting against large, unexpected bills from accidents or surgery. For families with children, pairing strong day-to-day benefits with hospital protection ensures immunisations, GP visits and urgent admissions are all covered under one budget-friendly plan option.

Compare plan structures and find the right balance between routine benefits and in-hospital limits. Start by reviewing day-to-day benefit descriptions and then match hospital protection levels to your household risk profile. For clear plan descriptions, see our pages on Combined plans and Day-to-Day benefits.

Clear benefit breakdown for families

Families with children should also review our Junior plan pages to confirm child-specific benefits and waiting periods. See more on Junior cover for ages 0-17.

How to Choose the Right Level for Your Household

Selecting the right combined plan depends on family size, ages, routine care needs and monthly budget. Young families often prioritise stronger day-to-day benefits for frequent child healthcare, while households with older adults may choose higher hospital limits. Follow a simple process to decide:

Step-by-step selection guide

• List routine demand: Estimate annual GP visits, dental check-ups and eyewear replacements for each family member.
• Assess likely risks: Consider sports, occupational exposures and planned procedures.
• Match plan options: Compare day-to-day allowances against hospital protection to estimate potential out-of-pocket exposure.

Provider access and convenience

Affinity Health members benefit from a broad provider network and access to private hospitals and clinicians. Use our provider locators to find in-hospital facilities and non-hospital clinicians near you: Find a hospital provider and Find a provider.

Practical South African scenarios

• Dual-income couple with two children: Prioritise day-to-day access for routine GP visits plus mid-level hospital protection for unexpected surgery.
• Single parent with young children: Strong day-to-day benefits reduce out-of-pocket cost for frequent paediatric visits and vaccinations.
• Older couple approaching retirement: Higher hospital limits provide protection against serious illness-related admissions.

Next steps and member support

Get a quote in minutes, compare family plan options, and choose a budget-friendly plan option that provides both routine care and in-hospital protection. If you need help selecting a plan, use our online resources or request a personalised quote through the combined plan page.

Sources

• National Department of Health - South Africa
• Statistics South Africa - Health indicators
• World Health Organization - South Africa country profile