Plan options that balance everyday care and major medical events

Affinity Health offers clear, budget-friendly plan options designed for families, young professionals and retirees across South Africa. Our approach helps you manage routine healthcare costs while protecting against large in-hospital bills. Choosing the right combination of day-to-day benefits and hospital protection gives predictable monthly costs and peace of mind for common family scenarios.

What a family-focused plan typically includes

• Day-to-day care: GP consultations, basic dentistry and optical benefits through participating providers.
• Hospital protection: In-hospital admissions, theatre and ward fees, and approved clinician fees for in-hospital treatment.
• Remote consultations: Quick access to Healthcare Practitioners for non-urgent advice when you need it most.

How Affinity Health keeps cover affordable

• Clear plan options: Choose the combination of day-to-day and hospital benefits that fits your household budget.
• Simple terms: Straightforward benefit descriptions and defined excess choices to control monthly premiums.
• Provider access: Use participating private hospitals and Healthcare Practitioners for faster care pathways.

Compare core family benefits at a glance

For details on combined day-to-day and hospital options, view our combined plan overview and compare features to select what matches your family needs. Explore combined plans or learn specifically about routine care in our day-to-day guide. See day-to-day cover

Who benefits most from this approach

• Young families wanting predictable routine-care budgets and in-hospital protection for unexpected events.
• Dual-income households seeking value without sacrificing private facility access.
• Retirees who prefer clear in-hospital protection combined with limited routine benefits.

Ready to compare options? Get a quote and compare plans to find the right balance between day-to-day benefits and hospital protection for your household size and ages.

Choosing the right level and next steps

Selecting the most suitable family plan depends on family size, ages and expected healthcare use. Use this simple process to decide which plan option fits your budget and likely usage.

Step-by-step selection guide

• Estimate routine needs: Count expected GP visits, dental checks and eyewear replacements each year.
• Consider in-hospital risk: Think about planned procedures or recreational risks that may lead to admission.
• Compare plan options: Balance higher day-to-day limits for frequent outpatient care against stronger in-hospital limits for major events.

Practical use cases for South African households

• Family with young children: Prioritise robust day-to-day benefits and mid-level hospital protection for accidents.
• Empty-nester couple: Prioritise higher in-hospital protection with moderate day-to-day benefits for chronic check-ins and remote consultations.

What to check in plan documents

• Benefit limits and annual caps for day-to-day services.
• Definitions of in-hospital events and which clinician fees are covered.
• Waiting periods for specific services and any exclusions that might affect planned care.

Affinity Health has plan groups for different age ranges and needs: Junior (0-17), Standard Range and Innovator (18-54), Senior (55+), and Group Cover for working adults. Find the range that fits your household and compare plan options online.

If you want to check participating hospitals and facilities in your area, use our provider finder to confirm access before you join. Find a hospital provider or view specific plan pages for more detail: hospital benefits and in-hospital cover descriptions. See hospital plan details

Ready to act?

Compare plans, get a quote and join now to start protecting your family. Use our online quote tool to compare options quickly and choose a plan option that suits your monthly budget. Get a quote today, compare plans and join now to secure essential family protection.

Sources

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