Balanced family protection: routine care plus in-hospital cover

An affordable day-to-day and hospital plan for families should make routine visits, child healthcare and unexpected hospital admissions manageable within a monthly budget. Affinity Health offers budget-friendly plan options that combine out-of-hospital benefits for everyday needs with in-hospital protection for surgery, theatre and ward fees, and approved in-hospital procedures. These combined plans are designed for individuals, families with children, young professionals and retirees in South Africa who want predictable monthly costs and reliable access to private care.

What a combined family plan typically includes

• Day-to-day benefits: GP consultations, basic dentistry and optometry network access, and acute medication cover within set limits.
• Hospital benefits: Admissions for illness or injury, theatre and ward fees, approved clinician fees for in-hospital treatment and in-hospital scans or procedures.
• Support services: Remote consultations for immediate advice and Emergency Medical Response where appropriate.

How Affinity Health structures combined plans for families

Affinity Health groups plans into ranges that match age and household composition. For family needs the Standard Range (for adults 18-54) and the Innovator range (also for adults 18-54) provide combined plan options, while Junior cover protects children aged 0-17. Each combined plan includes both day-to-day and hospital benefits in one budget-friendly package so you can manage routine care without sacrificing protection for large, unexpected costs.

Compare core features at a glance

Learn more about the specific day-to-day benefits that suit frequent child and family healthcare needs on the day-to-day cover page and view combined plan structures on the combined plan page. If you have children, review the Junior plan options for 0-17 year olds on the Junior cover page to see child-specific inclusions.

Who benefits most from a combined family plan?

• Young families needing frequent GP access, immunisations and paediatric care.
• Dual-income households seeking predictable monthly healthcare costs.
• Retirees or multi-generational households who want day-to-day care plus in-hospital protection.

Get a quote to compare plan options and see exact monthly premiums for your family composition. Use online quoting tools to compare benefit levels and excess choices and choose the budget-friendly option that fits your needs.

Choosing the right combined plan for your family

Selecting the best level of cover depends on family size, ages, routine care needs and how much you want to protect against large in-hospital bills. Follow a simple process to assess needs and compare plans.

Step-by-step selection guide

• Estimate routine usage: Count expected GP visits, dental check-ups and eyecare needs per year.
• Consider risk exposure: Think about potential surgeries, high-impact activities or existing conditions among family members.
• Match benefits to budget: Compare day-to-day limits and hospital inclusions across combined plan options.

Practical considerations for South African families

Affinity Health provides plan options across age ranges so you can include children on Junior cover and adults on Standard or Innovator combined plans. Review hospital provider locations to confirm convenient access - find hospital providers on the Affinity provider search to ensure your preferred facilities are available.

Read about hospital plan inclusions and use the provider locator for nearby options: find a hospital provider.

Practical examples of plan use (South Africa scenarios)

• Routine paediatric care and vaccinations funded from day-to-day benefits, while emergency appendectomy costs are covered by hospital benefits.
• Regular GP visits for chronic condition monitoring paid from day-to-day limits, with hospital admissions covered when surgery is required.

Next steps - compare plans and get started

Compare combined plan options and request a quote to see exact monthly premiums for your family. Use the combined plan overview to compare benefit structures and then get a personalised quote online to confirm pricing and start dates. If you want to confirm provider access, use the provider search to verify hospitals and non-hospital clinicians in your area.

Get a quote now or compare plans to find the best budget-friendly combined option for your household.

Sources

• Affinity Health - Day-to-Day cover page
• Affinity Health - Combined plan information
• Affinity Health - Hospital plan guide
• National Department of Health - South Africa