Balanced family cover: day-to-day care plus in-hospital protection

An affordable day-to-day and hospital plan for family needs to cover routine healthcare-GP visits, basic dentistry and acute medicines-while protecting you against large in-hospital costs from accidents, surgery or serious illness. Affinity Health designs budget-friendly plan options that help young professionals, families with children and retirees manage everyday healthcare and unexpected hospital bills without compromising access to private care.

What a combined family plan delivers

• Day-to-day benefits for routine care: GP consultations, basic dentistry, optometry network access and acute medicines.
• Hospital benefits for in-patient events: ward and theatre fees, in-hospital procedures and fees for approved medical practitioners.
• Remote consultations and nurse lines for immediate clinical advice without leaving home.

Who benefits most from this plan

• Young families needing strong day-to-day cover for child healthcare and immunisations.
• Dual-income households seeking predictable monthly costs and in-hospital protection.
• Retirees wanting essential in-hospital protection plus limited routine benefits.

Quick comparison - how day-to-day and hospital elements work together

Affinity Health’s combined plan options let families choose the right emphasis between routine access and in-hospital benefit limits. Learn more about our combined options on the combined plan page and compare day-to-day features to see which mix matches your household needs.

Explore plan options and get a personalised quote to see which combined plan suits your family. View plan details on our combined plan page and check how day-to-day benefits work on our day-to-day cover page.

How to choose the right combined plan for your family

Selecting the right affordable day-to-day and hospital plan for family depends on ages, planned healthcare use and monthly budget. Follow a simple process to match benefits to likely needs and financial comfort.

Step-by-step selection guide

• List routine needs: estimate GP visits, dental checks and eyewear replacements per year.
• Consider major-event risks: planned procedures, sports or occupational hazards and family history.
• Compare benefit mixes: prioritise higher day-to-day limits for young families or stronger in-hospital limits for higher-risk households.

Practical features families look for

• Clear in-hospital definitions and what is covered when admitted to a private facility.
• Reasonable annual limits and clear rules for routine visits and acute medicines.
• Access to remote consultations for same-day clinical advice and nurse guidance.
• Emergency Medical Response arrangements for urgent transport and hospital admission support.

Provider access and how to use it

Affinity Health offers a national provider list so you can find participating hospitals and day-to-day practitioners near you. Search the hospital network or locate a practitioner to confirm access in your area.

Find participating hospitals on our hospital provider finder and locate day-to-day practitioners on the provider finder.

Next steps and common questions

• Compare combined plan options to see monthly contributions that suit your household budget.
• Review waiting periods for specific benefits and in-hospital admission rules.
• Get a quote online to compare exact monthly contributions for your family composition.

Ready to compare plans? Use the combined plan comparison to view features side by side and request a quote to see plan contributions that match your family. Learn more about hospital-specific benefits on our hospital plan page.

Sources

• Affinity Health - Combined Plan details
• Affinity Health - Day-to-Day Cover overview
• Affinity Health - Hospital plan information
• National Department of Health - Government health information
• Statistics South Africa - Health statistics and indicators