Affordable combined family cover that balances routine care and major hospital events

Families need predictable monthly costs for routine healthcare plus reliable protection against large in-hospital expenses. Affinity Health offers combined plan options that bring day-to-day care together with hospital protection in one budget-friendly solution, helping young professionals, parents and retirees manage healthcare without sacrificing access to private facilities and approved clinical practitioners.

What a combined family plan typically includes

• Day-to-day benefits: GP consultations, basic dental and optical access, and acute medicines through approved networks.
• Hospital protection: In-hospital admissions, theatre and ward fees, and approved clinical practitioner fees for covered procedures.
• Support services: Remote consultations with a healthcare practitioner and coordinated Emergency Medical Response when required.

Why families choose combined cover

• Predictable budgeting: One monthly premium covers routine visits plus major events in hospital.
• Reduced financial risk: Hospital expenses are a leading cause of large out-of-pocket bills; combining cover helps limit those exposures.
• Convenience: A single plan simplifies claims and renewals for the whole household.

Compare specific benefit structures and get a fast estimate by viewing our combined plan details. Get a plan overview and compare options and then review day-to-day benefits for typical family needs.

Ready to compare plans? Get a quote or compare combined plan options to see which plan options suit your household composition.

How to choose the right level of cover for your family

Choosing the right combined plan depends on family size, ages and typical healthcare use. Use the step-by-step guide below to match plan features to your month-to-month budget and likely health needs.

Step-by-step selection guide

• Inventory routine needs: Count expected GP visits, dental check-ups and eyewear replacements per year for each family member.
• Assess hospital exposure: Consider sports, work-related risks or planned procedures that may increase the chance of in-hospital events.
• Match to plan options: Look for combined plans with appropriate day-to-day limits and sufficient hospital benefits for your estimated risk profile.
• Check waiting periods: Note any waiting times for specific benefits, especially for maternity or pre-existing conditions.

Provider access and using your plan

Many families value quick access to private care. Use our provider locators to confirm which hospitals and primary care practices accept your plan before you need care. Find hospitals and primary providers on our site to confirm access in your area.

Find hospital providers: Search our hospital network. Find primary care practitioners: Find a provider for routine care.

Common family scenarios and recommended plan focus

• Young family with small children: Strong day-to-day benefits for frequent GP visits, immunisations and dental checks.
• Dual-income households: Balanced combined plan with sufficient hospital limits and remote consultations for weekday concerns.
• Retirees or older dependants: Higher hospital limits and assured Emergency Medical Response access where needed.

Ready to move forward? Compare combined plan options, get a quote online and join now to protect your household from large, unexpected bills while keeping routine care affordable. For age-specific details, visit our Junior cover and Senior cover pages.

Sources

• South African National Department of Health - official guidance
• Statistics South Africa - health indicators and household data
• World Health Organization - South Africa country profile