Why a combined plan is often the best choice for families

Choosing the best combination health plan for family means getting both day-to-day benefits for routine care and hospital protection for major events in one budget-friendly plan. Families benefit from predictable monthly premiums, coordinated claims, and easier access to private care when it matters most. Affinity Health’s combined options are designed for individuals, parents with children, and working couples who want clear cover without unnecessary complexity.

What combined cover includes

• Day-to-day benefits: GP consultations, basic dentistry, optometry network services and acute medicines in line with the chosen plan level.
• Hospital benefits: In-hospital admissions, theatre and ward fees, approved practitioner fees and in-hospital procedures.
• Remote consultations and advice lines: Fast access to a Healthcare Practitioner for minor concerns and after-hours guidance.

Who should consider a combined plan?

• Young families with frequent GP visits and child healthcare needs who want to avoid paying for routine care out of pocket.
• Dual-income households that need dependable hospital protection for surgeries or accident admissions.
• Single parents and professionals seeking straightforward cover that combines everyday care and larger medical protection.

Affinity Health offers combined plan options across its Standard Range and Innovator lines. Each plan balances day-to-day benefits with hospital protection so you can choose the level that matches your family size and monthly budget. Learn more about combined plan details and plan structure on the Affinity Health combined plan page: Affinity Health - Combined Plan.

How Affinity Health keeps family cover affordable

• Clear plan options across age groups (Junior, Standard Range, Senior and Innovator) so families can choose the right cover for each member.
• Practical benefit design that focuses on essential day-to-day services plus in-hospital protection.
• Support services and a broad provider network to reduce administrative delays and improve access to care. Find local providers and plan network locations: Find a Provider.

If you want deeper detail about the day-to-day component before you compare combined options, review the Affinity Health day-to-day overview here: Affinity Health - Day-to-Day Cover.

Choosing the best combination health plan for family: step-by-step

Selecting the right combined plan is a practical process. Focus on family size, ages, expected routine visits, planned procedures and your monthly budget. The following steps help you pick a plan that matches real household needs without paying for cover you don’t use.

Step-by-step selection guide

• Survey usage: Estimate annual GP visits, dental checks and eyewear needs for each family member.
• Consider risk: Factor in sports, work-related risk or recent health events that could require hospital care.
• Match benefits: Compare combined plan options to see where day-to-day limits and hospital limits sit relative to expected needs.
• Compare quotes: Request personalised pricing and compare plan options side-by-side to choose the most budget-friendly combination for your household.

Real South African household scenarios (illustrative)

• Family with young children: Strong day-to-day benefits plus mid-level hospital protection to cover accidents and routine paediatric care.
• Working couple with no children: Moderate day-to-day benefits with higher hospital limits for peace of mind during surgical procedures.

Practical features to compare

• Visit limits and copayment terms for day-to-day services.
• Hospital benefit limits, in-hospital procedure definitions and emergency medical response arrangements.
• Waiting periods for certain services, including maternity and specific procedures.

Families with children should also review the Junior cover options for those aged 0-17 to ensure continuity of benefits across the household. Explore Junior plan details here: Affinity Health - Junior Cover.

Next steps: compare, quote, join

Get a personalised quote to compare combined plan pricing and benefits for your exact family composition. Use the provider search to confirm nearby hospitals and Healthcare Practitioners in your area before you decide: Find a Hospital Provider.

Sources

• Affinity Health - Combined Plan
• Affinity Health - Day-to-Day Cover
• Affinity Health - Junior Cover
• South African Department of Health - National Resources
• Statistics South Africa - Health Indicators