Why choose a combination health plan for your child

A combination health plan for kids brings together day-to-day benefits (GP visits, basic dentistry and acute medicines) with in-hospital protection for surgery, admissions and theatre fees. For parents, this reduces the risk of unexpected large bills while keeping routine care accessible. Affinity Health’s Junior options are purpose-built for ages 0-17 and balance everyday needs with emergency protection.

Core benefits parents should expect

• Day-to-day: GP consultations, basic dental treatments and specified acute medicines subject to plan limits.
• Hospital: In-hospital admissions, theatre and ward fees, approved clinician fees and in-hospital procedures.
• Support services: 24/7 emergency medical response guidance and remote consultations with a Healthcare Practitioner where included.

Affinity Health’s Junior options include a Day-to-Day plan, a Hospital plan and a Combined plan so you can prioritise routine care, in-hospital protection or both. Learn more about the specific Junior options on the Junior Cover page: Affinity Health - Junior Cover.

Who benefits most from a combined child plan?

• Families with young children who need regular GP visits and immunisations.
• Active children at higher risk of injuries from sports or play, who need reliable in-hospital protection.
• Parents who want predictable monthly budgets for both routine care and unexpected admissions.

Plan design elements to review

• Benefit limits and visit caps for day-to-day services.
• In-hospital benefit limits and any excess levels that affect monthly premiums.
• Waiting periods for specific benefits such as certain procedures or admissions.

Where children can access care

Check which private providers and clinics are part of your plan’s provider list so routine visits and in-hospital claims are managed smoothly. Use the provider finder to locate participating clinicians and facilities: Find a Provider.

How to pick the best option for your child

Selecting the best combination health plan for kids depends on age, expected routine usage and your household budget. Younger children often need stronger day-to-day benefits for frequent GP visits and dental check-ups, while older children who play contact sports may benefit from higher in-hospital limits.

Step-by-step selection guide

1. List annual routine needs: estimated GP visits, dental check-ups and any planned optical care.
2. Assess risk exposure: consider sports, school activities and family history that might affect potential hospital events.
3. Compare Combined vs separate Day-to-Day and Hospital plans to see which gives the best value for expected usage.
4. Request a personalised quote and compare plan options to match monthly budgeting needs (get a quote and compare plans online).

Practical coverage examples for South African families

• Routine care focus: Choose higher day-to-day limits if your child has frequent GP needs or ongoing dental check-ups.
• Event protection focus: Select higher in-hospital limits if your child is exposed to injury risk or if you want stronger surgical protection.

Benefit comparison table - quick glance

Next steps and actions

Compare the Junior Combined option with standalone Day-to-Day or Hospital plans to see which aligns with your family’s needs. You can review plan details for day-to-day cover here: Affinity Health - Day-to-Day Cover, and for hospital specifics here: Affinity Health - Hospital Plan.

Get a quote to compare premiums and plan options. Many families find that a Combined plan for children provides the most predictable coverage for both routine and emergency care. Join now or compare plans to find the best fit for your child’s age and healthcare needs.

Sources

• Affinity Health - Junior Cover
• Affinity Health - Combined Plan
• National Department of Health South Africa - Official Information
• Statistics South Africa - Health Indicators