Combined cover built for children and growing families

A combined Health Insurance plan for children matches routine, preventive and minor-care needs with in-hospital protection when more serious treatment is needed. Affinity Health’s Junior combined plan is designed for ages 0-17 and bundles day-to-day benefits such as GP consultations, basic dental and optometry with hospital-level cover for admissions, theatre and ward costs under one budget-friendly option.

What a Junior combined plan typically includes

• Day-to-day benefits: consultations with GPs and allied clinicians, basic dentistry and optical benefits within set limits.
• Hospital protection: in-hospital admissions, theatre and ward fees, approved clinician fees and authorised in-hospital procedures.
• Support services: remote consultations with clinicians and Emergency Medical Response coordination where relevant.

How Affinity Health keeps child cover affordable

• Simple plan options for Juniors that balance core day-to-day services and in-hospital limits.
• Clear excess and co-payment structures so monthly premiums remain budget-friendly for families.
• Access to a large provider network for faster care and predictable billing-see available providers to plan visits.

Compare the Junior combined plan details and benefit list to make sure routine child healthcare needs (immunisations, school physicals, acute GP visits) are covered alongside in-hospital protection for injuries or illnesses requiring admission. For an overview of Affinity Health’s Junior options, visit the Junior Cover page.

If you’d like to see how combined benefits stack up against standalone plans, read the Combined plan summary on our website to compare inclusions and common exclusions before you decide.

To estimate monthly costs and find the right balance between monthly premium and out-of-pocket exposure, check current pricing on the rates page and request a quote tailored to your child’s age and family composition.

Get a quote now to compare Junior combined options and see immediate pricing for your family.

Choosing the best combined Health Insurance for children

Selecting the most suitable combined plan for a child depends on three practical factors: the child’s age, expected routine care use and your household budget. Younger children typically need stronger day-to-day benefits (frequent GP visits, immunisations and dental checks), while older teens may require greater hospital protection for sports-related injuries or sudden admissions.

Step-by-step selection guide

• List typical routine needs: number of GP visits, dental check-ups and potential optical replacements per year.
• Estimate risk exposure: consider sports, travel or activities that could increase the chance of injury.
• Compare plan options: weigh day-to-day limits against hospital limits and any applicable waiting periods.
• Request a quote to verify exact premiums and confirm inclusion details for the Junior combined plan.

Provider access and care pathways

Affinity Health’s Junior combined plan gives children access to a nationwide network of hospitals and healthcare practitioners. Use the provider search to find in-hospital locations and clinicians close to you, helping reduce surprise travel and administration when care is required. Find hospital providers here: Find a Hospital Provider, and non-hospital practitioners here: Find a Provider.

Why families choose a Junior combined plan

• Predictable monthly premiums for both routine and in-hospital care, reducing the chance of skipping appointments.
• Integrated care: simple claims and authorisation pathways when a child needs admission.
• Peace of mind: Emergency Medical Response and clinician-led remote consultations for urgent advice.

Compare Junior combined plan details and see how they fit your family by visiting the Combined Plan page and then request a personalised quote. Ready to proceed? Get a quote, compare plans and join now to secure cover for your child.

What to review in plan documents

• Benefit limits for day-to-day items and any annual caps.
• In-hospital inclusions, definitions of admission and covered procedures.
• Waiting periods for specific benefits and the excess or co-payment structure.

Sources

• Department of Health - South Africa
• Statistics South Africa - Health Indicators
• World Health Organization - South Africa