Combined protection for children: everyday care plus in-hospital cover

Parents want predictable monthly costs and fast access to care when their child needs it most. A combined plan for children brings routine services - GP visits, basic dentistry and optometry - together with in-hospital protection for surgeries, theatre and ward costs. Affinity Health's Junior combined plan is designed specifically for ages 0-17 and balances essential day-to-day benefits with hospital cover to reduce the risk of large, unexpected bills.

What the Junior combined plan includes

• Day-to-day care: GP consultations, basic dental checks and optometry access within set benefit limits.
• Hospital protection: In-hospital admissions, theatre and ward fees, approved hospital clinicians and in-hospital procedures.
• Convenience services: Remote consultations with a healthcare practitioner for minor concerns and advice.

Who benefits most

• Families with young children who need frequent GP access and immunisations.
• Parents seeking predictable budgeting who want to avoid large hospital bills.
• Caregivers who value quick access to private providers and clinician advice for acute conditions.

Affinity Health offers a dedicated Junior combined plan so you don’t have to combine multiple adult plans or make separate arrangements. Learn more about the plan structure and inclusions on the Junior Cover page and see how combined benefits work in practice on the Combined Plan overview.

Benefit highlights parents ask about

• Routine GP visits for minor illness and follow-ups, helping catch problems early.
• Basic dental and optometry allowances to support school-age children’s routine needs.
• Structured in-hospital benefits for surgical procedures and admissions, with clear explanations of in-hospital definitions.

Choosing the right combined option for your child

Selecting a combined plan for kids should be guided by expected routine usage, any planned procedures and your monthly budget. Consider how often your child visits a GP, whether you need routine dental or optometry support, and the level of in-hospital protection you are comfortable paying for. Affinity Health’s Junior combined plan simplifies this by offering a single combined option that covers both day-to-day and in-hospital needs for children.

Practical comparison points

• Visit limits and benefit amounts for GP, dental and optometry.
• In-hospital inclusions such as theatre, ward and approved hospital clinician fees.
• Waiting periods and any specified age-based conditions for certain benefits.

How to estimate affordability

• Create a simple annual usage estimate: expected GP visits, dental checks, and any planned procedures.
• Compare those needs against the Junior combined benefits to understand likely out-of-pocket exposure.
• Remember that premiums do not vary by location and that Affinity Health’s Junior plan is specifically priced for children 0-17.

If you want to understand how day-to-day benefits work on their own, review the Day-to-Day Cover page. For families who also want stronger in-hospital limits, the Junior combined option already integrates both types of cover so one plan handles routine and hospital needs.

Provider access and getting care

Affinity Health maintains a nationwide provider network so you can access private hospitals, GPs and clinicians when required. Use the provider search to find an appropriate hospital or healthcare practitioner near you: Find a hospital provider. For non-hospital practitioners, use the general provider finder to locate a GP or dentist.

Next steps - compare and join

• Review the Junior combined plan inclusions and limits on the Junior page.
• Compare the combined plan with standalone day-to-day or hospital options if needed.
• Get a quote to see exact monthly pricing for your child and complete online enrolment when ready.

Ready to compare plans and get pricing for your child? Get a quote now and see how the Junior combined plan aligns with your family budget and care needs.

Sources

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