Family health cover that balances everyday care with major events

Finding the best comprehensive health cover for family needs to do two things: keep routine appointments and prescriptions affordable, and protect you from large hospital bills when they matter most. Affinity Health offers plan options designed for young professionals, families with children, and retirees in South Africa - from day-to-day benefits to full in-hospital protection in a combined plan.

What a combined family plan typically includes

• Day-to-day benefits: GP consultations, basic dentistry and optometry allowances, and acute medicines via approved providers.
• Hospital cover: In-hospital admissions, theatre and ward fees, approved clinician fees and in-hospital procedures.
• Support services: Remote consultations with a healthcare practitioner and Emergency Medical Response coordination when required.

How Affinity Health structures family options

Affinity Health’s plans are grouped to match life stages and household needs. The Standard Range (18-54 years) and Innovator options offer combined plans for working-age adults, while Junior cover (0-17) and Senior cover (55+) are built for younger and older dependents. Group Cover is available only through employers or associations. Learn more about specific combined plan benefits on the Combined plan page and compare day-to-day inclusions on the Day-to-Day plan.

Key features families look for

• Clear in-hospital definitions and what is covered during admission.
• Reasonable day-to-day visit allowances so children and adults get timely care.
• Simple authorisation processes and wide provider access for faster treatment.
• Plan options that let you prioritise core benefits while managing monthly premium levels.

Quick comparison - Day-to-day vs Hospital vs Combined

Choosing the best family option - a step-by-step guide

Select the right combined option by matching plan features to your household’s healthcare habits, ages and budget. Families with young children often prioritise generous day-to-day allowances; households with older adults may weigh higher in-hospital limits more heavily. Use the following steps to decide and compare plans quickly.

Step-by-step selection

• Count expected routine visits per year (GPs, dental, optometry) for each family member.
• Consider likely hospital risk factors (planned procedures, chronic conditions, active lifestyles).
• Compare combined plan options for the right mix of day-to-day benefits and in-hospital protection.
• Request an immediate quote to compare monthly premiums and any excess choices that alter cost exposure.

How Affinity Health keeps family cover affordable

• Plan options across Standard Range and Innovator let you choose levels that suit household budgets.
• Junior and Senior ranges provide age-appropriate combined options for dependents and retirees.
• Large provider access helps members find approved clinicians and facilities with straightforward authorisation steps.

Compare specific combined plan inclusions and how they match your family composition on the Hospital plan page, and see Junior and Senior options if you’re adding dependents using the Junior cover and Senior cover pages.

Everyday use cases for South African families

• Routine paediatric visits and vaccinations without high out-of-pocket costs are supported via day-to-day allowances.
• Emergency Medical Response and in-hospital protection reduce financial shock after accidents or urgent surgery.
• Remote consultations with a healthcare practitioner give fast advice for minor concerns and reduce unnecessary travel.

Sources

• National Department of Health - South Africa
• Statistics South Africa - health indicators and demographics
• World Health Organization - South Africa country profile