Family health cover that balances everyday care and major hospital events

A day-to-day and hospital plan for family needs to cover routine healthcare - GP visits, basic dentistry, optometry access and acute medicines - while protecting you from large in-hospital costs such as surgery, theatre and ward fees. Affinity Health offers budget-friendly combined plan options designed specifically for individuals, young professionals, families with children and retirees living in South Africa.

What a combined family plan includes

• Day-to-day benefits: GP consultations, basic dentistry, optometry network benefits and acute medicines up to plan limits.
• Hospital protection: In-hospital admissions, theatre and ward fees, approved clinical practitioner fees and in-hospital procedures.
• Virtual consultations: Access to remote consultations with a healthcare practitioner for minor concerns and follow-up advice.

How this suits South African families

Families often need predictable monthly costs for routine care while retaining strong protection for unexpected, high-cost hospital events. A combined plan reduces the chance routine expenses lead to delayed care, and provides private hospital access when needed.

Benefit comparison at a glance

For detailed descriptions of the day-to-day benefits, see our Day-to-Day Cover page. To review what in-hospital protection includes, visit our Hospital Plan overview.

Choosing the best option for your household

Selecting the right combined plan depends on family size, ages, routine healthcare use and monthly budget. Young families commonly prioritise stronger day-to-day benefits for frequent child GP visits and vaccinations, while older adults often prioritise higher hospital limits. Below is a practical step-by-step guide to help you decide.

Step-by-step selection guide

• Inventory routine needs: Count expected GP visits, dental check-ups and eyewear replacements per year.
• Estimate risk exposure: Consider any planned procedures, chronic prescriptions or occupational risks in the household.
• Compare plan options: Review combined plan descriptions and pick the balance of day-to-day and hospital benefits that meets your budget and needs.

South African use cases (typical priorities)

• Young professional household: Prioritise day-to-day benefits for quick GP access and virtual consultations, with mid-level hospital protection.
• Family with young children: Strong day-to-day benefits for immunisations and dental checks plus reliable hospital cover for accidents.
• Retiree couple: Higher hospital limits and day-to-day benefits for routine follow-ups and medication management.

How Affinity Health helps you compare and decide

Use Affinity Health's combined plan descriptions to compare cover inclusions, visit limits and in-hospital definitions. Review available plan options and then request a personalised quote to see exact premiums and benefit breakdowns. Learn more about our combined options on the Combined Plan page.

Next practical steps

• Compare plan inclusions and determine acceptable out-of-pocket exposure for routine visits and hospital events.
• Check provider access near you - find private hospitals and clinicians using our provider locator.
• Get a quote online and compare plan options for your family composition.

Find nearby hospitals and clinicians with our provider search to ensure convenient access: Find a Hospital Provider and Find a Provider. When ready, get a quote or join now from our homepage to compare plan options and see exact pricing for your family composition: Affinity Health homepage.

Sources

• Affinity Health - Combined Plan details
• National Department of Health South Africa - official health information
• Statistics South Africa - health indicators and population data