A family-first approach to the best full medical cover for family needs

Choosing the best full medical cover for family protection means balancing everyday access to Healthcare Practitioners with reliable in-hospital protection for accidents, surgery and serious illness. Affinity Health offers a selection of combination plans and single-focus options designed for individuals, young professionals, families with children and retirees across South Africa. Our goal is to keep private health cover affordable and within reach while providing clear, predictable benefits and a large provider network.

What family-focused full medical cover includes

• Day-to-day benefits: GP consultations, basic dentistry, optometry network access and acute medicines (subject to plan limits).
• Hospital benefits: In-hospital admissions, theatre and ward fees, approved in-hospital procedures and selected in-hospital imaging.
• Support services: Telehealth consultations for immediate clinical advice and coordinated Emergency Medical Response when required.

Many families prefer a combined plan to avoid gaps between routine outpatient care and in-hospital events. Affinity Health offers combined plans across several plan groups, including Junior (0-17 years), Standard Range (18-54 years), Senior (55+ years) and Innovator (18-54 years). For groups of employees, Group Cover provides combination plans available only to qualifying groups.

See the detailed options and how combination plans are structured on our Combined Plan page to compare inclusions and choose the right mix of day-to-day and hospital benefits for your household.

How Affinity Health organises family cover options

• Junior Cover: Plans tailored for children, available as day-to-day, hospital or combined options for ages 0-17.
• Standard Range: Individual and family plans for adults aged 18-54, including day-to-day, hospital and combined choices.
• Senior Cover: Options for members 55+ with day-to-day, hospital and combined choices designed for later-life needs.
• Innovator Range: Six combination plan options for 18-54 year olds who want a specific mix of benefits.

Understanding which plan group fits your household is the first step toward securing the best full medical cover for family members at different life stages. In the next section we walk through selection steps, comparisons and practical considerations to help you decide.

Selecting the best full medical cover for family: practical steps

Start by listing your household composition and typical annual healthcare use: number of GP visits, routine dental or optometry needs, any planned procedures, and known health risks. Use those details to weigh how much day-to-day benefit you need versus hospital limits. Families with young children often prioritise stronger day-to-day benefits, while older adults may prioritise higher in-hospital limits.

Step-by-step selection guide

• Inventory routine needs: estimate GP visits, dental check-ups and eyewear replacements per year.
• Assess likely hospital exposure: consider sports, work-related risks and any planned procedures.
• Compare plan options: look at combined plans that balance day-to-day and hospital benefits and review waiting periods, exclusions and excess terms.
• Check provider access: ensure your preferred private hospitals and Healthcare Practitioners are available in the network.

Benefit comparison snapshot

If you want to prioritise everyday access, review the Day-to-Day options to confirm GP, dental and optometry limits and network rules. Learn more about outpatient options on our Day-to-Day Cover page.

Provider network and access

A strong provider network helps families access private hospitals and Healthcare Practitioners when they need them. Use our provider finder to confirm hospitals and practitioners in your area before you choose a plan: Find a Hospital Provider. When emergencies occur, Affinity Health facilitates Emergency Medical Response and fast authorisation for in-hospital admissions where appropriate.

Apply, compare and get a quote

Compare combination plan options, then get a quote to see exact premiums for your household composition. You can get an online quote quickly and compare plan options before you join. Get a quote, compare plans and choose the solution that keeps monthly costs predictable while providing the protection your family needs.

Sources

• Affinity Health - Combined Plan details
• Affinity Health - Day-to-Day Cover
• Affinity Health - Junior Cover
• Department of Health South Africa - Official guidance
• Statistics South Africa - Health statistics