Budget-friendly combined protection for children

A combined plan for children gives families one simple monthly payment that covers both routine out-of-hospital care and in-hospital events. Affinity Health’s Junior combined option is built specifically for children aged 0-17 and balances everyday access to GPs and basic services with protection for surgery and admissions when they matter most.

What a Junior combined plan includes

• Day-to-day benefits: GP consultations, basic dentistry and optometry network access for children.
• In-hospital protection: Admissions, theatre fees, ward costs and approved clinician fees when hospital care is required.
• Support services: Remote consultations for quick advice and Emergency Medical Response coordination for urgent events.

Choosing a Junior combined plan keeps routine appointments predictable while ensuring major medical costs for children do not become a sudden financial burden. Learn more about specific Junior plan inclusions on our Junior Cover page.

How Affinity Health keeps plans affordable

• Consolidated combined option for children to reduce separate premiums for routine and hospital care.
• Clear benefit structure so you know which services are covered and what to expect at claims time.
• Budget-friendly plan options that allow families to prioritise core benefits while managing monthly costs.

Provider access and practical use

Children on a Junior combined plan can use our provider listings to find a local private hospital or approved clinician when needed. Use the provider search to check nearby options and make appointments with confidence: Find a Hospital Provider.

Common family scenarios

• Routine immunisation and GP visits are covered within day-to-day limits, keeping preventative care affordable.
• Accidental injury requiring admission will be managed through in-hospital benefits, avoiding large out-of-pocket invoices.
• Short-term illnesses that need observation or minor procedures in hospital are covered by the in-hospital portion of the combined plan.

Ready to compare plan details and see your options? Get a quote to view precise benefit levels and monthly pricing for your family composition. You can compare plans and join now with an online application.

How to choose the right Junior combined plan

Selecting the right option for your child depends on age, expected routine visits, and the level of in-hospital protection you want. Follow these simple steps to match your needs to the correct plan option.

Step-by-step selection guide

• Estimate routine needs: Count expected GP appointments, dental check-ups and eyewear needs per year for each child.
• Consider risk exposure: Think about sports, travel or activities that could increase the chance of accidental injury.
• Compare combined benefits: Review what the Junior combined plan covers and how routine limits and in-hospital benefits interact.

Useful comparisons and what to expect

Practical tips for parents

• Use the combined structure to avoid separate premiums and simplify monthly budgeting for your family.
• Keep routine files up to date and know your network options - check providers via our non-hospital listings for local clinicians: Find a Provider.
• When in doubt, get a personalised quote so you can compare exact monthly premiums and benefit limits based on your child’s age and family composition.

Next steps - compare, get a quote, join now

Compare plan details on the combined plan page and request a quote to see specific pricing for your child’s age group: Combined Plan. Once you have a quote you can join now online and start protection for your child from the agreed start date.

Sources

• Affinity Health - Junior Cover
• Affinity Health - Combined Plan
• Affinity Health - Find a Provider
• South African Government - Health