Practical combined medical insurance for children - protection parents can afford

Parents need predictable monthly costs for routine healthcare and peace of mind for unexpected in-hospital events. Affinity Health’s junior range is built specifically for children (ages 0-17) and offers Day-to-Day, Hospital, or a Combined plan that brings both benefits together in one budget-friendly option. Our junior combined plan helps manage GP visits, basic dental and optometry needs while safeguarding families from large hospital bills if a child needs surgery or admission.

What a junior combined plan includes

• Day-to-day benefits: GP consultations, basic dentistry and optometry access, and acute medicines within set benefit limits.
• Hospital benefits: In-hospital admissions, theatre and ward fees, and approved in-hospital procedures.
• Convenient access: Use our provider listings to locate participating healthcare practitioners and private hospitals close to home.

Why a combined plan is often the best choice for children

• Consistent care: Routine consultations and treatments are covered so parents don’t delay GP visits for minor illness or injuries.
• Comprehensive protection: In-hospital events are covered under the same plan, reducing the chance of large out-of-pocket bills.
• Affordability: Junior plans are priced to be accessible for families while offering essential protection for younger members.

How benefits work in practice

• Day-to-day visits are claimed against the plan’s annual limits; in-hospital events use hospital benefit limits and normally require pre-authorisation where appropriate.
• Some treatments are only covered when provided during a hospital admission; routine outpatient procedures remain under day-to-day benefits.
• Waiting periods can apply for certain benefits; review plan documents carefully before you apply.

If you want to compare cover options that combine routine care and in-hospital protection, see the combined plan overview here: Combined Plan. For a deeper look at how day-to-day benefits work, visit the Day-to-Day information page: Day-to-Day Cover.

Choosing the right junior combined plan for your family

Selecting the most suitable combined plan depends on your child’s expected routine needs, any planned procedures and your monthly budget. Younger children often need more frequent GP visits and immunisation-related consultations, while older children may have higher accidental-injury risk from sports. Follow the steps below to match cover to need.

Step-by-step selection guide

• Estimate routine usage: Count expected GP visits, dental checks and eyewear replacements per year for each child.
• Consider hospital exposure: Think about sports or activities that increase injury risk and whether a higher hospital limit is sensible.
• Compare the junior Day-to-Day, Hospital and Combined options and choose the one that balances routine access with in-hospital protection.

Quick comparison - junior options

Accessing providers and getting care

Find participating healthcare practitioners and private hospitals using our provider directory so you can confirm where your child can get covered care. Use the provider search to locate GPs or hospitals near you: Find a Provider and for hospital locations use the hospital provider directory: Find a Hospital Provider.

How to apply and next steps

• Compare the junior plan options and decide whether Day-to-Day, Hospital or Combined best fits your family.
• Request a personalised quote online to confirm the monthly premium for each child and the specific benefit limits.
• Complete the application and select your preferred payment method to start cover for your child.

Affinity Health’s junior combined plans are designed to make private medical insurance for children accessible and budget-friendly. Get a quote and compare junior options so you can choose protection that matches your family’s needs.

Sources

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