Budget-Friendly Combined Medical Insurance Designed for South African Families

A combined medical insurance plan bundles routine healthcare benefits with in-hospital protection so families can manage both everyday costs and larger medical events under one budget-friendly plan. Affinity Health focuses on accessible, lower-cost Health Insurance for young professionals, growing families, and retirees across South Africa with plan options suited to different ages and household needs.

What a combined plan covers

• Day-to-day benefits: GP visits, basic dentistry, optometry network access and acute medicines as set by the plan.
• In-hospital protection: Admissions, theatre and ward fees, approved clinical practitioner fees and procedures carried out in hospital.
• Support services: Remote consultations with healthcare practitioners and Emergency Medical Response coordination where applicable.

Plan groups relevant to families

Affinity Health offers plan groups that suit different age ranges. Families commonly combine plans across age groups to cover everyone:

• Affinity Junior (0-17 years) for children - dedicated junior day-to-day and hospital options. See Junior details here.
• Standard Range (18-54 years) for parents and working adults - standard combined plans suitable for many family budgets. Learn about combined plan structure here.
• Affinity Senior (55+ years) with options geared to retirees who need hospital cover and selected out-of-hospital benefits.

Why a combined plan often makes sense for families

• Predictable budgeting: One monthly premium covers routine visits and in-hospital events, reducing the need to pay separately for every GP visit.
• Continuity of care: Access to approved clinical practitioners and in-hospital services through a single plan structure.
• Convenience: Simplified claims and administration when one plan handles most household healthcare needs.

For details on day-to-day benefit design and limitations, review our day-to-day plan overview to match routine-care expectations with hospital limits: Day-to-Day plan page.

Comparing combined options and choosing the right one

Selecting a combined plan depends on family size, ages, typical healthcare use and how much you plan to spend monthly. Below is a practical comparison and selection guide to help South African households decide which combined plan works best.

Quick comparison table

Step-by-step selection guide

• Calculate expected routine visits per person (GP, dental, optical) and whether children need more frequent care.
• Estimate hospital risk: consider planned procedures or family medical history and choose an in-hospital limit accordingly.
• Compare monthly premium against likely annual out-of-pocket costs and choose the balanced plan option for your budget.

South African family use cases (scenarios)

• Young parents: prioritise strong day-to-day benefits for child healthcare and immunisations while keeping moderate hospital limits.
• Parents of teens: careful balance of day-to-day and higher hospital limits for sports injuries or unexpected surgeries.
• Multigenerational households: combine Junior plans for children and Senior plans for older adults to ensure age-appropriate benefits.

To review in-hospital benefit definitions and provider information, consult the hospital plan page for detailed descriptions of covered in-hospital events: Hospital plan details. For a snapshot of current premiums by plan, visit our pricing page for up-to-date figures and sample monthly costs: Current pricing.

Next steps: compare plans and get a quote

Compare combined-plan options side-by-side, consider family ages and expected usage, then request a personalised quote to see exact monthly premiums. Use the combined plan page or request a quote online to compare plan options and sign up quickly: Compare combined plans and get a quote.

Sources

• Affinity Health - Combined Plan overview
• Affinity Health - Day-to-Day plan information
• Affinity Health - Current pricing and premiums
• National Department of Health South Africa - Health services