Practical combined medical insurance designed for families

A combined medical insurance plan pairs day-to-day benefits with hospital protection so families can manage routine health needs while being covered for in-hospital events. Affinity Health focuses on affordable, reliable Health Insurance options for individuals, couples, young professionals, families with children and retirees across South Africa.

What combined cover includes

• Day-to-day benefits: GP consultations, basic dentistry, optometry network access and acute medicines to keep routine costs manageable.
• Hospital benefits: In-hospital admissions, theatre and ward fees, approved clinician fees and in-hospital procedures to protect against large bills.
• Support services: Virtual consultations and Emergency Medical Response where applicable, plus claims administration for authorised events.

Who this plan suits

Combined cover is ideal for families who want predictable monthly costs for routine care while avoiding significant out-of-pocket expenses from surgery, accidents or serious illness. Young families often prioritise day-to-day benefits for frequent child healthcare, while households with older adults may place more emphasis on robust hospital protection.

How Affinity Health structures family cover

• Clear plan options across the Junior, Standard and Innovator groups to match age brackets and needs.
• Combined plans available that consolidate day-to-day care and hospital protection in one budget-friendly policy; learn more about our combined plan options here.
• Simple benefit summaries and defined waiting periods so you can plan ahead and compare outcome exposures.

Quick comparison: combined vs separate plans

If you want a straightforward family option, our combined plans give a single point of cover that reduces the chance of skipping routine care while protecting you from large hospital bills. For details on day-to-day inclusions, see our day-to-day plan information here.

Choosing the right combined option for your family

Select a plan that matches your household composition, typical GP usage and appetite for out-of-pocket exposure. Consider these practical steps to decide:

Step-by-step selection guide

• List routine needs: estimate annual GP visits, dentistry check-ups and eyewear replacements for each family member.
• Estimate hospital risk: think about sports, driving exposure and any planned procedures when choosing hospital limits.
• Compare plan options: look at the combined plan benefits and visit caps to match likely usage and budget.

Provider access and practicalities

Affinity Health provides access to a wide network of private hospitals and approved clinicians across South Africa. Check provider availability for your area with our provider finder here or search hospital locations here.

Affordability tips for families

• Match day-to-day limits to actual usage to avoid unused benefits while keeping premiums budget-friendly.
• Choose household compositions that reflect age bands correctly - Junior options are available for 0-17 and Senior for 55+.
• Plan for waiting periods: certain benefits may have waiting periods, so plan coverage needs around anticipated procedures.

Common South African family scenarios

• Young parents: prioritise stronger day-to-day benefits for GP visits and immunisations plus mid-level hospital protection.
• Dual-income households: balanced combined plan with virtual consultations for weekday minor concerns and full hospital protection for major events.

Sources

• Affinity Health - Combined Plan information
• Affinity Health - Day-to-Day benefits overview
• National Department of Health South Africa - Health information