Smart family health cover that balances everyday care and major medical events

Choosing affordable family health cover means protecting routine needs-GP visits, basic dentistry and acute medicines-while safeguarding against large in-hospital expenses from accidents, surgery or serious illness. Affinity Health offers plan options designed for individuals, young professionals, families with children and retirees who want clear benefits and manageable monthly premiums.

What a combined family plan typically includes

• Day-to-day benefits: GP consultations, basic dental and optometry access, and acute medication allowances to keep routine care affordable.
• Hospital benefits: In-hospital admissions, theatre and ward fees, approved clinician fees and in-hospital procedures and scans when required.
• Remote consultations: Access to remote consultations with a Healthcare Practitioner for quick clinical advice and follow-up guidance.

How Affinity Health keeps family cover affordable

• Clear plan options so you pay for the benefits you need rather than extras you won’t use.
• Large provider access to help members get faster care in private facilities without excessive costs.
• Practical waiting periods and defined benefit limits to maintain lower monthly premiums for families.

Benefits breakdown - what to expect

Families often prioritise stronger day-to-day benefits for children and a robust hospital benefit for adults. You can compare specific day-to-day options to match typical household needs on our day-to-day plan page here, then pair with an in-hospital option to get balanced protection.

Get a quote to compare plan options and monthly premiums quickly - many families find a combined approach reduces the risk of skipping routine care while preventing large, unexpected bills.

Choose the right level for your household

Selecting the right plan depends on family size, ages and anticipated healthcare use. Young families often prioritise strong day-to-day benefits for frequent child visits and immunisations, while older household members may place greater emphasis on higher in-hospital limits. Use the practical steps below to decide.

Step-by-step selection guide

• List routine needs: Estimate annual GP visits, dental check-ups and eyewear replacements for every household member.
• Assess hospital risk: Consider any planned procedures or occupational risks that could require in-hospital care.
• Compare plan options: Match expected out-of-pocket exposure for different plan options and choose the balance that suits your monthly budget.

Practical South African use cases

• Families with young children prioritise day-to-day benefits for frequent GP and dental visits, plus modest hospital protection for accidents.
• Dual-income households may prefer balanced plans with remote consultations for quick weekday clinical advice and higher hospital limits for surgical events.

How to access providers

Affinity Health members can use a wide network of private hospitals and clinics. Search available facilities and in-hospital providers near you using our provider finder here. For routine consults and non-emergency questions, consider remote consultations with an approved Healthcare Practitioner or visit a day-to-day provider within your plan.

Key considerations before you join

• Check waiting periods for specific benefits and any defined visit limits for day-to-day services.
• Understand excess choices and how they affect monthly premiums and out-of-pocket costs for in-hospital events.
• Confirm which clinicians and facilities are covered for in-hospital procedures to avoid unexpected costs.

Ready to compare and get a quote? Use the combined plan overview to review benefit lists and request a personalised quote online. Many South African families find a combined plan offers the best balance between regular care and protection from major medical costs-get a quote, compare plans and join now to secure your household’s health protection.

Sources

• Affinity Health - Combined Plan overview
• Affinity Health - Day-to-Day plan details
• Affinity Health - Hospital plan guide
• National Department of Health South Africa - Health information