Family Health Insurance That Keeps Routine Care and Hospital Costs Manageable

Families need dependable cover that handles everyday healthcare - GP visits, basic dentistry and acute medicines - while protecting against large in-hospital bills from accidents or serious illness. Affinity Health offers budget-friendly plan options that combine day-to-day benefits with in-hospital protection so families can access private care without unpredictable expenses.

How combined plans work for families

• Day-to-day benefits cover routine care like GP consultations, basic dental and optometry within set limits.
• Hospital benefits cover in-patient admissions, theatre and ward fees, approved consulting clinicians and in-hospital procedures.
• Choosing a combined plan removes the need to pay large sums at the point of admission, making household budgeting easier.

Which Affinity plan groups suit families?

For typical families, the Standard Range and the Combined plan options are the most relevant. Children can be covered under the Junior group while older parents may use the Senior group if eligible. Learn how the Combined plan bundles routine and in-hospital benefits on our Combined plan page and review day-to-day inclusions on the day-to-day cover page.

Key family benefits at a glance

• GP consultations and basic dentistry up to benefit limits under day-to-day cover.
• In-hospital admissions, theatre and ward fees and clinician fees when admitted for surgery or serious illness.
• Access to remote consultations for quick clinical advice and non-emergency guidance.
• Plan options for children (Affinity Junior) and older adults (Affinity Senior) to match lifecycle needs.

Comparison - why families choose a combined approach

Affinity Health’s combined approach reduces the chance that routine care is delayed for cost reasons while keeping protection for major medical events. To view plan comparisons and plan details, visit the Combined plan page for families and review options for children on the Junior page.

Choosing the right plan for your household

Selecting the best option depends on family size, ages and expected healthcare use. Young families often prioritise stronger day-to-day benefits for frequent child health visits, while older adults in the household may need higher in-hospital limits. Follow these steps to decide and then compare plan options.

Step-by-step selection guide

• Estimate routine needs: expected GP visits, dental check-ups and eyewear replacements per year.
• Consider risk exposure: any planned procedures or occupational risks that could lead to hospital admission.
• Compare plan options: match likely out-of-pocket exposure to different combined plan options and choose a monthly premium you can sustain.

Provider access and practical support

Affinity Health members have access to a broad network of private hospitals and clinicians. Find participating hospitals and clinical providers using the provider search to check which facilities are included for admissions and routine care.

Use the hospital details page to confirm coverage for a chosen facility and to plan care with confidence: Hospital plan information. To check local providers for routine care, use the provider finder: Find a provider.

Affordability and budgeting tips

• Prioritise the benefits you use most: stronger day-to-day limits or higher hospital benefits based on your household profile.
• Compare the combined plan options side-by-side to estimate yearly out-of-pocket exposure for typical events.
• Remember: plan premiums are defined per plan and apply equally across locations.

Common South African family scenarios (planning guidance)

• Young parents prioritise strong day-to-day limits for frequent child consultations and routine immunisations.
• Dual-income households aim for balanced combined protection to manage both routine care and unexpected admissions.
• Families with older dependants consider higher in-hospital protection within the appropriate plan group.

Sources

• Affinity Health - Combined plan details
• Affinity Health - Day-to-day cover
• National Department of Health - South Africa
• Statistics South Africa - Health indicators