Practical, budget-friendly cover: day-to-day and in-hospital protection for families

Finding a cheap day-to-day and hospital plan for family needs doesn’t mean sacrificing essential protection. Affinity Health offers combined plan options designed for individuals, young professionals, families with children and retirees who want predictable monthly payments and access to private healthcare when it matters most. Combined plans bring routine care and in-hospital events together so you can manage everyday visits and larger medical events under one policy.

What a combined family plan typically covers

• Day-to-day benefits: GP consultations, basic dental and optometry network access, and acute medicines subject to benefit limits.
• Hospital protection: In-hospital admissions, theatre and ward fees, approved clinical practitioner fees and in-hospital scans or procedures.
• Support services: Remote consultations for urgent advice and Emergency Medical Response coordination when required.

How Affinity Health helps keep family plans affordable

• Plan options that balance day-to-day benefits with in-hospital limits to suit monthly budgets.
• Access to a broad provider network so you can use preferred private hospitals and clinicians - find providers using our directory.
• Clear benefit summaries and straightforward claims processes aimed at reducing administrative costs and delays.

Compare core benefits at a glance

Learn more about our day-to-day benefits and what they include by visiting our Day-to-Day plan page: Affinity Health - Day-to-Day Cover. For specific in-hospital inclusions, see our hospital plan overview: Affinity Health - Hospital Plan.

If you already know you want both types of protection, our combined plan page explains how benefits integrate and how family members are covered under one policy: Affinity Health - Combined Plan.

Choosing the right cheap day-to-day and hospital plan for family circumstances

Selecting the correct combined plan depends on family size, ages and typical healthcare use. Young families often prioritise strong day-to-day benefits for GP visits and child healthcare, while households with older adults may prioritise higher in-hospital limits. Follow these steps to choose a plan that balances protection and cost.

Step-by-step selection guide

• Inventory your routine needs: Estimate yearly GP visits, dental check-ups and eyewear replacements for each family member.
• Consider risk exposure: Factor in sports, occupational hazards or planned procedures that could lead to hospital admission.
• Match plan options: Compare combined plan options that manage expected out-of-pocket exposure while keeping premiums budget-friendly.

How to compare plans quickly

• Check annual benefit limits and visit caps for day-to-day services.
• Confirm in-hospital inclusions such as theatre, ward and approved practitioner fees.
• Review waiting periods and any specified exclusions in the policy documents.

Use our Find a Provider tool to see which private hospitals and clinicians are accessible on your chosen plan: Find a Hospital Provider. For routine out-of-hospital practitioners, use the provider directory: Find a Provider.

Simple checklist before you join

• Confirm which family members will be covered and their ages.
• Ask about waiting periods for specific procedures or maternity if relevant.
• Get a personalised quote to compare monthly cost against expected use - a personalised quote gives exact premium details for your household.

Ready to compare plans? Get a personalised quote or join now and choose the combined option that best suits your family budget. For more information on our Innovator or Group options for different needs, explore our range pages: Innovator Range and Group Cover.

Sources

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