Family-focused health insurance that keeps costs low without losing core protection

Families looking for cheap full medical cover for families need clear choices: routine care for children and adults, plus protection against large in-hospital bills. Affinity Health offers combined plan options designed for individuals, couples and families that prioritise essential benefits while staying budget-friendly. Our plans are aimed at young professionals, growing families, and retirees who want reliable Health Insurance without unaffordable monthly premiums.

What a budget-friendly combined plan includes

• Day-to-day benefits: GP consultations, basic dentistry and optical access, and cover for acute medicines.
• Hospital benefits: In-hospital admissions, theatre and ward fees, approved clinician fees and in-hospital procedures.
• Support services: Remote consultations with a Healthcare Practitioner and coordinated Emergency Medical Response where required.

How Affinity Health helps families reduce out-of-pocket risk

• Plan options let you select benefit levels that suit your monthly budget.
• Combine day-to-day and hospital cover in one plan to simplify budgeting and reduce surprise costs.
• Use our provider search to find approved hospital and clinician locations near you for faster access.

Compare plan types and features to see which best matches your household needs. If you primarily want routine GP access and child healthcare, prioritise stronger day-to-day benefits; if you want maximum protection from large admissions, prioritise higher hospital limits. Learn about our combined plan options and view benefit details on the combined plan page: Combined plan details.

Budget planning and payment options

When comparing cheap full medical cover for families, consider expected monthly premium, chosen excess and the number of dependants covered. Affinity Health’s plan options allow households to prioritise higher daily benefits or increased hospital limits depending on need. To estimate which plan fits your household, get a quote or compare plan features on our Day-to-Day page and see hospital inclusions on the Hospital page: Day-to-day benefits | Hospital plan overview.

Ready to compare plans? Use our online tools to get a personalised quote and see how combined cover can fit your family budget. Visit the homepage to get started and join now: Get a quote on the homepage.

Choosing the right combined plan for your household

Selecting cheap full medical cover for families requires a practical review of needs: number of dependants, ages, anticipated GP visits, and any planned procedures. Follow these steps to choose confidently.

Step-by-step selection guide

• Inventory routine needs: Count expected GP visits, dental checks and optical requirements for the year.
• Estimate hospital risk: Consider sports, occupational exposures or any planned surgical procedures.
• Compare plan options: Match likely out-of-pocket exposure to different benefit mixes and excess levels.
• Check provider access: Verify local hospital and clinician availability using our provider search.

Practical considerations for South African families

• Geographic access: Confirm nearby approved hospital providers and clinicians to reduce travel and waiting time.
• Children under 18 receive specialised junior options - review the Junior plan page for child-focused benefits.
• Older adults may prefer higher hospital limits; view Senior plan information for age-specific guidance.

Use our provider finder to locate network hospitals and clinicians close to home: Find a hospital provider. If you need general clinician locations for routine care, use our provider tool here: Find a Healthcare Practitioner.

Common family scenarios and plan matches

• Young family with frequent child GP visits: stronger day-to-day allocation within a combined plan.
• Dual-income household wanting low unexpected cost risk: balanced combined plan with moderate day-to-day and solid hospital limits.
• Retiring couple: combined options with higher hospital protection and selective day-to-day benefits.

Compare plans side-by-side and get a quote to see exact premiums for your family composition. Visit the combined plan page to compare benefits and join now: Compare combined plans.

Sources

• National Department of Health - South Africa
• Statistics South Africa - Health indicators and household data
• Affinity Health - Combined plan information