Secure, affordable health cover for children

Finding cheap full medical cover for kids is about balancing everyday care and protection for in-hospital events while keeping monthly costs manageable. Affinity Health offers dedicated junior options for children aged 0-17 with three clear plan types: a Day-to-Day plan for routine care, a Hospital plan for in-hospital events, and a Combined plan that brings both together. These options help families access GPs, acute medicines, and private hospital care when it matters most.

Why choose a junior plan for your child?

• Age-focused benefits: Designed specifically for 0-17 year olds to cover typical paediatric needs.
• Clear cost structure: Predictable monthly contributions and defined excess choices to suit family budgets.
• Simple plan choices: One Day-to-Day, one Hospital and one Combined junior plan makes comparison straightforward.

What each junior option covers

• Day-to-Day: GP consultations, basic dentistry and acute medicines for routine child healthcare.
• Hospital: In-hospital admissions, theatre and ward fees, approved in-hospital procedures and consultations during admission.
• Combined: Day-to-day care plus hospital protection in one budget-friendly plan for full-spectrum child cover.

Choosing between Day-to-Day, Hospital or Combined junior plans

• Pick Day-to-Day when routine GP access and acute medicines are the priority.
• Pick Hospital when protection from in-hospital costs is the main concern.
• Pick Combined for consolidated cover that reduces the chance of skipping routine care while protecting against major bills.

Read more about the junior plan details on the junior information page: Affinity Health - Junior Cover. For an overview of combined options suitable for families, see the combined plan summary: Affinity Health - Combined Plan.

Plan comparison at a glance

Planning for cost, convenience and quality

Affordable junior cover is not just about the headline contribution - it is also about access to appropriate providers, manageable excess choices and straightforward claims processes. Affinity Health focuses on making private primary and hospital care accessible and budget-friendly for South African families, young professionals and retirees who care for grandchildren.

How to estimate the right level for your child

• List expected GP visits, scheduled vaccinations and potential dental or optometry needs.
• Consider activities with higher injury risk (sports or active play) when selecting hospital limits.
• Use a combined plan for predictable monthly budgeting and fewer gaps between out-of-hospital and in-hospital care.

Accessing care and providers

Affinity Health members can consult a wide range of private healthcare practitioners. Find nearby providers to confirm access and network availability: Find a Provider. For guided hospital options when an admission is needed, see the hospital provider list: Find a Hospital Provider.

Practical steps to enrol your child

• Gather identity and dependent details including birth certificates and ID numbers.
• Decide on Day-to-Day, Hospital or Combined junior cover based on routine needs and risk assessment.
• Request a quote and review waiting periods and excess options before confirming membership.

Next steps for families

Compare junior plan details, review benefit limits and confirm provider access to pick the most appropriate option for your child. Use the junior information page and combined plan overview to compare inclusions and exclusions before you decide. For specific questions about cover for children aged 0-17, consult our junior page: Junior Cover details and the day-to-day summary: Day-to-Day Cover.

Sources

• Affinity Health - Junior Cover
• National Department of Health South Africa - Department overview
• Statistics South Africa - Health indicators