Why a combination-health-plan-for-families makes practical sense

A combination-health-plan-for-families pairs routine out-of-hospital benefits with in-hospital protection so households can manage everyday healthcare while avoiding large, unexpected bills. For parents, young professionals, and retirees, the combined approach streamlines cover into one plan option that balances access to Healthcare Practitioners for routine care and solid in-hospital protection for accidents or serious illness.

What typical family combination plans include

• Day-to-day benefits: GP consultations, basic dentistry, optometry network access and acute medicines through approved channels.
• Hospital benefits: In-hospital admissions, theatre and ward fees, inpatient procedures and fees for approved consulting clinicians during a hospital stay.
• Support services: Remote consultations with a Healthcare Practitioner and Emergency Medical Response coordination when needed.

Which Affinity Health plan groups suit families?

Affinity Health offers plan groups that match different family life stages. Families with children can consider the Junior options for dependants aged 0-17 alongside adult plan choices; adults aged 18-54 typically choose from the Standard Range or Innovator plans, while households with older adults can explore Senior options for those 55 and over. Employers can access Group Cover for staff benefits through the Group Cover range.

Learn more about combined-plan features and specific benefit lists on our combined plan page: Affinity Health - Combined Plan. If you want to focus on routine care first, view the day-to-day details here: Affinity Health - Day-to-Day Plan.

How cover is structured for family needs

A combination-health-plan-for-families reduces the administrative burden of managing separate plans and helps ensure routine care is not neglected because of cost concerns. Pairing day-to-day benefits with hospital protection gives families predictability for monthly budgeting and ready access to private care when needed.

Choosing the right combination-health-plan-for-families

Select a level of day-to-day and hospital benefits based on family size, ages and expected healthcare needs. Young families often prioritise stronger day-to-day benefits for child healthcare and immunisations, while older adults may prioritise higher hospital limits. Consider excess options and annual benefit limits to balance monthly affordability with protection for major events.

Step-by-step selection guide

• Inventory expected routine use: estimate GP visits, dental check-ups and eyewear needs per year.
• Identify risk exposures: planned procedures, chronic therapies or high-activity hobbies that increase injury risk.
• Compare plan options: review benefit lists, waiting periods and in-hospital definitions to match expected out-of-pocket exposure.

How Affinity Health supports families

Affinity Health offers a range of plan groups so families can choose the most appropriate combination-health-plan-for-families based on ages and needs. Parents can include children under the Junior options while selecting adult cover from the Standard Range, Innovator or Senior options depending on ages. Employers looking to provide staff benefits can explore Group Cover for collective solutions.

Find private hospitals and approved in-hospital providers on our provider list: Find a Hospital Provider. For details about Junior options for child dependants, see: Affinity Health - Junior Cover.

Next steps and calls to action

• Compare combined plan options and benefit lists on the combined plan page to see which best matches your household.
• Get a quote online to see monthly premiums that fit your budget and family composition.
• Join now or compare plans side-by-side to secure immediate protection for routine care and hospital events.

Sources

• Affinity Health - Combined Plan information
• Affinity Health - Day-to-Day Plan details
• National Department of Health South Africa - Health information
• Statistics South Africa - Health indicators