Practical combined protection for children

A combination health plan for kids brings together day-to-day benefits (GP visits, basic dentistry and acute medicines) with in-hospital protection for surgeries and admissions. Affinity Health’s Junior range is built specifically for children aged 0-17 and offers clear, affordable plan options that help families manage both routine care and larger medical events.

What the Junior range includes

• Age range: 0-17 years with plans designed for child healthcare needs.
• Plan types: One Day-to-Day plan, one Hospital plan, and one Combined plan - choose the option that fits your family’s priorities.
• Care access: Routine consultations with a Healthcare Practitioner, basic dental and optical benefits under day-to-day, and in-hospital cover for admissions and theatre fees under hospital benefits.

Why families choose a combined plan for children

Combining day-to-day and hospital benefits reduces the likelihood that parents defer routine appointments for cost reasons while ensuring protection from larger bills if a child needs admission or surgery. This balanced approach is helpful for young professionals, dual-income households and single parents who need predictable monthly spending and reliable access to private care.

Learn more about specific Junior plan details and eligibility on our Junior cover page: Affinity Health - Junior Cover.

Accessing care and providers

Affinity Health members can find nearby network providers for consultations and planned procedures. Use the provider search to locate participating clinics and hospitals when planning care or an admission: Find a provider.

Ready to compare plan options for your child? Get a tailored comparison and see how the Junior Combined option stacks up against standalone day-to-day or hospital plans on the Combined plan overview: Affinity Health - Combined Plan. Get a quote or compare plans to choose the best mix of routine and in-hospital benefits for your family.

Choosing the right level of cover for your child

Selecting the appropriate combination health plan for kids depends on age, anticipated healthcare needs (immunisations, school injuries, dental care) and your monthly budget. Below are practical steps to decide and a simple comparison to help you pick the right option.

Step-by-step selection guide

• List routine needs: Estimate GP visits, dental check-ups and expected prescriptions per year for your child.
• Consider risk events: Think about potential injuries, planned procedures or family medical history that could lead to hospital admissions.
• Compare plan features: Review visit limits, in-hospital benefit wording and any waiting periods in the Junior Combined document.
• Get a quote: Compare monthly premiums and benefit limits to match cover to your household budget.

Feature comparison - Junior Day-to-Day vs Junior Hospital vs Junior Combined

Typical South African family scenarios

• Young family prioritising regular GP visits and immunisations: Day-to-day or Combined plan with stronger routine limits.
• Families who want consolidated administration and one monthly premium: Junior Combined plan reduces paperwork and simplifies claims for both routine and in-hospital events.

To compare specific benefit details and current pricing, request a quote online. See the day-to-day features that pair well with hospital benefits here: Affinity Health - Day-to-Day Cover. If you want to confirm provider availability for planned procedures, use the hospital provider search: Find a hospital provider.

Next steps and actions

• Compare the Junior Day-to-Day, Junior Hospital and Junior Combined benefits on the Combined plan overview and request a quote to see monthly premiums.
• Get a quote now to view exact monthly pricing and benefit limits for your child’s age and requirements.
• Join now when you’re ready to start cover; coverage timing and waiting periods are explained during application.

Sources

• Affinity Health - Junior Cover
• Affinity Health - Combined Plan
• Statistics South Africa - Health statistics
• National Department of Health South Africa