Meeting the Healthcare Needs of Every Family Member

A well-rounded health plan for your family must protect against both expected medical expenses-such as routine GP visits, basic dental care, and prescriptions-and major, unexpected medical events requiring hospitalisation. In South Africa, where private healthcare costs are on the rise, selecting the right combination of day-to-day and in-hospital cover is essential to balance your monthly budget while ensuring reliable access to quality care.

A Budget-Friendly Approach Covering All Life Stages

• Parents and adults (18-54): Access general practitioners, acute medications, and day-to-day healthcare needs, with protection against surgery or hospitalisation for serious illness or injury.
• Children (0-17): Paediatric consultations, prescribed medicines, optometry, and accident protection with paediatric hospital care.
• Seniors (55+): Senior-specific plans cover both everyday medical management and potential hospital stays, with rates and benefits structured for retirees’ needs.

Balancing Routine Care and Serious Events: What’s Included?

Plans with both day-to-day and hospital benefits keep families prepared for expected and unexpected medical costs. Visit the Combined Plan page for a complete list of included services.

Why Comprehensive Family Health Insurance is Essential

• Private, rapid access to general practitioners, dentists, and healthcare practitioners nationwide
• Coverage for children’s accidents, hospital admissions for surgery or severe illness, and maternity care
• No public-sector queues or unpredictable out-of-pocket bills in emergencies

To review day-to-day benefits, visit the Day-to-Day Cover page.

How to Choose and Use Your Family Health Cover

Selecting the right package depends on your family structure and priorities. Here’s a practical approach South Africans can use:

1. Count family members by age (children, adults, seniors) to match plan types-see the Affinity Junior and Affinity Senior cover for options.
2. Assess routine medical needs-school check-ups, dental visits, optometry, and prescriptions.
3. Consider risk for hospital events-such as chronic illness management, planned procedures, or emergency accidents.
4. Compare available plan stacks: Some families benefit from a combined plan, while others might select a day-to-day plan for younger members and an innovator plan for adults.

Practical Benefits for South African Households

• Immediate access to a national private provider network through Affinity Health’s provider search tools
• Core cover for maternity, consultations, acute and chronic illness support, injury, and mental health telehealth consultations
• Emergency medical response and ambulance support included in hospital events benefits

Plan Range Snapshots: Pricing and Options

*Premiums shown are per person/month. See the full premium table for detailed breakdowns and family packages.

Provider Network and Accessibility

With an extensive list of private hospitals and providers nationwide, families can find quality care quickly. Search for a private hospital using the hospital provider locator.

Sources

• Affinity Health - Combined Health Plan Details
• Affinity Health - Premiums and Plan Comparison Table
• World Health Organization - Health Coverage Report
• Statistics South Africa - Household Healthcare Trends
• Affinity Health - Provider Search Tool