Family Health Insurance Australia

Family Health Insurance – What Are Your Cover Needs?

Find family health cover tailored to families and save.

Raising a family can be an expensive business and with health insurance costs continually on the rise, it's understandable that some people baulk at the idea of spending money on something that has no immediately tangible benefit.

But having dependants increases your exposure to risk, which is why finding the right health fund for your family is such an Important task.

This guide looks at how dependants are treated by funds, provides tips for various family types from single parents to expanding familes and what type of policy you might need.

Compare your options and get a quote online or from an adviser

Details Features
High 65 / 75 / 85% - $0/$250/$500 Excess
High 65 / 75 / 85% - $0/$250/$500 Excess
Combines High Hospital Cover with its highest level of extras cover.
  • Cover starting from $44.74 weekly
  • 12 month waiting period for pregnancy
  • 65% back on extras
  • Choice of $0, $250 and $500 excess
Enquire Now More info
Premier Package
Premier Package
Top tier combined hospital and extras policy that covers you for an extensive range of hospital and general treatment services.
  • All the benefits of HCI's Premier Hospital policy
  • All the benefits of HCI's Premier Extras policy
  • Cover for pregnancy and IVF treatment
  • Cover for general and major dental
Get Quote More info
Deluxe flexi
Deluxe flexi
Deluxe flexi provides cover for a range of treatments including hip replacement, spinal fusion, dialysis and major eye surgery.
  • No excess for kids
  • All joint replacements
  • Major eye surgery
  • Rehabilitation
Enquire Now More info
GoldStar
GoldStar
Premium hospital cover with complete cover for hospital expenses. Save 4% when you pay for 12 months of your cover upfront.
  • All theatre fees covered
  • Unlimited maternity cover
  • Choose no excess or $200, $400, $500 per admission
Get Quote More info
Smart Combination
Smart Combination
Smart combination provides a high level of cover for both hospital and extras.
  • Claim up to $2725 back on extras
  • Hip and knee replacements
  • General and major dental
  • Physio
Enquire Now More info
Prestige
Prestige
Highest level of combined cover offered by CBHS. Includes the same benefits as Comprehensive Hospital and Top Extras plus more. Restricted fund: Only current or former staff (and their families) of Commonwealth Bank Group and their subsidiaries which include Aussie, Bankwest, Colonial First State and more can join.
  • No excess or co-payments on hospital cover
  • Non-student dependent under 25 can be kept on policy
  • Access to Chronic Disease Management Programs
  • Widest range of extras including orthodontics
Enquire Now More info
Bronze Hospital (no pregnancy) and Bronze Extras Set Benefits
Bronze Hospital (no pregnancy) and Bronze Extras Set Benefits
High level of hospital cover and extras cover for a range of popular services including knee and should reconstructions.
  • Most comprehensive hospital options
  • Cover for general and major dental
  • Shared or single room in a private hospital
  • Intensive and coronary care
Enquire Now More info
Premium Hospital and Silver Extras Cover
Premium Hospital and Silver Extras Cover
Comprehensive hospital cover including pregnancy cover. Also included affordable mid-level extras cover for dental, optical and therapies.
  • Cover from $39.50 per week
  • Pregnancy and birth-related services cover
  • Heart surgery cover
  • 100% cash back on two dental check per year
Enquire Now More info
Top Hospital with Top Extras
Top Hospital with Top Extras
Get comprehensive hospital and extras cover and tailor your policy to your needs.
  • Pregnancy and birth services cover
  • Back surgery cover
  • $1000 general dental annual limit
  • $600 physiotherapy annual limit
Enquire Now More info
Young Couples Combined Cover
Young Couples Combined Cover
Mid-level hospital and basic level Extras package with an excess for young, healthy couples that are not quite ready to start a family.
  • Emergency ambulance cover
  • Cancer-related surgery cover
  • 70% back on extras
  • $300 dental annual limit per person
Enquire Now More info

Are your children dependants on your health insurance?

There are three main stages in the health insurance status of your dependants once they reach adulthood:

  • Student dependant. If they are single, between 21 and 25 and studying full time, they are covered by your family health insurance.
  • Adult dependant. If they are single, between 21 and 25 and not studying full time, they may still be able to be covered by your family health insurance for an additional fee.
  • Independent adult. If they are over 25, they are no longer covered by your family health insurance and will need to take out their own cover. This can often be done without serving an additional waiting period if they take out the same or less cover than yours with the same insurer.

How do finder.com.au partners define dependants?

FundFamily health insurance conditions for dependantsMore info about fund
Peoplecare health insurancePeoplecare defines a dependant as a child who is under 21 years of age (or 25 if they’re studying full time) who isn’t married or in a de facto relationship.
ahmA child dependant is a child of the member or their partner who is under the age of 21 and who is not married or living in a de facto relationship.
A student dependant is child of the member or their partner, aged between 21 and 25, not married or living in a de facto relationship, and who is undertaking full-time education. An adult dependant is child of the member or their partner, aged between 21 and 25, not married or living in a de facto relationship, and not a student dependant.
Australian UnityAustralian Unity defines a dependant as a child aged up to 23 years old who is unmarried. If they remain unmarried and not in a de facto relationship, and if they study full-time at an Australian school, college or university, dependants can be covered up to the age of 25.
GMHBAWith GMHBA, child dependants are automatically covered on a family or single parent membership until they reach 21 years of age. Further cover is available after this age for student dependants.
HCFChild dependants are less than 22 years of age, are not married or in a de facto relationship, are related to the policyholder and are reliant on the policyholder for maintenance and support. Student dependants meet all the above criteria except they are aged between 22 and 24 years (inclusive) and are full-time students at a school, college or university. Adult dependants are aged between 22 and 24 years but are not student dependants.
nib The term ‘dependant children’ includes all dependant children up to the age of 21. Children aged from 21 to 25 years of age and engaged in full-time study can be covered as student dependants.
Transport Health
Unmarried children up to the age of 21 can be covered as dependant children, while unmarried children aged from 21 to 25 and are full-time students in an approved apprenticeship / study course can also be covered.

You can see the full list of Australian health funds and how they define dependants at the end of this article.

Do you have young children on your health insurance?

If you have a young family with kids, chances are you won’t have a lot of extra money and may already have a large mortgage to pay. So you may be tempted to think that private health insurance is something you just can’t afford at the moment.

The reality is, you really can’t afford not to have it. Young children are still growing and are more prone to illnesses and injuries than adults at this stage in life, so having a safety net in place in case something unexpected happens makes really good sense.

Family health insurance for parents of young children – Hospital cover

You obviously want to protect your family's health and while comprehensive cover may be beyond your means at this stage, you may opt for mid-range hospital cover to ensure they get good care and don’t have to languish on a waiting list. Ambulance cover would also be a good idea, as emergency ambulance is not covered by Medicare.

Family health insurance for parents of young children – Extras cover

Extras cover is a must for young families. Dental in particular is one of the most popular extras and if your children develop signs of orthodontic problems, it could be a financial lifesaver. The kind of family you are will determine the kind of extras you opt for. If you are a health-conscious family that plays physical sports, extras such as physio may be of greater benefit. Or if your family has a genetic predisposition for vision problems, optical may be a worthwhile inclusion.

Important considerations for families with young children

As well as the security hospital cover provides and the financial assistance provided by extras cover, there are three important reasons why young families should take out private health insurance:

  • Government rebate. The government provides a financial incentive for taking out private health in the form of a rebate, the size of which is dependent on your family income.
  • Medicare levy surcharge. If your family income is more than $180,000 pa, you will pay between 1% and 1.5% more tax than everyone else if you don’t have private hospital cover.
  • Lifetime Health Cover loading. If you and your partner are approaching 31 years of age, it is in your interest to take out private health cover now to avoid having to pay 2% more every year after that in which you don’t have cover.

The great thing about modern health insurance is that you have plenty of choice and can tailor your hospital and extras cover to suit your priorities. The trick is to shop around and find the cover that suits your growing family’s needs.

Health insurance for expanding families

If you’re a couple starting a family, if you’ve got another kid on the way or if you’re forming a blended family through marriage, your health insurance needs are constantly changing. Reviewing your cover regularly is essential to ensure that you have the right protection in place.

Health insurance for expanding families – Hospital cover

Your hospital cover needs will vary as your family expands. For example, while pregnancy cover might be essential now, in a couple of years’ time it may be an unnecessary expense. At the same time, you’ll want to make sure you have adequate cover for your kids if they’re ever hospitalised for any reason.

Health insurance for expanding families – Extras cover

The right extras cover for you depends on your circumstances. For example, if you’ve got young kids you’ll definitely be able to benefit from dental cover, while if you’re taking on a couple of older stepkids you may be able to benefit from cover for physio, chiro or other therapies. Once again, make sure to review your cover as often as possible.

Important considerations for expanding families

  • Covered for stepchildren. Family membership of a private health fund allows you to cover your children under the age of 21, including your stepchildren, adopted children and permanent foster children.
  • Medicare Levy Surcharge. This Government initiative imposes a financial penalty on high income-earners who don’t have any private health insurance cover in place. If you’re getting married and you and your new spouse have a combined annual income of $180,001 or more, if you don’t have an appropriate level of private hospital cover in place you will pay extra tax.
  • Switching from a couples policy. If you’re starting a family, you’ll need to switch from couples cover to family cover to ensure that your children get adequate health cover.

Health insurance for single parents

Being a single parent is a tough and challenging gig. Not only do your kids rely on you for their health care, but with one income to rely on you need to find private health insurance that offers the best value for money. It’s important to compare a range of health insurance policies for single-parent families to find the one that offers the right policy for you.

Health insurance for single parents – Hospital cover

Hospital cover is an essential consideration for single-parent families. Having this type of policy in place will ensure that your kids can get the treatment they need if they’re involved in an accident or if they need ambulance transportation. It can also guarantee that you can avoid public hospital waiting lists and get the treatment you need when you need it  - allowing you to continue to care for your children. However, depending on your circumstances, you may be able to save on premiums by choosing policies that exclude services you don’t need, for example pregnancy cover.

Health insurance for single parents – Extras cover

The right level of extras cover for you will change as your children get older. For example, while dental and orthodontic cover may be essential when your kids are younger, they may benefit more from increased cover for glasses or contact lenses as they get older. Compare your options before choosing cover and make sure to review your policy regularly to check whether it meets your needs.

Important considerations for single parents with health insurance:

  • Specialist policies. Some insurers offer health insurance policies specifically designed for single-parent families. Compare these with other product options to see if they’re right for you.
  • Lifetime Health Cover (LHC). Under the LHC initiative, you’ll be charged extra for hospital cover if you only take it out after July 1 following your 31st birthday. Take out cover before this time to avoid any premium loading.
  • Getting divorced. If you’re going through a divorce, make sure that you keep your health insurance cover in place. If you allow your cover to lapse, you may need to re-serve waiting periods when you re-apply for cover.

Do you have older children on your health insurance?

As the years pass, circumstances change. Your kids grow up but are still living under your roof and you will need to review your health insurance on a regular basis to ensure you are still getting good value for money.

Family health insurance for parents of older children – Hospital cover

Until they leave home and take out their own health insurance, it would be wise to continue maintaining hospital cover for your kids. Things you may be able to cut back on to make it more affordable could include pregnancy cover, if you’re not planning to have any more kids.

Family health insurance for parents of older children – Extras cover

The kind of extras your children need may change as they become young adults. They will possibly have less need for orthodontia as those braces finally come off and more need for physio, chiro and alternative therapies. If they need vision correction, those plain old frames won’t cut it anymore and contact lenses will become the accessory choice, possibly increasing the need for upgraded optical cover.

Important considerations for families with older children

  • Government rebate. You will still receive financial assistance with your private health cover in the form of the government rebate. The threshold rises by $1,500 per child.
  • Medicare levy surcharge. You will not be penalised if your adult children remain at home, as their income is not included in your overall family income.
  • Lifetime Health Cover loading. As your children prepare to leave the nest, this is the time to emphasise the importance of taking out private health before they turn 31 to avoid the 2% p.a. loading.

Does private health insurance cover pregnancy?

Yes, it does. The good news is that private health insurance can provide cover for pregnancy, childbirth, obstetrics and other related costs. However, don’t automatically assume that your hospital cover includes pregnancy - many policies for younger health fund members exclude pregnancy from cover in order to keep costs down. Other policies may only offer restricted cover for pregnancy, for example only as a private patient in a public hospital, so it’s essential that you check to see what your policy covers before you begin planning to start a family.

There are several other tips to remember when it comes to private health insurance and pregnancy:

  • Don’t wait until you’re pregnant. Many health insurers require you to serve a waiting period of 12 months before you can access pregnancy cover, so if you’re already pregnant it’ll be too late to get the cover you need.
  • What Medicare covers. Medicare offers comprehensive cover for many of the costs associated with pregnancy in a public hospital. However, private health insurance can be beneficial if there are unexpected expenses associated with your pregnancy, if you want a private room in a private hospital, and if you want to choose your own hospital, obstetrician and specialists.
  • Pregnancy and birth related services. If your private health insurance covers pregnancy and birth related services, be aware that this refers to hospital admissions for childbirth. It does not costs incurred outside of hospital, such as GP visits and some other scans and tests.
  • Take out a family policy. To make sure your new baby receives the same health insurance cover as you, make sure to add your little bundle of joy to your family policy.

Health insurance tips for families

The following tips are worth keeping in mind to ensure you have the best family health insurance* policy:

  • Review your cover at least once a year, as your children grow up and your circumstances change, to make sure you are getting good value for money and being covered for the things that matter most to your family.
  • Look for a policy that offers individual benefit limits rather than overall capped limits on extras, as your family may exceed those limits if they aren’t high enough.
  • Don’t be afraid to switch if you find a better policy, as your benefits and current status must be honoured by your new insurer.
  • If two different insurers have the best hospital and extras cover, there is no law that says you can’t have a separate policy with each.
  • Avoid policies where hospital cover includes both an excess and a co-payment, or you could end up paying twice; once upon admission and then every day you are in hospital.
  • Look for policies that offer full ambulance cover rather than just emergency ambulance cover, which does not cover non-life threatening journeys.

Medicare levy surcharge for families

The Medicare Levy Surcharge (MLS) was introduced by the Australian Government as part of an effort to reduce the strain on Australia’s public healthcare system by encouraging more people to invest in private health cover. If you earn above a certain income level and you don’t have any private health insurance cover, you’ll need to pay the MLS at tax time.

Australian taxpayers already pay a Medicare Levy of 2%. But if your family income is above a certain threshold, you’ll need to pay the MLS amount detailed in the table below.

Medicare Levy Surcharge (MLS)

Families≤$180,000$180,001-210,000$210,001-280,000≥$280,001
All ages
0.0%
1.0%
1.25%
1.5%

Families should also be aware that the income thresholds listed in the table above increase by $1,500 for each MLS dependant child after the first.

So if you’re a high income earner, taking out private health insurance will ensure that you pay less tax. To avoid the MLS, families need to have an appropriate level of private patient hospital cover that charges an excess of $1,000 or less.

What is the private health insurance rebate

The government’s private health insurance rebate is designed to assist families and couples with the financial cost of maintaining private health insurance. The rebate is payable in the form of a discounted premium through your insurer or as a rebate in your tax return.

There are three income thresholds known as Tier 1, Tier 2 and Tier 3 and your income in relation to these thresholds determines how much rebate you receive. As mentioned previously, the threshold increases by $1500 with each dependent child. While the threshold is not affected by one dependent child, it increases by $1500 for each child after the first.

Families≤$180,000$180,001-210,000$210,001-280,000≥$280,001
< Age 65
26.791%
17.861%
8.930%
0%
Age 65-69
31.256%
22.326%
13.395%
0%
Age 70+
35.722%
26.791%
17.861%
0%
Find the right cover for your family

To sum up, there is clearly a growing need for families to have private health cover, both to avoid government penalties such as the Medicare Levy Surcharge and Lifetime Health Cover loading and also to take advantage of incentives such as the private health insurance rebate. Luckily, with so much choice in the marketplace these days, protecting your family with private health cover is still quite possible to do on a budget with a little mixing and matching and some online research.

Compare family health insurance policies and save

What is a dependant?

Whether or not your children will be covered past their 18th birthday will vary depending on which health fund you're with. Below is a list of health funds in Australia and how they define the various types of children dependents.

TitleDependant conditions
ACA Health Benefits Fund
  • Child dependant. ACA consider children dependent until the age of 21.
  • Student dependant. If your child is unmarried or in a nondefacto relationship while a full-time students earning less than $20,000 per year, they can remain covered on your family policy until they reach 25 years of age at no extra cost.
  • Adult dependant. If your child is between 21 and 25 years of age, not studying full-time and is unmarried, they are able to be covered for an additIonal 30% loading.
ahm Health Insurance
  • Child dependant. A child dependant is the child of the member who is not married or living in a de facto relationship and is under the age of 21.
  • Student dependant. A student dependant is a child who is unmarried, is over 21 but is under the age of 25, and engaged in full-time education.
  • Adult dependant. An adult dependant is a child who is unmarried, is over 21 but is under 25 years of age, and no undertaking full-time study.
Australian Unity Health Limited
  • Child dependant. A dependant is a child aged up to 23 years old who is unmarried.
  • Student dependant. A student dependant is able to be covered on your family policy until they reach 25 years of age. This is provided they aren't married and are enrolled in an approved course.
Bupa Australia Pty Ltd
  • Child dependant. A dependent child means a person who does not have a partner and is under 21 or is engaged in full time study and under 25 years of age.
  • Adult dependent. A dependant child non-student is someone who is between the ages of 18 and 24 and isn't studying in a full-time capacity.
CBHS Health Fund Limited
  • Child dependant. A child dependant is someone who is unmarried, aged under 18 and is a child, stepchild or Foster Child who lives with the policyholder.
  • Student dependant. A student dependant is at least 18 but under 25 years of age, unmarried and participating in full-time study.
  • Adult dependant. This is a non-student dependant who is a child of the a policyholder, unmarried and over the age of 18 but under the age of 25.
CDH Benefits Fund
  • Child dependant. Child dependants are children or dependents under 21 years.
  • Student dependant. A student dependant is a child under the age of 25 and studying full-time.
CUA Health Limited
  • Child dependant. Family policies provide cover for the policyholder any dependant children/young adults until their 23rd birthday.
  • Student dependant. Full-time student dependants are covered up until they turn 25. Student dependants must be registered each year from when they turn 23 years of age.
Defence Health Limited
  • Dependent child. A child dependant is someone who is unmarried and under the age of 21.
  • Student dependant. A student dependant is someone who is between 21 and 24 years of age and enrolled in full-time study.
  • Adult dependant. This is a dependant child who is unmarried, not  enrolled in full-time study and is between 21 and 24 years of age.

 

Doctors Health Fund
  • Child dependant. Your children can be covered by your family membership up to the age of 21.
  • Student dependant. Your children can continue to be covered by the family's membership until the age of 24 .
Frank Health Insurance
  • Child dependant. Children are covered until they turn 21 years of age.
  • Student dependant. Student Dependants are covered until they turn 25 years of age, provided they are in full time study.
GMF Health
  • Child dependant. A child dependant is someone who is unmarried and under the age of 21.
  • Student dependant. A student dependant is someone who is aged between 18 and 25 years of age, enrolled in full-time studies and don't have a taxable income in excess of what is stipulated by HBF.
  • Adult dependant. Adult dependants are children who are under 25, unmarried, fully dependent on their parents and don't don't have a taxable income in excess of what is stipulated by HBF.
GMHBA Limited
  • Child dependant. You can be covered as a child dependant until the age of 21if you're no longer a student.
  • Student dependant. You can be covered as a student dependant if you're engaged in full-time study and under 25 years of age.
HBF Health Limited
  • Child dependant. Children are covered at no extra cost until the end of the year they turn 18., unless they’re married or in a de facto relationship.
  • Student dependant. You can cover your child as a student dependant if they are unmarried, earning under amount specified by HBF, under 25 years of age and studying full-time.
HCF
  • Child dependant. Your children are automatically covered under your family cover until the day before they turn 22.
  • Student dependant. If your child is enrolled in full-time study they'll be covered at no extra cost until the day before they turn 25 or cease full time study (whichever comes first).
Health Care Insurance Limited
  • Child dependant. You're children are cover until they reach the age of 23 and remain unmarried.
  • Student dependant. Your child can be covered as a student dependant if they're financially dependant on the policyholder, aged between 23 and 25 and are enrolled in full-time study.
  • Adult dependant. Unmarried (includes those not in a defacto relationship) children between 23 years and 25 years of age can be covered on the Family Dependent Plus policy.
Health Insurance Fund of Australia Limited
  • Child dependant. Child dependents are covered up until 21 years of age.
  • Student dependant. Your child can be covered as a student up until 24 years of age if they are engaged in full-time study.
Health Partners
  • Child dependant. A child dependant can be covered until they reach the age of 21.
  • Student dependant. Your children can be covered at no extra cost if they're aged between 21 and 25 years of age and enrolled in full-time study.
health.com.au
  • Child dependant. Children are covered until they reach 21 years of age.
  • Student dependant. A child who is enrolled in full-time study and aged between 21 and 25.
Latrobe Health Services
  • Child dependant. A child can stay on a policyholder's membership until they're 18 years of age, as long as they are unmarried.
  • Student dependant. A student dependant is a child who is unmarried, under 25 years of age and enrolled in full-time study.
Medibank Private Limited
  • Child dependant. A child can be covered at no extra cost until they turn 21.
  • Student dependant. A student dependant is a child who is under 25 years of age, unmarried and enrolled in full-time study.
  • Adult dependant. If your child isn't studying full-time, unmarried and aged between 21 and 24, you are able to cover your children for an additional premium with the families with adult children option.
Mildura Health Fund
  • Child dependant. Your single children remain covered until they reach 21 years of age.
  • Student dependant. Your children remain covered if they are full time students under 25 years of age.
National Health Benefits Australia Pty Ltd (onemedifund)
  • Child dependant. Your children will remain covered if they're under 21 years of age.
  • Student dependant. Your child can be covered until 25 years of age if they're enrolled in full-time study.
Navy Health Ltd
  • Child dependant. A child can be covered if they are unmarried children and under 22 years of age.
  • Student dependant. Your child can be covered if they are engaged in full-time study, aged between 22 and 25 and unmarried.
NIB Health Funds Ltd.
  • Child dependant. Your children can be covered until they reach 21 years of age.
  • Student dependant. You're children are covered if they are unmarried, enrolled in full-time study and aged between 21 and 25 years of age.
  • Adult dependant. If your child is unmarried, aged between 21 and 25 and not enrolled in full-time study, you can cover them for an additional premium with the Extended Family Policy.
Peoplecare Health Insurance
  • Child dependant. A child dependant is someone 21 years of age and unmarried.
  • Student dependant. A student dependant is someone under 25 years of age, unmarried and enrolled in full-time studies.
Phoenix Health Fund Limited
  • Child dependant. Your children are automatically covered under your family cover until the day before they turn 21.
  • Student dependant. Your child can be covered as a student if they're enrolled in full-time study, under 25 or cease full time study (whichever comes first).
Police Health
  • Child dependant. A child dependent is someone who is unmarried and under the age of 21. 
  • Student dependant. A student dependant is a child that is unmarried, enrolled in full-time study and aged between 21 and 25.
  • Adult dependant. Children can be covered until the age of 25 with the Under Platinum Plus policy.

 

Queensland Country Health Fund Ltd
  • Child dependant. A child can remain covered under your family policy up to age 21 years.
  • Student dependant. A child can be covered as a student dependant if they are under 25 years of age, unmarried and enrolled in full-time study.
  • Adult dependant. Dependants aged between 21 and 25 can be covered with the Family Plus policy if they are unmarried.
Railway and Transport Health Fund Limited
  • Child dependant. A child can remain covered under your family policy up to age 21 years.
  • Student dependant. A child can be covered as a student dependant if they are under 25 years of age, unmarried and enrolled in full-time study.
  • Adult dependant. Dependants aged between 21 and 25 can be covered with the Premium Hospital cover.
Reserve Bank Health Society Ltd
  • Child dependant. Dependent children can be covered if they are unmarried and under the age of 21.
  • Student dependant. You child can be covered as a student dependant if they're under 25 years of age and enrolled in full-time study.
St.LukesHealth
  • Child dependant. Children can remain on their parent’s policy if they're under 23 and not married.
  • Student dependant. A student dependant is someone who is enrolled in full-time study, fully dependant on their parents and under 25 years of age.
Teachers Health Fund
  • Child dependant. Children can remain on their parent’s policy if they're under 23 and not married.
  • Student dependant. A student dependant is someone who is enrolled in full-time study, fully dependant on their parents and under 25 years of age.
  • Adult dependant. You are able to get cover for your children aged between 21 and 25 who are not studying full-time with the Extended Family Cover.
Transport Health Pty Ltd
  • Child dependant. A child dependant is someone under the age of 21.
  • Student dependant. A student dependant is aged between 21 and 25 and us enrolled in full-time study.
TUH
  • Child dependant. Your children can get covered if they're unmarried and under 21 years of age.
  • Student dependant. A student dependant is a child under 25 year of age, unmarried, earns less than $50,000 per year and is enrolled in full-time study.
Westfund Limited
  • Child dependant. Children are covered until they reach 18 years of age.
  • Student dependant. A student dependant is someone enrolled in full-time study and under the age of 25.
Latest headlines

Picture: Shutterstock

*The offers compared on this page are chosen from a range of products finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your personal financial circumstances when comparing products.

Back to top

Read more on this topic

Ask a Question

You are about to post a question on finder.com.au

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Disclaimer: At finder.com.au we provide factual information and general advice. Before you make any decision about a product read the Product Disclosure Statement and consider your own circumstances to decide whether it is appropriate for you.
Rates and fees mentioned in comments are correct at the time of publication.
By submitting this question you agree to the finder.com.au privacy policy, receive follow up emails related to finder.com.au and to create a user account where further replies to your questions will be sent.

2 Responses to Family Health Insurance – What Are Your Cover Needs?

  1. Default Gravatar
    gladys | February 3, 2016

    Requesting for the best family health insurance, comparing to Medibank quote

    • Staff
      Richard | February 4, 2016

      Hi Gladys,

      Thanks for your question. If you enter your details into the form at the top of the page, an advisor will be in touch to help you find the right policy for you.

      I hope this was helpful,
      Richard

Ask a question
feedback