Here are a range of family health insurance policies that include both hospital and extras, starting from the Bronze hospital tier. To compare all family policies on the market, use this health insurance comparison tool.
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A family health insurance policy means your children are covered for the same treatments and services as you are. You generally have 3 types of family health insurance to choose from:
This helps pay for in-hospital treatments at a private or public hospital, including theatre fees for surgery and accommodation. You usually get to choose your own doctor and the hospital you receive treatment at. There are 4 levels of cover to choose from: gold, silver, bronze and basic.
This pays for the out-of-hospital services that Medicare doesn't generally cover. For example, dental, physio, some prescription medications and optometry.
This is when you combine hospital and extras cover into a single policy. Lots of insurers offer combined packages tailored towards families.
The type of family health insurance cover you need will depend on your life stage:
If you plan to start a family, or want more kids, all gold level hospital policies are required to cover pregnancy. You'll need it for at least 12 months before you can claim for childbirth or fertility treatments such as IVF.
If you don't plan to have more children, then you can likely drop pregnancy cover and save some money with silver or bronze cover. It's also probably worth getting extras insurance that includes dental cover – maybe even orthodontics treatment as they get a little older.
Many family health insurance policies will cover your child as a dependent if they're under 25 and a student. If your current fund doesn't cover your child for free after they turn 21, but they're still dependent on you in some way, it could be worth switching to one that does.
Your children can be covered under your family health insurance policy until they're no longer considered a dependant. There are 2 main classifications that are typically used:
Teachers Health and Health Care Insurance (HCI) have increased the age of a dependant to 31. To be eligible, you need to be a student or reliant on your parents for maintenance and support in some way.
| MLS rate | Couples' income |
|---|---|
| 0% | $0 - $186k |
| 1.0% | $93k - $108k |
| 1.25% | $108k - $144k |
| 1.5% | $144k+ |
This guide looks at how health insurance can help to alleviate some of the costs of raising kids.
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