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Family health insurance

Get a better understanding of the specific health insurance needs for new parents, single parents and established families.

What you need to know

  • A family health insurance policy means your children are covered under the same policy as you.
  • Your life stage will depend on what family health insurance policy you need.
  • You can often keep your child on your policy for free until they are 25 – or even longer.

Compare family health insurance

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.

1 - 10 of 334
Name Product Treatments Price Apply
ahm health insurance logo
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • +16 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +2 other treatments covered
Get up to 8 weeks free. For new joins by Sep 2 who maintain eligible combined hospital & extras. T&Cs apply. Learn more.
$208.61
per month
Go to Site
All treatments
Bupa HI Pty Ltd logo
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • +20 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +2 other treatments covered
Join Bupa and get up to 10 weeks free on eligible products + 2&6 month waiting periods waived on extras. Domestic policies only. Terms and conditions apply.
$213.81
per month
Go to Site
All treatments
ahm health insurance logo
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • +16 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +2 other treatments covered
Get up to 8 weeks free. For new joins by Sep 2 who maintain eligible combined hospital & extras. T&Cs apply. Learn more.
$221.12
per month
Go to Site
All treatments
HCF logo
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • +22 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +4 other treatments covered
Get loyalty rewards and discounts across Australian stores.
$225.05
per month
Go to Site
All treatments
Bupa HI Pty Ltd logo
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • +20 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +2 other treatments covered
Join Bupa and get up to 10 weeks free on eligible products + 2&6 month waiting periods waived on extras. Domestic policies only. Terms and conditions apply.
$230.40
per month
Go to Site
All treatments
Medibank Private Limited logo
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • +16 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +4 other treatments covered
Want 6 weeks free and $500 in gift cards (couples/families) or $250 in gift cards (singles/single parents) when you join & maintain eligible Bronze Hospital+Extras or above? New members only. T&Cs apply. Excludes Basic covers. Ends 31 July 2024.
$232.43
per month
Go to Site
All treatments
HCF logo
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • +22 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +4 other treatments covered
Get loyalty rewards and discounts across Australian stores.
$233.68
per month
Go to Site
All treatments
Medibank Private Limited logo
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • +22 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +4 other treatments covered
Want 6 weeks free and $500 in gift cards (couples/families) or $250 in gift cards (singles/single parents) when you join & maintain eligible Bronze Hospital+Extras or above? New members only. T&Cs apply. Excludes Basic covers. Ends 31 July 2024.
$234.39
per month
Go to Site
All treatments
Bupa HI Pty Ltd logo
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • +20 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +3 other treatments covered
Join Bupa and get up to 10 weeks free on eligible products + 2&6 month waiting periods waived on extras. Domestic policies only. Terms and conditions apply.
$234.66
per month
Go to Site
All treatments
Medibank Private Limited logo
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • +16 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +4 other treatments covered
Want 6 weeks free and $500 in gift cards (couples/families) or $250 in gift cards (singles/single parents) when you join & maintain eligible Bronze Hospital+Extras or above? New members only. T&Cs apply. Excludes Basic covers. Ends 31 July 2024.
$244.65
per month
Go to Site
All treatments
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Why compare health insurance with Finder?

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  • With 1 click, you can open your results to nearly every fund in Australia.

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How does family health insurance work?

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:

Hospital

Family hospital cover

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.

Extras

Family extras cover

This pays for the out-of-hospital services that Medicare doesn't generally cover. For example, dental, physio, some prescription medications and optometry.

Family combined cover

This is when you combine hospital and extras cover into a single policy. Lots of insurers offer combined packages tailored towards families.

Finder survey: What are the main reasons Australians of different ages have hospital insurance?

Response
To get better health care for my family18.35%
Source: Finder survey by Pure Profile of 1006 Australians, December 2023

What type of family health insurance do I need?

The type of family health insurance cover you need will depend on your life stage:

Starting a family

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.

Completed family

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.

Older children

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.

How long can children remain on a family policy?

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:

  • Student dependant. A single person aged 21 to 25 who is studying full-time can be covered by a family policy.
  • Adult dependant. A single person aged 21 to 25 (in some cases 31) who is not studying full-time but is dependent on their parents in some way e.g. they live with them.

Health insurance tips for families

  • Review your cover. As your children grow up and your circumstances change, so do your health insurance needs. Reviewing your policy each year ensures that you're being covered for the things that matter most to your family.
  • Avoid combined limits. When considering an extras policy, try and find one that offers individual benefit limits for each service rather than overall combined limits. Your family may exceed individual limits if they aren't high enough.
  • Don't be afraid to switch. If you find a better policy offered by a different health fund then consider changing. Your benefits and any served waiting periods must be honoured by your new fund.
  • Split your cover. If one health fund has your ideal hospital policy, and another has the best* extras policy, there is no law that says you can't have a separate policy for each.
  • Get full ambulance cover. Look for policies that offer full ambulance cover, which pays benefits towards ambulance fees for non-life threatening journeys as well as emergency transport.

Rebates, tax and health insurance for families

  • Private health insurance rebate. This was introduced by the Australian government to help more people access health insurance. The rebate amount varies depending on your combined family income and your age. It can be claimed either as a premium reduction through your fund or as part of your tax return.
  • Medicare levy surcharge (MLS). The Australian government introduced the MLS to encourage more people to take out health insurance and reduce the strain on the public health system. If you don't have cover you pay an additional surcharge on top of the standard 2% Medicare Levy once your combined family income reaches $194,000 and above (based on new income thresholds which will apply from 1 July 2024).
MLS rateCouples' income
0%$0 - $194,000
1.0%$194,001 - $226,000
1.25%$226,001 - $302,000
1.5%$302,001+

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FAQs about family health insurance

Gary Ross Hunter's headshot
Editor, Insurance & Innovations

Gary Ross Hunter was an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full bio

Gary Ross's expertise
Gary Ross has written 730 Finder guides across topics including:
  • Health, home, life, car, pet and travel insurance
  • Managing the cost of living

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