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Can my adult kids still be covered by my private health insurance?

Singles

The time when your kids leave home can often bring about feelings of both excitement and anxiety. You may be excited for them, and at the same time looking forward to the next stage in your life, but many parents may also be concerned about how their children will manage their finances and their health.

Money can be a concern for many young adults, and if your kids are at university and living on a student budget, paying out-of-pocket healthcare costs may not be their top priority. And most kids won’t want to take out separate students health insurance. Fortunately, if your kids are under 25 and studying full time they may still be covered on your family health insurance, even if they are not living at home any more.

If that’s the case, you won’t have to spend time worrying about whether they can afford dental check-ups, and they won’t have to further stretch an already tight budget to get the healthcare services they need to stay healthy.

Are my kids covered?

Cover for adult children under your family policy will largely depend on your health fund. Most insurers will cover children and other dependants up to the age of 21 on the family policy. This is generally extended to 25 years for full-time students as they are still considered dependents of their parents. Usually the only time that this may not apply is if your child gets married or is in a de-facto relationship. In this case, they probably won’t be covered under your family policy and will need to take out a couples or single health insurance policy of their own.

What if my kids aren’t studying full time?

As long as your kids are under 25 years of age, you may be able to get coverage for them on your family policy, even if they aren’t studying. Some health funds offer specific policies for families with adult children or offer you the option of extended family cover so that you can be sure your older children’s health insurance needs are being met. These policies usually come with an increased cost but many parents appreciate the peace of mind of knowing that their child will still be able to receive the same benefits while they are finding their feet as young adults.

If you’re looking for the best private health insurance policy to suit your family, it’s important to compare the different options. Just like every family is unique, each health fund comes with different rules and levels of cover. Comparing all your options makes it easier to find the one that is going to best suit your family.

To compare family health insurance and learn more about comparing options for adult children, give Choosewell a call on 1300 421 154 or request a call back for a free health insurance comparison.

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