As your kids grow older and begin to leave home to attend university, you may be wondering how you can keep them safe.
While you could previously keep an eye on their health and wellbeing, once they've flown the nest it can be more difficult to ensure they are staying safe and healthy.
Fortunately, if an illness or injury does occur, your children may still be eligible for cover under your family health insurance.
Although many health funds have different rules and regulations regarding whether dependants are covered under family health insurance, there are options for extended cover even for those children who have left home.
Typically, as long as your child is listed as a dependant under your policy, they are automatically covered until approximately 20 years of age. This age limit does vary depending on the health fund in question, so it is important to research their cover.
Additionally, this limit can be extended under some policies if a child is registered as a full-time student.
Most health funds charge a small fee to attach student dependants on a policy, but this choice will allow the student to benefit from private health insurance cover until the age of 25 or until they leave full-time study, whichever comes first.
Under some health funds, there is also the option to register an unmarried child who is not studying as an adult dependant until approximately 24 years of age.
These options often require you to pay higher premiums but can be more efficient and cost-effective than the child taking out their own policy.
If you would like more information on which Australian health insurance funds can help you keep your children covered, contact HICA today