Is your child turning 21? Here’s what to do with your health insurance

Your children turning 21 is a major milestone for the family. It also happens to be the age most health funds stop classing your children as child dependants. But with many young adults still studying and living at home at age 21, does it really make sense for them to take out their own policy?

The good news there are policies that cover your children after they turn 21, but the rules differ depending on your fund and your circumstances. That’s why it’s important to review your policy and your situation once your children turn 21.We can help answer all your questions and find your family great-fitting health insurance.

Here’s How You Do It:

Step 1: Select your current life stage below.
Step 2: Once you select your preferred coverage options, you will have the opportunity to compare quotes from multiple health funds.

Choose your life stage.

I’m looking at health cover for…

When do kids need to come off my family health cover?

If your child is studying full-time, they can remain on your family policy as a student dependant with no extra charge until they turn 25, as long as you can provide proof of their enrollment each year.

If your child isn’t studying full-time, they may be able to continue on your family health cover as an adult dependant at an increased monthly rate until they turn 25.

What are the exceptions to keeping an adult child on health cover?

If your child marries or is in a de facto relationship and is under 25, they will need to be removed from your family health cover and take out cover of their own. If this is the case, we can help find your child the right policy for their needs and their budget.

What are the differences between health funds?

Below indicates the age your children stop being defined as child dependants, as determined by the funds we compare.

Once your child reaches this age, they can generally remain on your health insurance until they turn 25 providing they remain full time students.

Table of health insurers that are served by and the ages that adult children need to come off your fund

What extras won’t be needed once my kids are adults?

While your children don’t have to come off your family health cover right away, it’s still important to take a look at your policy.

You may still be paying for obstetrics, even though you are not looking to have any more children. You could also still be paying for dental cover, despite your children having completed their orthodontic treatment.

Health Insurance Comparison can help you find the policy that ticks all your family’s boxes, without the unnecessary extras. By comparing with us, families with health insurance were able to save an average of $600.31 last year alone.*

What should I do next?

Health Insurance Comparison is here to help you find the right cover for your family’s health needs.

Your adviser will deal with the policy transfer process from start to finish and will help with paperwork. We don’t charge a fee or mark up policies, so you can be sure all prices are coming directly from the insurers. 

It only takes a few steps to compare policies and find better-value family health cover.


*Based on average customer savings in 2019.

This article is opinion only and should not be taken as medical or financial advice. Check with a financial professional before making any decisions.

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