Family policy? Adult kids in full-time study? Here’s what to do!
Dependants on a family policy are automatically removed when they turn 21 – but student dependants can stay on your family policy until they turn 31.
Just remember to submit a new Student Declaration each year before 1 March.
What is a student dependant?
A child (to whom the primary member of your policy is the legal guardian) aged between 21 and 31, who is studying full time and isn’t married or in a de-facto relationship.
How do I register my child as a student dependant?
Complete a Student Declaration Form via the Online Member Centre
Or, download a Student Declaration Form from our website and send a completed copy to hello@hif.com.au
How long can my child be covered as a student dependant?
We cover student dependants up to the age of 31. As long as they’re in full-time study and aren’t married or in a de facto relationship, they can stay on your family policy.
When they turn 31, we’re legally obliged to remove them from family memberships, even if they meet all the other student dependant criteria.
My child isn’t currently covered. Will they have to re-serve waiting periods?
Not necessarily. Your child won’t need to re-serve any waiting periods if they rejoin your family policy (or take out their own policy) within two months of when they last held cover.
If your child joins or rejoins more than two months after not having cover, they will need to re-serve waiting periods.
That’s why it’s important to keep your child’s student declaration up to date and set up their own cover if they’re no longer studying.
Important please note:
- If we don't receive a student declaration for a dependant, they will be automatically removed from the policy on their 21st birthday.
- A new student declaration must be submitted each year before 1 March for student dependants to remain on the policy. If we don’t receive a new student declaration, then they will be automatically removed from the policy on 1 March.
- Dependants aren't income-tested and don't have to live at home. However, if they're married or in a de-facto relationship, unfortunately they are not able to stay on the family membership.
- A dependant cannot use their health insurance outside of Australia.
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