Dependants and health insurance

GMHBA membership

Child dependants: are covered up until they turn 21 years of age if they no longer meet the criteria for student dependants.

Child dependants that do not meet the criteria (of a student dependant) will be terminated off the membership from the date they turned 21. They have two months to organise health insurance from this date, however their new membership will commence from the date they turned 21. They won’t have to serve waiting periods when transferring to an equivalent or lower level of health insurance.

Student dependants – are covered up until they turn 25 years of age. They have two months to organise health insurance from this date however, their new membership will commence from the date they turned 25. They will not be required to serve waiting periods when transferring to an equivalent or lower level of health insurance.

Student dependants – mid-year school/apprenticeship and traineeship leavers who transfer from their parent’s GMHBA membership within two months of leaving school or finishing an eligible apprenticeship or traineeship through a registered training group* are not required to serve waiting periods when transferring to an equivalent or lower level of cover. A letter from their school or registered training group confirming the date of completion is required.

Student dependants – end of year school/apprenticeship and traineeship leavers are covered under their parent’s family or single parent membership until the 31st of March the following year. They will not be required to serve waiting periods when transferring to an equivalent or lower level of health insurance.

Other funds

Student dependants whose parents are fund members of another registered health fund may join GMHBA within two months of ceasing to be a dependant, on a level of cover equal to or less than that held by their parents, without serving waiting periods. An acceptable transfer certificate and claims history must be received.

Previously uninsured

Previously uninsured dependants may join GMHBA within two months of leaving school or on completion of a full-time apprenticeship/traineeship, and receive immediate Bronze Hospital cover benefits, except for any pre-existing condition/illness (other than for psychiatric, rehabilitation and palliative care) and maternity cases for which a waiting period of 12 months will apply.

All waiting periods must be served for extras benefits and hospital benefits which are higher than those available from the Bronze Hospital cover.

Child dependant excess

No excess applies for child dependants under 21 on GMHBA’s Gold family hospital covers.

*Group Training is an employment and training arrangement whereby an organisation employs apprentices and trainees under an Apprenticeship/Traineeship Training Contract and places them with host employers. A registered Group Training Organisation undertakes the employer responsibilities for the quality and continuity of the apprentices’ and trainees’ employment and training. To qualify as a traineeship and be eligible to attract Commonwealth Government incentives, there must be a registered training contract between the trainee and the employer. Please contact us on 1300 446 422 or visit a branch for more information.