Keeping your children covered
Maintaining cover for your children as they grow up is just as important to us as it is to you. We offer a range of cover options for dependants, so you can have the peace of mind that they’ll be covered when it’s most important.
Child dependants can be covered on your family or single parent membership until they turn 21 years of age regardless of their student or employment status.
Prior to your child turning 21, you will need to let us know if they are to remain on your policy as a student dependant. You can do this by completing a student declaration. If a student declaration is not completed prior to their 21st birthday, they will be automatically removed from your membership.
Student dependants who are single and completing an apprenticeship, traineeship or studying full time can continue to be covered on your family or single parent membership until they turn 25 years of age.
Registering a student dependant each year
If your child is between 21 and 25 years of age, you will need to submit a student declaration to ensure they remain covered by your membership. This declaration needs to be completed prior to April 1 each year to confirm your child’s status as a student.
For current student dependants, if we don’t receive a student declaration prior to April 1, they will automatically be removed from your membership. Don’t worry, we’ll remind you to complete a student declaration each year.
If a student dependant completes their full time study or eligible apprenticeship/traineeship mid-year, they’ll remain covered on your membership until 31 March the following year or until they turn 25, whichever occurs first.
Ensuring your child is covered once they turn 25, or are over 21 and not a student dependant
If your child is over 21 and not eligible or ceases to be eligible to remain on your membership as a student dependant, they will need to take out their own cover. They will also need to take out their own cover if they turn 25, regardless of their student status.
To avoid re-serving waiting periods your child’s new cover will need to start from the same date they are removed from your membership. Dependants will have 60 days from the date they are removed to organise their new cover.
To make this transition as easy and seamless as possible please contact us on 1300 446 422.
How to sign your child up to their own cover
- Call GMHBA on 1300 446 422
Your child will need to be present to sign up, so have your child call themselves, or have them sitting with you for the call.
- We will support your child to find an equivalent cover, or one more suitable to their needs
- Parents can continue to pay for their child’s cover, but please note they cannot make changes on behalf of their child.
- As your children grow, your health insurance needs may also change. This may be a good opportunity to review your own insurance needs and GMHBA can provide you with a personalised cover review.