Dependants aged 21 - 31

Dependants aged 21-31 who are a full-time student, trainee, apprentice, intern or cadet, but aren’t married or in a de-facto relationship can be on your family membership at NO extra cost to you!

Adding a student dependant

If they’re already on your membership:

• Turning 21 – we’ll contact you beforehand to ask if they’re studying full-time. If so, all you have to do is register them as a student dependant
  
  
• On Extended Family Cover – register them as a student dependant
  
  

If they’re not on your membership^*

Please call us on 1300 727 538

Each year (until they turn 32), we’ll ask if your dependant is still studying. If they are, re-registering them will keep them covered.

Finishing full-time study?

If they’re under 32 – and not married or de-facto – they can stay on your membership via Extended Family Cover^{^}.

See more on Extended Family Cover

If they’re a higher earner

Even if your dependant earns more than the income threshold, the Medicare Levy Surcharge (MLS) doesn’t apply to them as long as they have hospital cover through your membership. If they have dependants of their own, those dependants also need hospital cover for the MLS not to apply.

Married, de-facto or turning 32?

If they want to stay covered, they’ll need their own membership.

Help your dependant choose their own cover

^*Waiting periods may apply for dependants who are new to health insurance, have been without cover for more than 60 days or join on a higher level of cover than they held within the previous 60 days.

^{^}Extended Family Cover isn't an option on StarterPak (Basic Plus) or Emergency Ambulance cover.