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Get Affordable Health Insurance for Children

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Anneke Van Aswegen Updated: 11 May 2020
Types of Health Insurance

While Medicare pays for all your child’s immunisations and might provide subsidies for some of their dental care, eye tests and the cost of treating a cleft palate, it doesn’t offer coverage for all possible future medical procedures and general treatments. Also, if you do not qualify for Medicare in Australia, you are responsible for all your children’s health care costs.

Most private health insurance companies in Australia will generally allow you to add children to your couple’s or family health plan at no extra charge; this implies ‘free’ health insurance for children, making affordable coverage for the entire family possible.

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If you do not have private health insurance and want to ensure your children are protected, you might want to invest a family health insurance plan.

Benefits of health insurance coverage for children in Australia

Children usually have a higher probability of requiring medical assistance because of their accident-prone nature and risk of developing things like pinkeye, ear infections and chickenpox. According to the Australian Institute of Health and Welfare, 1 in 10 children get diagnosed with asthma, and there are over 1000 new cases of type 1 diabetes diagnosed in children (2014 to 2015).

As a parent or guardian, you might want to purchase health insurance for your children because:

Take note: Terms and conditions for adding children to your health cover may vary between funds, so check to make sure your kids meet the required criteria.

Can I get private health insurance for my child only?

Buying child only health insurance in Australia is very rare. Although you might be able to find select funds that are willing to cover your kids without you, you can generally include your children on your couple’s health insurance policy at no extra cost and thus provide your entire family with private health cover.

How to add children on parents’ health insurance

To add a kid to your singles or couple’s policy, you’ll typically need to upgrade to a family health insurance plan or a single-parent policy, depending on your circumstances. However, if you’ve upgraded from a singles plan to a policy with increased or different benefits, then relevant waiting period will apply, and you might have to pay a higher premium.

Couples policies usually cost the same as a family policy so that upgrading won’t usually change your premium very much.

If you want to add your newborn to your couples or family policy, then be sure to do so within the required period as stipulated by your health fund, which is generally two months.

Important: When planning to get pregnant, you might want to upgrade your policy as soon as possible because there is generally a 12 month waiting period before you can claim any pregnancy and birth-related services.

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How long can kids stay on your family policy?

Australian private health funds will usually allow you to cover your kids up until they turn 18 or 21, depending on the health fund you’ve chosen. When a child dependent turns 21, they usually have two months in which they need to get their own private health insurance coverage. The same is true for student dependents turning 25.

Child dependent

Generally, private health insurance companies might consider a person a dependent child when they’re between the ages of 18 and 21, depending on the health fund, and not married or in a de facto relationship.

Student dependent

Children up to the age of 25, might be able to continue on your family health insurance plan at no extra cost if they are full-time students. However, this depends on your insurer, and they might require a letter from the school or registered training group confirming their participating in full-time studies.

Adult dependent

Young adults, between 18 and 24 years that are not studying full time could potentially remain covered on your policy in exchange for paying a higher premium.

Finding the best health insurance for children?

Whether for a single or two-parent household, health funds generally provide no excess or co-payments for children when they need to go to the hospital. Depending on your requirements and what you can afford, the best medical insurance for children, usually include coverage for:

Look for a policy that offers no-gap extras for your kids and make sure that you’re covered for pregnancy if you’re planning to have more kids.

Frequently asked questions

  • Is it worth getting private health insurance for kids?

    You never know when your child might need a paid-surgeon. Ear grommets and hernias tend to be a common procedure amongst babies; the possibility of your little one being placed on a waiting list for surgery is something every parent wants to avoid. Health cover might be especially helpful for premature births, accidents, occupational therapy, physio and dental.
  • When do children need dental insurance?

    If you do not have Medicare or your child requires a bit more dental assistance, you might want to purchase Extras coverage that provides treatment for general and major dental, and perhaps endodontic and orthodontic.

    Medicare covers some of the costs for dental examinations, including routine cleaning, repairing cracked teeth, fillings and root canals if your child is eligible for the Child Dental Benefits Schedule (CDBS).

    However, not all dentists provide services under CBDS, and there are certain services that Medicare generally does not cover, for example, braces and dental or cosmetic work that needs to be done in a hospital, like removing wisdom teeth.
  • How much does health insurance cost for a child?

    Your health insurance premium is determined by the type and level of coverage you choose. For example, if you have a family or a couple’s policy, you might not have to pay anything extra when adding your children. However, upgrading from single’s cover to a family or single-parent plan will generally increase your premium quite a bit, but again it depends on the type and level of coverage you choose and your health fund.

    You might want to gather some quotes and compare which policy will suit your requirements and budget best.
  • Does private health insurance cover adopted kids, foster and stepchildren?

    Generally, yes. Although these kids might not be related by blood; foster kids and stepchildren are usually covered in the same way as biological children. However, to add a foster child, you might be required to provide evidence that states the date when the child has come into your care. It’s always best to check with your respective private health fund on what information they need.
  • How can a parent remove a child from their health insurance?

    Typically, you’ll need to contact your insurer to remove someone from your policy, unless they’re no longer eligible to remain on your plan in which case they will usually be automatically removed. However, it’s always best to confirm with your insurer.
  • How to add your baby to Medicare

    Generally, you’ll receive a Newborn Child Declaration form from your hospital or midwife, which you’ll need to submit before your child’s first birthday. You can submit the form using your Centrelink online account via myGov or the Express Plus Centrelink app. Alternatively, you can send the form by post or hand it in at a service centre.

    If you do not have a Newborn Child Declaration form, you can instead submit a Medicare enrolment form with all supporting documentation, including your child’s birth certificate.

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  • Reduce out-of-pocket expenses
  • Keep you family healthy
  • Easy and convenient
  • Free to use

Want to talk to a specialist? Call 1300 795 560

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