As easy as child’s play: Choosing health cover that grows with your family
Worried about making the best decision for you and your family? Health cover doesn't have to be scary.
Are you worried about the cost of your children’s cover? Like many Australian families, you might be concerned about choosing the right Family Cover, and the added cost of covering your kids. We know that your children’s health is invaluable. So how do you put a price on something that’s priceless?
Thankfully, most health funds will include your children on your existing policy for no extra charge—and with a few simple steps, we’re taking the stress out of selecting the best healthcare option for you and your kids.
We understand how important it is to choose the right health cover for every member of your family. That’s why our service is offering our customers the tools they need to make an informed decision.
Family Cover can see your family through unexpected costs and situations. By paying for cover now, you save on potential risk in the future. However, these benefits do depend on your individual circumstances and the overall health of your family, which is why it’s always important to compare what’s on offer so you’re always making an informed decision.
There are two types of family health cover: hospital and extras. Combined policies provide hospital and general treatment cover. The higher the cover, the less restrictions there are, which means your family is covered completely, no matter what happens.
Whether you’re starting a family, a young family, an established family or a single parent family, we’re here to help you make the right decision. Choosing appropriate cover ensures peace of mind, financial security, better protection and access to better facilities.
It is important to note that unmarried dependants can be covered under your policy until they are considered independent adults.
Though the rules for cover may vary, there are three main dependant classifications:
- Child dependant: Up to the age of 21, reliant on the policyholder for financial support.
- Student dependant: Between the age of 21 and 25, still studying full-time and reliant on the policyholder for financial support.
- Adult dependant: Between the age of 21 and 25, not studying full-time, can be covered for an additional fee.
A good policy will be child-friendly, so it’s important to keep an eye out for benefits such as:
- Adult dependant cover without paying additional fees
- No payable excess when a child is admitted to hospital
- No-gap extra benefits for children
- Pregnancy and IVF treatment cover
- Extras cover for individual benefits, instead of overall capped or combined limits (which can easily be exceeded)
- Full ambulance cover, for emergency and non-life threatening transport, which ensures access to Australia-wide services
Every family has individual requirements. Adjusting your extras to suit what your family needs, when they need it, will keep your loved ones protected. Some health funds offer no-gap dental services and may even waive hospital excess for children. If eligible, Medicare’s Child Dental Benefits Schedule offers $1,000 in dental benefits every two years. This may be a factor when deciding on your extras cover.
Unfortunately, ancillary services such as dental, optical, podiatry, physiotherapy, chiropractic and ambulance fees lay outside Medicare’s basic cover. If you currently depend on Medicare to protect your family, supplementing that cover with private health care offers additional protection, and complete peace of mind.
As your family grows, so do your specific health insurance needs. Make sure you review your policy annually, and don’t be afraid to switch if you find a better health policy that’s more suitable for your current family situation. You can also choose to have split cover if separate health funds offer your ideal combination of hospital and extras.
We know how important it is to look after your loved ones. With the help of our friendly advisers at HealthInsuranceComparison.com.au, it’s never been easier to choose the policy that will best protect the future of your family.
Protecting your family starts today.
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Step 1: Select your state below.
Step 2: After answering a few questions, you will have the opportunity to compare quotes in your area and could be eligible for significant savings.