What are my children covered for?

Family cover provides the same level of hospital and extras cover for each family member listed on your policy. For extras products, annual benefit limits are per person, per calendar year.

Do I pay extra for having children on my policy?

There is no extra cost to your premium when dependant children under 21 are added to a Couple or Family policy. If you have a Singles policy, you will need to upgrade your policy to a Single Parent or Family policy and your premiums will increase. Please call our expert Member Service Team on 1800 226 126 to discuss the options for you and your family.

What happens when my children turn 21?

Once your children turn 21, they can remain covered on your family membership until 25, either as a student or non-student dependant.

To continue cover for a student dependant, we need to receive confirmation of their full-time study at the start of each academic year. Members with student dependants over the age of 21 are contacted annually to confirm this information. Student dependants can remain covered on your membership at no extra cost to your premium.

If your child is not studying full-time but is still your dependant, you can upgrade your cover to Extended Family Cover or Extended Single Parent Cover, which is available with all our current products*. Extending your cover will allow all your children to remain covered on your membership until they turn 25, for an additional 25% cost of your premium. Please call our expert Member Service Team on 1800 226 126  for a personalised quote and to upgrade your cover.

*Excluding Smart Starter Bronze Plus and Starter Extras, which are available for Single and Couple policies only.

What is a dependant?

A child dependant is a Child, Stepchild or Foster Child under the age of 21 that does not have a partner.

A student dependant is a Child, Stepchild or Foster Child between the ages of 21 and 24 (inclusive) that does not have a partner, and is a full-time student at a school, college or university.

A non-student dependant is a Child, Stepchild or Foster Child between the ages of 21 and 24 (inclusive) that does not have a partner, and is not receiving full-time education at a school, college or university.

What happens to children who are no longer dependant? 

Any dependant coming off a Family or Single Parent membership is eligible to take out their own cover with Doctors’ Health Fund. They must join within 60 days of their cover ending to ensure continuity of cover and to avoid re-serving waiting periods.

Our Smart Starter Bronze Plus hospital cover and Starter Extras package is a great option for getting started. Click here to compare hospital covers and get a quote in minutes.

How do I add my new child to my policy?

You will need to contact Doctors’ Health Fund to add each child to your membership within two months from the date of their birth. This also means moving to a family membership if you are not already on that level of cover. This will ensure your child does not need to serve any waiting periods.

It's important to be aware that there may be tax implications if your child isn't added to the policy from their date of birth.

Planning to have a baby? Plan ahead!

If you are planning to have children you should check that your hospital cover includes obstetrics. This refers to the in-patient services associated with pregnancy and the birth of a baby. All our hospital covers have a 12-month waiting period for making claims for all in-patient services related to an obstetrics admission, unless you are switching from another fund to a comparable cover with us and have already served your waiting period.

Do I have to pay an excess if my child goes to hospital?

If you have an excess with your policy, it applies to all family members listed on your policy, regardless of age. The excess is capped at $1,500 for the entire policy (not per person), so you will always know the maximum you may need to pay in any year.

Can my child have their own member card?

Yes. You can order a card for them using our Online Member Services.

Can I change the level of cover for my children?

Not separately from other family members on your policy. The same level of cover applies to all family members listed on your policy.