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.
There is no extra cost to your premium when dependent children 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 talk through the options for you and your family.
Your children can be covered by your family membership up to the age of 21.
If they are a student dependant, they can continue to be covered by the family’s membership up to 25. A person can be a dependant under a Family, or Single Parent Family policy where that person:
- is the child, stepchild or foster child of the policyholder; and
- does not have a partner; and
- is under 21 years of age; or
- between 21 and 24 years of age (inclusive) and is a full-time student at a school, college or university
To continue a student dependant’s cover under the family membership, a confirmation of their status needs to be received by Doctors’ Health Fund each year. We contact all members with dependants over 21 years of age requesting the details needed to continue their cover. If a response is not received by the date requested, the dependant’s cover is terminated.
Any dependant coming off their family’s cover is eligible to take out their own cover with Doctors’ Health Fund. They must join within 60 days in order to continue their cover so they do not have to re-serve waiting periods.
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.
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.
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.
Not separately from other family members on your policy. The same level of cover applies to all family members listed on your policy.