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What if I am no longer a dependant and need my own cover?

If you have recently finished full-time study or turned 25, you may no longer be covered under your parents’ health insurance policy. In this case, if you don’t take out your own cover, you will lose access to things like private hospital treatment with your choice of doctor, emergency ambulance and Extras like dental and physio.

Your ability to claim immediately when re-joining health insurance may also be impacted. A break in your cover means no continuity and you may need to reserve waiting periods.

To maintain your health cover, make sure:

- the level of cover you choose is equal to or lesser than your parent's cover (you will need to serve any waiting periods for higher benefits)

- your policy is backdated to start when you came off your parent's cover or when you turned 25.