HCi Factsheet

Keeping health insurance simple!

Who counts as a dependant for private health insurance?

March 2022

Whilst you can have private health insurance as a single, you may want to include your partner and children on your policy. It’s generally more cost effective to have a family policy rather than multiple individual policies – less administration to manage, too!

So who can you add as a dependant?

Your HCi health cover can include you and your

  • partner (married, de facto or same sex partner)
  • minor children
  • children 18 to 23 if they are not married or living with a partner
  • children aged 23 to 31 if they meet eligibility rules (see below


WOman and girl on a couch with a man behind them - a happy family

Are my adult children eligible?

An eligible dependant is required to be the child of a HCi member (or of the member’s partner),  including step children and adopted children. The dependant must be primarily reliant on the HCi member for maintenance and support. They cannot have a spouse or be living in a de-facto relationship.

An eligible dependent child can be covered on a family (or single parent) membership until they turn age 23, regardless of their student or employment status.

Their cover on that policy can then continue between 23 and 31 years of age if they are studying full-time (ie a dependent student), subject to providing us with a Student Declaration each year.

However, if they are aged between 23 and 31 years of age, and not a full-time student, then they must also reside with the HCi member to remain eligible (ie a dependent non-student).

What happens if my “dependants” are not eligible?

If someone listed on your policy is not eligible, they are not covered for any claims. They need to be removed from your policy – which may just reduce your premiums, too. You can notify us of any changes in who is included in your policy via our policy update form.

If your dependant becomes ineligible (eg your child turns 31 or gets married), they can join HCi on their own policy. By starting their own cover within two months of becoming ineligible, they will not have to serve waiting periods for an equivalent or lower level of cover. HCi has a great range of products to suit a range of cover needs, including singles cover for young people.


* Proof of full time studies is required each year. Our dependants declaration makes it easy!


If your policy covers just you or just you and a partner, you will need to contact us to upgrade to a parent or family policy from the date you get a dependant.

If you already have a parent or family policy, you can add any new children by contacting us. Letting us know within 2 months of the child’s birth means there will be no waiting periods.

Once your child reaches 18, they can remain on your policy but you need to declare their eligibility each year via our dependant registration form.

HCi used its best endeavours to ensure this information was accurate at the time of publication. From time to time, circumstances relating to the subject matter may change which may impact the accuracy of the information. This information is also general in nature and does not take into account any specific health or financial situation. Before making any decisions in relation to this information, you should consider your own financial and health situation and seek professional advice. Health Care Insurance Ltd ABN 43 009 579 088. A Registered Private Health Insurer.

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