Dependants
At Union Health we recognise three levels of dependants on our policies.
Child dependants
A natural child, stepchild, legally adopted child, or child for whom the policyholder is the legal guardian or who is in the policyholder’s legal custody.
The policyholder’s adult child, who is not married or in a de facto relationship and who is under 21 years of age.
Student dependants
Dependants who are full-time students may remain on the family’s policy until they complete their studies or until they turn 31 (whichever comes first) if they:
Attend a recognised education facility for the whole of the academic year, and
Are not married or in a de facto relationship.
You must apply for student dependant cover on commencement of study using an Adult Dependant Registration form . Students are not covered if they cease or defer study during the year.
Extended dependants
Single parents and families with non-student dependants (including apprentices) may purchase extended dependant cover to enable young single (i.e. not married or in a defacto relationship) adults to remain on their family’s policy until they turn 31.
Available on all covers except Gold Hospital and Basic Hospital (stand-alone or combined with an Extras policy). Additional loading of 25%-30% applies.
