Keeping your children covered

Maintaining cover for your children as they grow up is important. We offer a range of cover options for dependants, so that they’ll be covered when it’s most important.

Child dependant

Child dependants are automatically covered on your family or single parent membership until they turn 21 years of age regardless of their student or employment status.

Prior to your child turning 21, you will need to let us know if they are to remain on your policy as a student dependant. You can do this by completing a student declaration. If a student declaration is not completed prior to their 21st birthday, they will be automatically removed from your membership.

Student dependant

Student dependants who are single and completing an apprenticeship, traineeship or studying full time will continue to be covered on your family or single parent membership until they turn 25 years of age.

Registering a student dependant each year

If your child is between 21 and 25 years of age, you will need to submit a student declaration to ensure they remain covered by your membership. This declaration needs to be completed prior to April 1 each year to confirm your child’s status as a student.

For current student dependants, if we don’t receive a student declaration prior to April 1, they will automatically be removed from your membership. Don’t worry, we’ll remind you to complete a student declaration each year.

If a student dependant completes their full time study or eligible apprenticeship/traineeship mid-year, they’ll remain covered on your membership until 31st March the following year or until they turn 25, whichever occurs first.

Ensuring your child is covered 

If your child is over 21 and finishes full time study they’ll need their own policy if they want to remain covered by Frank.
From 25 years, all dependants need their own policy to be covered, even if they’re still studying.

Continuity of cover for your child

To ensure your child does not have to re-serve waiting periods, their new cover will need to start from the same day they’re removed from the family cover.

How to join up your child to Frank

  1. Give Frank a call on 1300 424 859
  2. If you are calling Frank on your child’s behalf your child needs to be with you so we can get their consent to join the policy.
  3. We will help assess the best cover for their needs
  4. You can be given authority to make enquires about your child’s policy, but as it’s theirs, you won’t be able to make changes for them.
  5. As your children grow, your life and health insurance needs often change too. This could be a good time to review your family’s policy with Frank.

Time to review your health insurance?

If this is your last child on the policy, or your family’s needs have changed, it could be a good time to check if you are still on the right cover.