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 dependants

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 dependants

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, provided a student declaration is submitted each year.

Registering a student dependant 

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 1 April 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 1 April, 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 31 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* within 30 days; and
  • be taken out within 60 days of them coming off their parent's cover; and
  • be equal to or lower than the level of cover you hold as a family.

* Backdating of the policy will be required if cover is taken out between 31 and 60 days after a dependant is removed from the parent's cover.

Please note that in order to claim benefits their cover must be active on or before the day of treatment.

If your dependant has missed the cut-off date for transferring waiting periods already served, contact our customer service team to understand what options are available.

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 enquiries 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 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.

Under 30? You'll be eligible for a discount on hospital cover.

Did you know that from 1 April 2023, an age-based discount will be available on all Frank hospital covers for anyone under 30.

Learn more