Single: yourself only

Couple: you and your partner (married or defacto)

Family: you, with your partner (married or defacto), plus all registered dependant children up to age 18. Registered full-time students (without a partner) are also covered up to their 25th birthday.

Family Focus: you, with your partner (married or defacto), and all registered children up to the age of 18. Registered children between the age of 18 and 25 who are without a partner and not full-time students.

Sole Parent Family: you and all registered dependant children up to the age of 18. Registered full-time students without a partner are also covered up to their 25th birthday.

Sole Parent Family Focus: you and all registered children up to the age of 18. Registered children between the age of 18 and 25 who are without a partner and not full-time students.