Adult Children Can Stay on Parents' Health Insurance Policy Until Age 32

With Aussies feeling the cost-of-living crunch like never before, there’s a little-known private health insurance hack available to young adults that we want you to know about!

Award-winning private fund Health Partners now lets adult children remain on their parents’ cover until their 32nd birthday.

The change, which is available to all existing and new Health Partners policies from October 2023, could save young adults thousands in health insurance premiums up until their early thirties!

This shift comes as welcome news for many young singles grappling with the financial strain of securing their own health insurance coverage. With the option to stay on their parents' plan, eligible adult children can potentially save big.

Award winning value

We're your award-winning, value giving partner—named 2026's best for Family and Comprehensive Hospital Cover by WeMoney.^# Health Partners allows dependants to remain on Family policies until they turn 32 regardless of whether they are studying or not. It’s that simple! The only requirement for children to stay on their parents’ cover is that eligible adult children must be single (not married, or living in a de facto relationship).

Selected Family Extras policies include a whopping 100 per cent back on a Health Partners Dental check-up, participating physio consult, and prescription eyewear from Health Partners Optical (Terms and conditions apply, see individual product details for more information). Additionally, Emergency Ambulance cover is available across all current Health Partners coverage types, whether Hospital, Extras individually, or combined, ensuring comprehensive protection for policyholders nationwide.

Can I stay on my parents’ health insurance?

Dependent children may remain on a Family policy provided they are:

• Under the age of 32
• Single (not married or in a de facto relationship)

Unlike some other funds, Health Partners has no additional requirements. Be wary of some funds that require dependants to live in the family home or be financially dependent in some way.

Are there any advantages to taking out my own cover?

By taking out your own policy, you can choose the Health Partners cover that most appropriately meets your life stage and needs. This may involve lower levels of cover than your parents, which may be cheaper for your specific situation.

By remaining on a Family policy, you are restricted to that policy's inclusions. For example, let’s say your Family’s cover is Silver Hospital Plus Lite and Combined Good Extras. If you choose to stay on your parents’ cover, you would not be able to change to a lower Hospital level, which may be more appropriate to your individual circumstances.

How do I buy Health Partners Family cover?

Family pricing is available on both Family and Single Parent covers at all levels. Get a personalised Family quote online today.