healthslips.com.au Pty Ltd (healthslips.com.au) has partnered with ItsMy Group Pty Ltd (ItsMy Group) for the provision of health insurance products. By proceeding, you agree that ItsMy Group will use your personal information for the purposes of providing advice to you on health insurance products and assisting you with arranging cover if you decide to proceed with a purchase. Not all policies can be discussed or purchased over the phone. If you click 'Enquire now' and our specialists cannot assist with your preferred policy, they will tell you and offer to discuss alternatives or provide you with contact details for your preferred policy.
ItsMy Group and healthslips.com.au will collect, store and use your information in accordance with the ItsMy Group Privacy Policy and the healthslips.com.au Privacy Policy.
The ItsMy Group is a signatory to the Private Health Insurance Intermediaries Code of Conduct.
Child health insurance is insurance that covers one or more dependant children under the age of 18 who are single. Child dependants include children who are adopted, step children and fostered. Child-only policies do not cover any adults.
Health insurance for child dependants only is available as:
For child dependants only under the age of 18 (per month):
The cheapest Hospital Cover ranges from around $84.80 in the NT up to around $162.42 in QLD, SA and TAS
Extras Cover starts at around $27.68 in the NT and ranges up to around $33.28 in VIC, QLD and TAS for the lowest cover
Combined Hospital and Extras Cover starts from between around $119.07 in the NT and ranges up to around $195.71 in QLD, SA and TAS for the lowest level of cover.
Key factors affecting the cost of Child health insurance
The cost of a policy covering one child dependant depends on the tier of Hospital Cover and extent of Extras Cover, where they live, the excess and any co-payments:
Tier of Hospital Cover:
Bronze Cover
Silver Cover
Gold Cover.
Extent of Extras Cover
Where your child dependants live – you pay more if:
they live in a state or territory where there is a higher rate of claims
their state or territory charges more for hospital services.
Higher excess: applies if you want to pay this in exchange for a lower premium.
Co-payment: applies if you want to make a contribution for every day they are in hospital in exchange for a lower premium.
Other factors that could impact your premium
If your income is $158,000 or less as a single person, or if you’re living with a partner with a combined income of $316,000 or less, you may be eligible for the Private Health Insurance Rebate, which gives you reduced premiums on:
Hospital Cover
Extras Cover
Ambulance Only Cover.
If you’re single and your income is more than $101,000 or living with a partner and your combined income is over $202,000 per year, and you do not have Hospital Cover that covers every member of your family, you may have to pay the Medicare Levy Surcharge. Holding a child-only policy will not make you exempt from this Surcharge.
