1300 955 691

Who Offers the Best Health Insurance for Families in Australia?

Find the right policy to cover private hospitals and extras, for tax purposes or to avoid LHC Loading. Trust Fair Health Care to provide you with informed options to consider.
Responsive Button

Health Insurance for Families

young family with children and dog

The Health Needs of Many Under the Umbrella of One Policy

Much like life, when it comes to health, every member of your family has their own unique needs and requirements. Learn more about the nature of covering more than two individuals under one family health policy in Australia.
 
The moment you add any dependent to a health insurance policy, it becomes defined as a Family Policy. From as small as a single-parent policy with one child attached, or as large as a populous Brady Bunch that requires a small bus just to visit the supermarket – the size and shape of what constitutes a family have no limitations.
Test Page - Button 5

Health Insurance for Families, Who Is It For?

Family health insurance is defined by one or two adults on any hospital-only, extras or combined policy, with the addition of any children or student dependents on the same cover.

Who qualifies as a child dependent?

A child dependent is generally defined as any legal dependent under the age of 21. However, some health funds differ on this definition, and the age can vary.
  
Most health funds will also cover your adult child or student dependents up to the age of 31 years (formerly only 25 years old) if they are studying full-time. Some health funds will also define an apprenticeship as equivalent to studying full-time.
 
The student dependent must rely on the adult policy-holder/s financially and in terms of support. They are no longer defined as a dependent if they get married or become part of a de-facto relationship.
Test Page - Button 4

What’s the Best Family Cover Health Insurance Policy for Me?

A private health insurance policy to cover a family needs a blanket approach to ensure that every member’s health requirements are met.

The adults may need cover for pregnancy or joint reconstructions, while children are more likely to require grommets, speech therapy or orthodontics. The potential for costly medical treatment, particularly unforeseen, is doubled down every time a new family member is added to the policy – even for relatively healthy families.

There are approximately 31 clinical categories that may or may not be covered on a private hospital policy, and around 25–30 categories of extras on top. That’s over 60 variables that need to be considered when choosing which health insurance policy is best for your family. The best private health insurance for families will be one that has considered all of the above and more. The most critical part of this exercise is to ensure that your health advisor knows how to ask the right questions about your family’s health needs across private hospitals and extras cover.
Surprisingly not. In most cases, the price of a couples policy for just two adults is the same if they were to start adding any number of dependents to the policy. Even a Single-Parent policy is similarly priced to a policy with two adults. However, some insurers are starting to come around to this and discount their Single-Parent policies. Finally, some health funds have created a variation of bundled products that are only for couples or only for families. These would be the only exception, and their prices are somewhat incomparable.you can access.
Yes, the number of dependents on your policy can affect your government rebate on health insurance, but in a very minor way. As we all know, the Medicare Levy Surcharge and the Private Health Insurance Rebate are means-tested based on the combined income of the adults. For every additional child after the first two, the means testing thresholds increase by $1,500. For example, the gross annual income for a Tier 1 medicare levy surcharge and the rebate is $180,000. If you had three children, this would increase to $181,500 and would further increase by $1,500 as you have more children.
Doing a health insurance comparison online without the guidance of a helpful health insurance advisor can be a tricky undertaking. Prices are dictated by factors like your current age, LHC loading, which Government Rebate on health insurance you are entitled to based on income, which excess you choose, which Australian state you reside in, and if the health fund has any pricing discounts.

What’s the Best Family Cover Health Insurance Policy for Me?

The best health insurance policy is one that matches your current health needs. However, the process one must undertake to answer these questions involves a structured and thorough analysis of your situation. Here’s a list of initial questions that you could ask:
A person should take out a Singles private hospital cover policy if they would like the option to receive treatment in a private hospital with the choice of a private doctor. There are different degrees of hospital cover: from Bronze through Silver and up to Gold. Knowing which level of cover is right for you is something Fair Health Care can certainly help you with – it’s what we do.
A basic Single extras policy can benefit someone if they can make good use of preventative health services like dental, physiotherapy, chiropractic, or osteopathy. Finding a decent policy is the challenge, but this is where we can help.
Doing a health insurance comparison online without the guidance of a helpful health insurance advisor can be a tricky undertaking. Prices are dictated by factors like your current age, LHC loading, which Government Rebate on health insurance you are entitled to based on income, which excess you choose, which Australian state you reside in, and if the health fund has any pricing discounts.
Responsive Button 8

Compare Family Private Health Insurance in Australia with Fair Health Care

One of the most common things we hear after helping someone compare family health insurance is, ‘Why didn’t I do this sooner?’

A conversation with one of our helpful advisors will address all the variables mentioned above and help you define what’s critically important to be covered and what may not make financial sense to retain. So many Australians are over-insured or under-insured and paying bucket loads for inappropriate cover for their family health insurance.
 
There’s no binary answer when it comes to comparing family health insurance. The smartest thing you can do is put aside some time to speak to the advisors at Fair Health Care. Our advisors will guide you through a health needs analysis and present the best options for you and your family. With Fair Health Care, you have nothing to lose and plenty to gain. From Singles, Couples to Families health insurance, trust us to help you find a cover that is tailored to your needs.
Test Page - Button 6

Who is the best health insurance founds in Australia?

With so many health insurance companies and brands available in Australia, choosing the right one can be daunting. Selecting a health fund that offers reputable hospital coverage, fair extras rebates, flexible policy options, and excellent customer service is essential…
READ MORE

Who is the best health insurance founds in Australia?

With so many health insurance companies and brands available in Australia, choosing the right one can be daunting. Selecting a health fund that offers reputable hospital coverage, fair extras rebates, flexible policy options, and excellent customer service is essential…
READ MORE

Do I need Health Insurance?

Learn about Medicare, the public health system, private hospital and extras, and how health insurance might benefit you and your family.

Health Insurance Tax

Are you paying the Medicare levy Surcharge? If so, taking out private health insurance can help you avoid paying the MLS tax.

Health Insurance Rebate

The private health insurance government rebate is means tested, meaning your income could affect the cost of your health insurance.

Lifetime Health Cover Loading

If you’re 31 or over, you may have a Lifetime Health Cover loading (LHC) penalty which will increase the cost of your health insurance.
LEARN MORE

Health Insurance Articles

Explore More Articles

1300 955 691

Suite 1/600 Victoria St Richmond, VIC, 3121

Monday-Thursday: 9am – 6pm
Friday: 9am – 5 pm
Saturday and Sunday: Closed

Facebook Linkedin Instagram

Fair Health Care Pty Ltd (ABN 86 622 966 303) is a subsdiary company of The ItsMy Group Pty Ltd (ABN 85 167 289 965), who are signatories to the Private Health Insurance Intermediaries Code of Conduct. All advice is provided within strict adherence to this code.

© 2025 Fair Health Care Pty Ltd – ABN 86 622 966 303