THE MEMBER
The member is the name of the person the health insurance policy, or membership, is held under.
The member is:
- The primary point of contact for MHF
- Responsible for payment of premiums
- Advises MHF of any changes to membership details
- Nominates who is covered on the membership
SINGLES COVER
As a single membership covers the one person only, this person is referred to as the member.
SINGLE PARENT COVER
A single parent cover includes:
- The member
- The members child dependents
- The members student dependents
SINGLE PARENT PLUS COVER
This is an extended cover to include:
- The member
- The members child dependents
- The members student dependents
- The members adult dependents aged 21-24 inclusive
COUPLES COVER
The following people can be covered on a couple membership:
- The member
- The member’s spouse or partner
FAMILY COVER
The following people can be covered on a family cover:
- The member
- The members spouse or partner
- Child dependents of the member and/or the members spouse or partner
- Student dependents of the member and/or the members spouse or partner
FAMILY PLUS COVER
The following people can be covered on an extended family cover:
- The member
- The members spouse or partner
- Child dependents of the member and/or the members spouse or partner
- Student dependents of the member and/or the members spouse or partner
- Adult dependents of the member and/or the members spouse or partner aged 21-24 inclusive
FAMILY TYPE COVER
This term refers to the following membership types or covers:
- Single Parent cover
- Single Parent Plus Cover
- Family Cover
- Family Plus Cover
DEPENDENTS
CHILD DEPENDENT
Child dependents are automatically covered on a family type membership until they reach 21 years old regardless of their student or employment status.
When a child dependent turns 21, their dependent status will change and the following will need to be considered:
- If they are still a full time student, and meet the Student Dependent criteria, they can remain on the family’s membership until age 25.
- They can continue on the family’s membership as an Adult Dependent if the criteria is met and the families membership is upgraded to an extended cover.
- They can join their own membership from their 21st birthday. Benefits will continue automatically provided all waiting periods have been served and the new membership is commenced within 2 months of turning 21.
- Continuation of cover will require dating and payment of this membership from the date of their 21st birthday.
STUDENT DEPENDENT CRITERIA
Student dependents aged 21-24 inclusive can remain on the family’s membership, until they turn 25, as a full-time student provided that:
- They complete a minimum of 75% of a full-time course load as defined by the student’s educational institution.
- They are not married or in a de-facto relationship.
- Note: Apprenticeships and traineeships do not qualify as full-time study.
A dependant registration form must be signed when they turn 21 and then again in February each year.
When they turn 25, they must join their own membership to have continued coverage.
They will not be required to serve waiting periods if joining an equivalent, or lower, level of cover to the cover you hold.
ADULT DEPENDENT CRITERIA
Your non-student dependents aged 21-24 inclusive who are not married, can remain on your membership until age 25 at an extra cost of 25% of your current premium.
This will require an upgrade of your membership to an extended cover – either Single Parent Plus or Family Plus depending on your circumstances. There is no limit to the number of adult dependents included, the cost will be the same for one or more.
When they turn 25, they must join their own membership to have continued coverage. They will not be required to serve waiting periods if joining an equivalent, or lower, level of cover! Continuation of cover will require dating and payment of membership from the date of their 25th birthday.
Find out how to receive the Youth Discount for 18-29 year old here.
Continuation of cover will require dating and payment of this membership from the date of their 25th birthday.
