Make sure you understand your health fund’s membership rules and when your kids are no longer covered by your membership.
If your kids are unmarried and under 18, they’re still usually covered by your private health cover. Your health fund may even cover dependants between 18 and 24 years of age. But, there will usually be certain conditions around this, for example, the dependant may have to be a full-time student.
If your child does not qualify as a child or a student, then the fund may still allow cover to continue as a young adult dependant, but you will probably be charged a higher premium for this.
Check what you are paying for
In some instances, you may be able to reduce your premiums by removing specific cover that you don’t need any more, such as pregnancy cover.
What is and isn't covered with your health cover^1
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Source: http://www.privatehealth.gov.au/healthinsurance/whatiscovered/ ↩