AMA VICDOC_Spring 2026_09.09.2026 - Flipbook - Page 33
If they are no longer studying full time,
but meet the other criteria, they will be
classed as non-student dependant, and
can continue to be covered if you upgrade
to an ‘extended family ’ policy.
There is no maximum age for a dependant
Grab a discount!
With more young people recognising the value
of private health care, we offer the age-based
discount across our product range to help them
take the next step and purchase health cover.
with a disability on a Doctors’ Health Fund
The discount is available to those aged 18 to
Disabled Dependant family policy however,
29 years taking out their own hospital policy
they must earn $105,000 or less annually
and the discount ranges between 2 per cent
and participate in the National Disability
to 10% per year, depending on the age of
Insurance Scheme. They can remain on
the person at the time of joining Doctors’
your family policy indefinitely, regardless
Health Fund.
of whether they have a partner, are married
or in a de facto relationship. The policy
holder needs to contact Doctors’ Health
Fund to upgrade their cover to include their
dependant with a disability.
What’s next? Their first
health insurance policy
Once your dependant has turned 32, no
longer meets the fund’s definition of a
dependant, or has decided they would
like to take out their own policy, the choice
of hospital and extras cover can become
overwhelming.
At Doctors’ Health Fund we value your
freedom of choice, and we want our
members to choose a policy that meets
their personal needs.
Members will retain their discount until they
turn 41, after which time it reduces at a rate of
2% per year until they turn 45. The discount is
applied to hospital cover only, not extras, and
is separate to any other discounts or rebates.
Read more about the youth discount
at the Doctors’ Health Fund website.
Don’t get caught out
Lifetime health cover (LHC) is an Australian
Government initiative aimed at encouraging
people to take out private hospital cover before
they turn 31. If your dependant does not have
hospital cover following their 31st birthday,
and then takes out hospital cover later in
life, they will pay a 2% loading on top of their
insurance premium for every year they were
over 30 and did not have private hospital
cover. When you have paid LHC loading on
Depending on life stage and pre-existing
your hospital cover for ten continuous years,
health conditions, our combined Smart
the loading is removed.
Starter Bronze Plus hospital and Starter
Extras package is an ideal starting point for
first-time health insurance buyers in good
Read more about lifetime health cover
at the Doctors' Health fund website.
health. Smart Starter Bronze Plus covers
key clinical categories relevant to young
singles and couples, while Starter Extras
covers essential out-of-hospital services
like optical, dental, and physiotherapy.
Private health insurance products are issued by The Doctors’
Health Fund Pty Limited, (ACN 001 417 527). Cover is subject
Exclusions apply to this cover and members
need to be aware of those by visiting the
Doctors’ Health Fund website.
to the terms and conditions (including waiting periods,
limitations and exclusions) of the individual policy, available
at www.doctorshealthfund.com.au/our-cover
© Avant Mutual Group Limited 2026
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