Until what age can children remain on a family health insurance plan?

Question

Private medical insurance ensures you bypass any waiting lists and receive treatment when you need it most whilst providing the best possible treatment in the most comfortable surroundings.

'Every thing was explained well to us. Full support was given with filling in the forms. The quote was impressive too!'

Type of plan 

- Basic Mid Range Comprehensive International

Excess 

- £0 £100 £200 £500 £1000

Date of birth 

We have a private medical insurance plan for our family and our eldest is going off to University soon and I wanted to know whether they could still be covered on the plan?

Answer 1

This is dependant upon the insurer and the policy itself, many insurers differentiate between whether the child is still in full time education. Often the maximum age for children on a family health insurance plan will be 21 years old if no longer in full time education or 24 years old if still in full time education. Other providers who do not differentiate may allow individuals to stay on a family health insurance to the age of 24 years regardless.

Again it is important to consider a range of insurers when considering a family health insurance plan as the terms offered including maximum age limits for children should all be considered when choosing the most suitable cover.

You will need to either review yoru policy terms or call your health insurance provider to confirm the limits on your particular plan.

This information does not constitute financial or other professional advice. You should consult your professional adviser or contact us directly on 020 8432 7333 should you require financial advice. It is important to ensure any insurance policy you take out is suitable for your needs.