Are you parents and your children have already grown up well? Wondering if you can still cover your children, who are now young adults, with your health insurance plan?
Whether or not your children benefit from your health coverage when they are 18 years old or older depends on several conditions. Eligibility criteria vary from one insurance company to another. Let’s discover together what these conditions are to help you better understand when your child is covered and up to what age?
Until what age is my kid covered by his parents’ insurance?
To be sure that your child is covered by your insurance policy or not, it is important to check the eligibility criteria of your policy.
Your child may be covered under the same policy as you but only up to a certain age. Then he will have to subscribe to an individual health insurance.
If we focus more on the health insurance plans provided by UEX, here is what you need to know:
If you and your family are covered with an AXA plan:
- With a local Base Plan 1 or 2, your child will be covered by your insurance policy until he or she turns 18.
- However, if you are covered with an international Base Plan 3 or 4, your child will be covered under the same contract as his parents until he or she turns 21. You also have the opportunity of extending his insurance contract until he turns 24 if your child is not married and unemployed.
Please note that if your child is over 18 years old at the time of application, he cannot be added to your family insurance contract, even if he is a student. To be able to add your child to your policy, he must therefore be under 18 years of age, whether you choose a local or international plan.
If you and your family are covered with APRIL insurance:
Your child may be covered by your family insurance policy until he reaches the age of 19 (inclusive).
You can then extend his contract under your policy until he turns 23 if he is a full-time student and financially dependent on you. Please note that you will need to provide proof of full-time student status.
APRIL also offers more specific solutions for students over 18 years of age who are not studying in their country of nationality. If you can no longer add your child to your insurance policy, he can still be covered by the APRIL Student Health International Plan.
If I am already covered by my company insurance, can I still top-up for my kid?
Many companies provide health insurance to their employees. If this is also your case, you should pay attention to two things in particular:
- Make sure that your employer health insurance covers other family members and your children especially.
- If your children are also covered by your employer’s insurance, check carefully until what age they will be covered.
If your child is not covered by your employer health insurance and is over 18 years of age, you will not be able to add him to your insurance policy. However, you still have the option of subscribing to an individual health insurance for him only.
The most appropriate coverage depends on your child’s situation.
If your child over 18 years of age is in one of these situations, we advise him to subscribe to an APRIL student coverage:
- foreign student in Singapore. He is considered as a student in a country other than his country of nationality. So he is eligible to an APRIL student coverage.
- student/trainee working in Singapore, on a non-permanent basis. He should have a Training Employment Pass (TEP), a Work Holiday Pass (WHP) or a Training Work Permit (TWP). So he is also eligible to the student coverage.
Note that if your child has a WHP, he or she can also take out insurance with Chapka, which offers specific coverage for young people with this visa.
If, on the other hand, your child over 18 years of age has a long-term visa such as an Employment Pass (EP) or a Dependent Pass (DP), he is eligible for local or international health insurance in Singapore.
Be aware that if your child is a young working person in Singapore, the local AXA Base Plan 1 or 2 is a good solution to ensure both good coverage in Singapore and abroad in case of emergencies and to optimize the budget.
Can I cover my child even when he/she has pre-existing conditions?
Regarding pre-existing conditions, the same rules as for adults apply to children. Before you can add your child to your insurance policy, you will need to make a health declaration of pre-existing conditions and these may be included or excluded from your insurance contract.
If you want to know more about pre-existing conditions and how to declare them, read our specific article on the topic.
To find out more about healthcare topics in Singapore you can check our articles. To understand how your health insurance plans cover the healthcare costs, you can approach UEX’s happiness team by email for more information and guidance – and the good news is that they are super nice!