Your Children Study Abroad: Do They Have the Right Medical Cover?

One of the questions we get the most from parents in Hong Kong is whether they can keep their adult kids on their own medical plan, even if their child goes abroad to study.

University students often travel back to their parents’ place of residence during the holidays and it may make practical and financial sense to keep their medical benefits under their parents’ scheme; especially so if the medical policy is international and can cover them wherever they are studying (Australia, Canada, France, UK, USA, etc.).

But not all insurance providers allow this. We at AD MediLink have reached out to some of the providers we work with and have compiled answers for you.

 

Do you need health insurance?

 

Insurance Provider Adult Student Cover Abroad
ALC Prima Plans 

Can offer cover to dependent children up to the age of 24 in full time education providing that one parent is covered.

 

APRIL My Health 

Can offer cover to dependent children up to the age of 22 in full time education providing that one parent is covered. Proof of full time studies must be submitted.

 

APRIL

Ma Sante Internationale

(France, offshore plan)

 

Can offer cover to dependent children if:

  •  The child is under 21, unmarried and financially dependent
  •  The child is under 28, in full time education and living in the same insurance coverage zone as the parents.

If however the zone is different from the parents, you must notify April and an extension will be added to the certificate of insurance.

 

BUPA Global plans 

Can offer cover to dependent children under the parents’ policy.

There is no age limit.

WOW! We have doubled checked and this means a 60+ year old parent can keep a 30+ child under the policy. No questions asked.

 

CIGNA Global plans 

Does not offer cover to dependent children under the parents’ policy if they are adults. All adults must hold their policy.

 

HENNER

(France, offshore plan)

 

Can offer cover to dependent children if:

  • The child is under 21 and living at the main Member’s home; or
  • The child is under 28, in full time education and iving at the main Member’s home (an updated school certificate must be submitted each year).

If however, the parents’ cover is in combination to the Caisse des Français de l’Etranger, the adult child in full time education can only be covered until the day before their 20thbirthday. An updated school certificate must be submitted each year.

 

MSH Expat’ First plans

(France, offshore plan)

 

 

 

Can offer cover to dependent children if:

  • The child is under 20;
  • The child is under 26 and in full time education (an updated school certificate must be submitted each year).

If however, the parents’ cover is in combination to the Caisse des Français de l’Etranger, the adult child in full time education can only be covered until the day before their 20thbirthday.

 

NOW HEALTH

WorldCare plans

 

 

 

Can offer cover to dependent children up to the age of 26 in full time education providing that one parent is covered. Proof of full time studies must be submitted.

However Now Health cannot cover members residing in certain countries such as Canada and USA.

 

 

If none of the above applies to you and you would like to purchase cover for your adult child, you can get an individual international medical insurance based on where your child studies.

Bear in mind that your child has to be the policy holder but that the insurance premium can be paid by either your child or the parent.

 

 

Looking for health insurance? Contact AD MediLink now at hello@admedilink.hk or +852 2296 9773 to receive a free quote and expert advice. Advisors uniquely trained on the Hong Kong healthcare system will be in touch to answer all your enquiries concerning both the public and private sectors.

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This article was independently written by AD MediLink and is not sponsored. It is informative only and not intended to be a substitute for professional advice and should never be relied upon for specific advice.