Manage your cover

Well, you can!

How do I add someone to my cover?

Simply call us on 1800 808 690. We’re open 8:30 am–5:00pm AEST Monday to Friday.

Can’t call us during business hours? We’re available online using contact us.

Will I need to pay more?

Your cover Adding a child Adding a partner







Single Parent






Will waiting periods apply?

When you call us we can give you accurate information about any waiting periods that may apply. The good news is that if your child or partner transfers from another health fund we’ll make sure we recognise any waiting periods they’ve already served if you switch within 30 days!

Read more about waiting periods and pre-existing conditions.

Do newborn babies need to serve waiting periods?

Newborns don’t need to serve waiting periods if you’ve already served your waiting periods and you add them to your cover before they’re 12 months old.

Not convinced?

Your kids and partners get a 30-day cooling-off period. So, if they change their minds about the cover, just let us know within 30 days of joining and you'll get a full refund of any premiums paid (as long as they haven't made any claims in that time, of course).

Just enter some of your basic details here and you’re on your way.

You’ll always be able to find the green login button at the top right of your screen. To save you scrolling up, here’s the page you need.

Our mobile app makes it easy to take control of your health cover. Check your cover details, view your extras limits, claim, make a payment and a whole lot more. Get the app here

You can change or upgrade your cover any time you like, just call us on 1800 808 690. 

If you’re unsure what the right level of cover is for you, you can use our Help Me Choose tool on the website to compare our cover options, or you can call our health cover experts to discuss your cover options.  

If you’re upgrading your cover, you will have waiting periods for services you weren’t covered for before. 

Through the Peoplecare mobile app

Our mobile app makes it easy to take control of your health cover. Check your cover details, view your extras limits, claim, make a payment and a whole lot more. Get the app here.

Set up regular direct debits

The easiest way to pay your premiums is through a regular direct debit from your account. This makes sure your membership is kept up to date and you don’t have to remember to make your payments because they come out of your account automatically on the day you choose.

It's easy to set up your direct debit in the Peoplecare app or in Online Member Services.

Set up direct debit here.

Other payment options

Pay by credit card online or over the phone, BPay or cheque.

Make a one-off payment

You can also make credit card payments through the Peoplecare mobile app or our Online Member Services to pay your cover’s outstanding balance or to a date in the future. We have a helpful calculator so you can check what date a payment will take you up to and how much you need to prepay to reach a certain date.

Log in here to make a payment

Call us on 1800 808 690 with the student number and place of study and we'll fix it for you.

You’re covered on your parents’ cover until you’re 21, or 25 if you’re studying full time (as long as you’re not married or in a de facto relationship).

If you’re 21 and not studying full time, you can stay on your parents’ cover until you’re 25 for an extra 30% premium. This is called Family Plus Cover.

Your kids between 18 and 21 can stay on your Peoplecare family cover regardless of whether they’re working or not.

You can keep full-time students on your family cover until they’re 25 for no extra cost if you register them each year for both semesters (or only the first semester if that’s the only one that applies) by the end of February 2024.

How to register

Details you’ll need:

  • Name of educational institution
  • Course
  • Student ID number
  1. Complete this short form
  2. Open our fabulous app Larry
  3. Click ‘Submit document’
  4. Attach the form and click ‘Submit’

Did you know?

If your kid isn’t studying full-time, they can still stay on your family cover until they’re 25 for an extra 30% of the cost (or a bit less, depending on the type of cover you have). It’s called Family Plus cover, and all you need to do is give us a call or email and we’ll get it sorted for you.