The more the merrier?

BUYING A STANDALONE POLICY If Ava has lower health cover needs, she could take out a standalone Medibank Bronze Everyday ($750 excess) and Essential Extras policy instead of joining the family policy. Given that a single policy usually costs about 50% of a family policy, it's smart to keep your kids on your family policy while there's no additional cost. Cost of family policy: $7979* Cost of extended family policy (including Ava): $10,010* Additional cost to include Ava: $2031 per year (without the health insurance rebate). [Extracted from the article]