How long can a child be on their parents insurance

How Long Can You Stay On Your Parent’s Health Insurance? – Forbes Advisor

Published: Nov 2, 2022, 7:00am

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If you have health insurance through your parents, you can typically stay on their plan until you turn age 26, though there are exceptions.

Losing your parent’s health insurance doesn’t mean you should forgo coverage, but that’s what many 26-year-olds decide. The U.S. Census says 18% of 26-year-olds are uninsured, which is nearly 4 percentage points higher than 25-year-olds, and is the highest uninsured rate of any age.

There are plenty of ways to get your own health insurance once you turn 26, including through your employer, a subsidized plan through the Affordable Care Act (ACA) marketplace or a government program like Medicaid.

How Long Can You Stay on Your Parent’s Insurance?

Young adults are allowed to stay on a parent’s health insurance policy until they turn 26, according to the Affordable Care Act (ACA). In most cases, you can remain on your parent’s health insurance plan even if you:

• Get married
• Give birth or adopt a child
• Start or leave school
• Live elsewhere
• Aren’t claimed as a tax dependent by your parents
• Can qualify for employer-sponsored coverage at a job

Depending your parent’s health insurance, you may lose coverage the moment you turn 26, the end of that month or the end of that calendar year. If your parents have health insurance through their employer, you could be removed as a dependent on your 26th birthday (but it depends on the state and plan).

If your parent’s coverage is through the ACA marketplace, you won’t lose coverage right away. You can remain on a parent’s ACA health insurance plan through Dec. 31 of the year you turn 26. That means if you turn 26 in the middle of the year, you will still have coverage until the end of that year.

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How Can I Stay on My Parent’s Health Insurance Until I’m 30?

Some states, like New York and Florida, allow young adults to stay on a parent’s health insurance plan until age 30. Many states also allow disabled dependents to remain on their parent’s health plan indefinitely.

Each state has its own requirements for children over age 26 who want to stay on their parent’s health insurance. Below are the states that allow dependent children to stay on a parent’s health insurance past age 26 and the eligibility requirements.

States where you can stay on your parent’s insurance past age 26

Florida	30	Children must be unmarried and have no dependents of their own, and live with their parents or are students.
Georgia	No age limit	Disabled dependents not capable of self-sustaining employment can stay on their parents’ health insurance indefinitely.
Idaho	No age limit	Disabled dependents can stay on their parents’ health insurance indefinitely.
Illinois	30	Applies to veterans only.
Indiana	No age limit	Disabled dependents not capable of self-sustaining employment can stay on their parents’ health insurance indefinitely.
Iowa	No age limit	Disabled dependents and full-time students can stay on their parents’ health insurance indefinitely.
Massachusetts	No age limit	Disabled dependents not capable of self-sustaining employment can stay on their parents’ health insurance indefinitely.
Minnesota	No age limit	Disabled dependents can stay on their parents’ health insurance indefinitely.
Missouri	No age limit	Disabled dependents not capable of self-sustaining employment can stay on their parents’ health insurance indefinitely.
Nevada	No age limit	Disabled dependents not capable of self-sustaining employment can stay on their parents’ health insurance indefinitely.
New Jersey	31	Children must be unmarried and have no dependents of their own.
New York	30	Children must be unmarried and a resident of New York. There is no age limit for unmarried, disabled dependents not capable of self-sustaining employment.
Ohio	No age limit	Disabled dependents not capable of self-sustaining employment can stay on their parents’ health insurance indefinitely.
Oregon	No age limit	Disabled dependents can stay on their parents’ health insurance indefinitely.
Pennsylvania	30	Children must be unmarried, have no dependents of their own, and be a Pennsylvania resident or a full-time student.
Rhode Island	No age limit	Disabled dependents can stay on their parents’ health insurance indefinitely.
South Carolina	No age limit	Disabled dependents not capable of self-sustaining employment can stay on their parents’ health insurance indefinitely.
South Dakota	29 or no age depending on situation	Full-time student until the age of 29. Disabled dependents not capable of self-sustaining employment can stay on their parents’ health insurance indefinitely.
Wisconsin	27	Children must be unmarried and don’t have the option to get health insurance through their employer.
Source: National Conference of State Legislatures

Health Insurance Options for 26-year-olds

There are multiple health insurance options if you’re losing your parent’s health insurance coverage. Your coverage options after age 26 depends on factors like your employment status, income and budget.

Health insurance through an employer

One of the easiest ways to get health insurance as a 26-year-old is through your employer if your company offers group health insurance as an employee benefit.

One of the biggest benefits of group health insurance is that it’s usually more affordable than an individual health plan unless that plan is heavily subsidized. In most cases, your employer pays a large portion of the monthly premium (or the entire premium), and the rest gets taken out of your paycheck.

Companies pay an annual average of $6,440 for single coverage premiums, while employees pick up $1,299 a year on average, according to the Kaiser Family Foundation. That’s an average of $108 a month.

Health insurance through the ACA marketplace

When the Affordable Care Act (ACA) was passed in 2010, it led to the formation of the health insurance marketplace, where individuals and families can compare available health insurance plans. You can also qualify for premium tax credits and subsidies to reduce your costs if your income is below 400% of the federal poverty level. That’s $54,360 for an individual, $73,240 for a couple and $92,120 for a family of three.

Without those subsidies, ACA marketplace plans can be costly. The average unsubsidized ACA plan costs $386 monthly for a 27-year-old and $412 for a 30-year-old.

Most adults can only enroll in a marketplace plan during open enrollment, which is Nov. 1 to Jan. 15 in most states. Turning 26 and losing coverage through a parent is a qualifying life event that also allows you to purchase a plan via a special enrollment period (SEP) at any point during the year.

Health insurance outside the ACA marketplace

It’s possible to purchase health insurance outside the ACA marketplace, directly through a health insurance company. Some insurance companies sell individual health insurance plans directly to consumers. The same health plans may or may not be available through the marketplace, too.

Finding a health insurance company that sells private individual plans can be challenging. You may need to work with an insurance broker to find a company that sells private health insurance policies in your state. But you can’t qualify for premium tax credits and subsidies if you buy a plan outside the ACA marketplace.

Catastrophic health insurance

Catastrophic health insurance plans can be an affordable way for young adults to get health insurance after age 26. These plans are sold through the health insurance marketplace.

Catastrophic plans aren’t available to everyone. Catastrophic health plans are only for people under age 30, or people over age 30 who have a hardship exemption or affordability exemption and can’t afford a marketplace or job-based plan.

Catastrophic health plans have low premiums, but the deductibles are extremely high. You must meet your deductible before your plan will start covering certain medical services, so you end up paying for most of your medical care out-of-pocket. On the plus side, some routine and preventative care is covered for free before your deductible is met.

The average monthly cost for catastrophic health insurance is $247 for a 27-year-old and $267 for a 30-year-old.

COBRA health insurance

COBRA health insurance, which is an acronym for the Consolidated Omnibus Budget Reconciliation Act, is a federal law that allows you to keep your group health insurance plan if you experience certain life events, such as getting laid off. Examples of qualifying events include:

• Losing your job (voluntary or involuntary)
• Leaving your job
• Reduction in the number of hours you work
• Losing coverage through death or divorce

COBRA usually allows you to keep your health benefits for 18 or 36 months, but it depends on the qualifying event. Not all group health insurance plans are COBRA-eligible, such as health plans from small employers.

The premiums can be very expensive since COBRA premiums aren’t subsidized. You instead usually pay the full monthly premium yourself. For instance, using the average $7,739 annual cost for overall premiums for single coverage in the employer-sponsored health insurance market, you would pay an average of $645 monthly with no help from the employer and that doesn’t include a 2% administrative fee that the COBRA law allows.

Medicaid

Medicaid is a health insurance program that is jointly funded by states and the federal government. Medicaid benefits are available to low-income individuals and families, pregnant women and people with disabilities. If you meet the income requirements in your state, you can apply for Medicaid through the health insurance marketplace or your state’s Medicaid agency. Medicaid costs are based on household income.

Medicaid plans cover a variety of medical services, including hospitalization, doctor’s visits, diagnostic testing and imaging, home health services, prescription drugs and physical therapy. All Medicaid plans provide dental coverage for children under 21, but not all plans have dental coverage for adults.

Short-term health insurance

Short-term health insurance can help you get temporary coverage during a transitional period, like turning 26 and losing coverage through your parents, or waiting to start a new full-time job with health benefits.

Short-term health insurance can be a cheap option for people who don’t expect many health care needs, but there are a few downsides. Pre-existing conditions aren’t usually covered, deductibles are usually high and short-term health plans often don’t cover many services that are basic in an ACA plan like prescription drugs and mental health.

Health insurance cost comparison for 27-year-olds

Employer-sponsored health plan	$108
Catastrophic health insurance	$247
Unsubsidized ACA health plan	$386
COBRA health insurance	$645
Employer-sponsored and COBRA plans don’t base costs on age, so these averages are overall for group coverage. The COBRA average doesn’t include a possible 2% administrative fee.

When a 26-year-old Needs to Apply for Their Own Health Insurance Plan

If you’re currently on your parent’s’ health insurance plan and are about to turn 26, you’ll need to start applying for your own health plan unless you’re in a state that allows you to stay on the plan longer.

One exception is if your parents get coverage through the ACA marketplace. In that case, you have until the end of the calendar year to get other health insurance.

If you enroll in your own marketplace plan during open enrollment, you must apply before the end of the year to get coverage starting Jan. 1 of the following year. For example, you must enroll in a marketplace plan by Dec. 15 to get coverage that starts on Jan. 1.

It’s a different story if your parents’ have group health insurance through their employer. In that case, you may lose coverage when you reach age 26 or at the end of the month when you turn 26. In this case, you can qualify for a special enrollment period, which gives you 60 days after you lose coverage to enroll in your own marketplace plan.

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How to Compare Health Insurance Plans

Purchasing your own health insurance plan for the first time can be challenging, especially if you’re unfamiliar with the plan types, terminology and cost structure. Once you have a general understanding of how health insurance works, you can compare providers to find the best option for your needs.

When you get a plan, you’ll pay a monthly health insurance premium, which is the cost of having a health plan. Most plans also have out-of-pocket costs, like a deductible, coinsurance and copayments. Plans with higher premiums usually have lower out-of-pocket costs, meaning your insurance company pays more of your qualifying medical expenses.

If you’re looking to spend less on health insurance and don’t expect to have many health care needs, a high-deductible health plan (HDHP) may be a wise decision. On the ACA marketplace, Bronze plans typically have the highest out-of-pocket costs and lowest premiums, so they might be a good bet.

Related: Bronze, Silver, Gold or Platinum Health Insurance

Most health insurance plans work with a network, which is a large group of doctors, specialists (like dermatologists and cardiologists) and hospitals. Depending on your health insurance plan, you may only get coverage for medical services received in-network.

Preferred provider organization (PPO) plans allow you to go out-of-network, but you may pay higher premiums and more for out-of-network care than in-network care.

Some plans like health maintenance organization (HMO) plans require you to work with a primary care provider and get a referral to see a specialist.

There are many different health insurance plans available. Here are some of the most common plans and their key features:

• HMO: An HMO limits coverage to in-network providers and requires a referral to see a specialist. These are often cheaper than PPOs.
• PPO: A PPO allows you to get care in-network or out-of-network (usually at a higher cost), and referrals are not required.PPOs are often the most expensive types of health plans because they offer fewer restrictions.
• EPO: An exclusive provider organization (EPO) plan only allows you to get coverage in-network, and you must get a referral to see a specialist. EPOs are similar to HMOs, but EPOs typically have a larger network.
• POS: A point of service (POS) plan lets you visit doctors in-network or out-of-network, but referrals are required if you want to see a specialist.

Regardless of the type of plan, emergency services are always covered, and you won’t be charged more for going to an out-of-network hospital or clinic for emergency care.

How Long Can You Stay on Your Parent’s Insurance FAQ

Can you have two health insurances?

Yes, it’s possible to have two health insurance plans. For example, if you’re under age 26 and your parents cover you in two separate plans, one acts as the primary plan and the other acts as the secondary plan.

When you receive medical care, the primary insurance company submits the claim, and the secondary insurance company covers its portion (if the medical service is covered). Having two health insurance plans doesn’t provide double the benefits.

You don’t get to choose which plan is primary and which one is secondary. The health insurance companies’ coordination of benefits decides which plan is primary and which is secondary. That includes the so-called birthday rule when both parents cover you on separate plans. In that case, the health plan of the parent with the earlier birthday within the calendar year is considered primary.

Can I have my own insurance and be on my parent’s policy at the same time?

Yes, you can have your own health insurance plan while staying on your parents’ policy. This is called having dual coverage.

If you have two health insurance plans, one health plan is designated as the primary plan and the other is the secondary plan. If you have your own insurance, that policy is usually the primary plan and your parents’ plan is the secondary plan.

Can I stay on my parents insurance if I file taxes independently?

If you file your taxes independently, you’re still allowed to stay on your parent’s health insurance plan until age 26 (or the age limit in your state). Your ability to stay on your parents’ health insurance is only based on your age and is separate from your tax filing status.

Is health insurance mandatory?

Health insurance is not mandatory at the federal level. Prior to 2018, uninsured individuals paid a tax penalty, but that’s no longer in effect.

But there are states that require health insurance. Residents of California, District of Columbia, Massachusetts, New Jersey, Rhode Island and Vermont are mandated to maintain health insurance coverage throughout the year per individual state laws.

Do young people need health insurance?

All young people can benefit from health insurance. Even when you’re young and healthy, accidents can still happen.

Between routine care, like vaccines and annual checkups, and potentially more serious situations, like an unexpected trip to the emergency room, paying for your medical expenses without insurance can get very expensive.

Health insurance plans help you pay for these expenses and provide financial peace of mind. If you needed surgery or wound up in the hospital, your health insurance plan would cover a large portion of the bill once you reach your deductible. That can help you avoid medical debt.

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How Long Can You Stay on Your Parent's Insurance?

Under current laws, you can stay on your parent’s health insurance policy until you turn 26 years old.

In some states, it’s even longer.

When the time comes for you to get your own insurance, it’s important to know what your health insurance choices are and how to choose the right plan.

It can be a confusing topic, and sometimes it is difficult to know what your best options are.

This article breaks down what you need to know about your health insurance options, how to choose a plan that’s right for you, and if you even need insurance.

When You Lose Health Insurance Through Your Parents

Currently, the Affordable Care Act (ACA) requires your parent’s insurance plan to cover you until your 26^th birthday.

You qualify for coverage under your parents even if you are:

• Married
• Attending school
• Not living with your parents
• Not financially dependent on your parents
• Eligible to enroll in your employer’s plan

If your parents have their insurance plan through an employer, you usually have coverage until the end of your birthday month.

Check with your individual plan to know for sure, as some states and plans have different rules.

If your parents have a Marketplace insurance plan, you have until December 31^{of the year you turn 26 to get your coverage.}

States with an extended age limit

Some states have an extended age limit to remain on your parent’s policy if you meet specific criteria. 

To be eligible for extended dependent coverage, you typically can’t be eligible for any other form of comprehensive health coverage.

For example, if you are eligible for your own employer’s health insurance, you may not be able to extend your parent’s coverage. (This does not apply to individuals who have a disability.)

Following are the states that offer exceptions; however, laws are always subject to change, so check with your own state’s laws.

Health Insurance Options

If you are about to age out of your parent’s insurance policy, you have a few options to choose from.

If you or your spouse are currently employed full-time, you may be able to get health insurance coverage through an employer.

You must request special enrollment within 30 days of your loss of coverage.

Health insurance marketplace

For individual coverage, you may qualify for special enrollment through the Health Insurance Marketplace.

To purchase a Marketplace plan, you must special enroll within 60 days of aging out of your plan. You can find more information here.

You may even qualify for subsidies that can make your coverage more affordable.

COBRA

If your parent’s employer sponsors 20 or more employees on its plan, you may be eligible to purchase a temporary extension of health coverage for up to 36 months under the Consolidated Omnibus Budget Reconciliation Act (COBRA).

Be sure to notify your parent’s employer in writing within 60 days before you turn 26 if you want to elect COBRA coverage.

Medicaid

If you apply for insurance through your state health insurance marketplace, you will be asked to enter your income amount.

Depending on how much you make per year, you may qualify for your state’s Medicaid program.

If you are currently attending a university as a full-time student, you may be able to get health coverage through your school’s insurance policy.

This is a great option for graduate students who are getting older and aging out of their parent’s plan.

Check your symptoms using K Health and talk to a medical provider for a low cost.

Choosing the Right Health Insurance

The health insurance plan you choose depends somewhat on your health status.

If you are in good health and don’t require monthly prescriptions or need to have a procedure done, you will want a different plan than someone who does.

Types of plans

Here are the most common types of health insurance plans.

Exclusive provider organizations (EPO): An EPO plan requires you to seek healthcare services from doctors and hospitals within their defined network if you want your costs to be covered, with exceptions for emergency care.

Health maintenance organizations (HMO): HMO plans typically contract with doctors within a specific area to provide services, including preventative measures. Except for an emergency, this type of plan only covers the cost of services provided by in-network healthcare providers.

Point of Service (POS): POS plans offer reduced-cost physician and hospital care when you seek care from their in-network providers. If you need an appointment with a specialist, you’ll need to get a referral from your primary care physician.

Preferred provider organization (PPO): With a PPO, you pay less for healthcare services when you only use in-network providers. This plan does not require a referral to see a specialist.

Marketplace: The health insurance Marketplace offers a few different levels of coverage plans. The plans are broken down by tier:

• Gold and Platinum: These plans have the most expensive premiums (monthly payments), but they also have the lowest deductibles (the amount you need to pay out of pocket). This means you will have access to coinsurance benefits quickly. If you are in great health, this policy might end up costing more compared to the benefits you will receive. However, if you require monthly medications, this plan would be a great money-saving plan for you.
• Silver: These plans have average premiums, deductibles, and out-of-pocket maximums. It is more expensive than the cheapest plan, but it’s a great plan if you are preparing to start a family. In addition, Silver plans offers cost-sharing discounts if your income is below 250% of the federal poverty level.
• Bronze: These plans have low premiums and high deductibles but are only available for people under 30. If you are eligible for subsidies, you can apply them to get a Bronze plan for a low monthly rate. This type of plan is good if you don’t think you’ll have many medical expenses throughout the year.
• Catastrophic: These plans are also only available for people under 30. They are the cheapest plans available on the Marketplace, but they have the highest deductibles and out-of-pocket maximums. This type of cheap plan is great if you are healthy and don’t expect to have substantial medical costs. You cannot apply subsidies to Catastrophic plans.

Costs

Whatever plan you choose, there is a required monthly premium (how much you pay for the plan each month).

If you don’t require any medical care, your premium is the only payment you can expect.

However, if you do require healthcare services, you will have to pay other costs as well.

• Deductible: This is the amount of money you pay out of pocket before the benefits of the policy start covering costs. For example, if you have a deductible of $2,000, you will need to pay the first $2,000 of any healthcare bills yourself before your insurance starts to pay.
• Copayment: Also called a copay, the copayment is typically a fixed cost for a service (e. g., $25 to see your primary care physician). Once the deductible has been met, you will only be asked to pay your copay when you visit your doctor.
• Out-of-pocket maximum: This is the maximum amount of money you will pay out of your own pocket for healthcare services in a single year. Until you reach this maximum, you are responsible for all of the out-of-pocket costs.

Check your symptoms using K Health and talk to a medical provider for a low cost.

Do I Need Health Insurance?

If you are healthy, you might think that you don’t need health insurance coverage.

But consider that accidents happen all the time, and healthcare services can be expensive without the help of insurance.

According to the U.S. Centers for Medicare and Medicaid Services, the average hospital stay can cost $10,000 per day.

While that may be an extreme case, injury and illness can come as a surprise, and signing up for health insurance is one simple way to help avoid high medical bills if an issue does arise.

It’s always best to plan ahead—you’ll be happy you did.

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• Why Bother with Health Insurance? (n. d.)
  https://www.healthcare.gov/young-adults/ready-to-apply/

• Young Adults and the Affordable Care Act: Protecting Young Adults and Eliminating Burdens on Businesses and Families. (2020.)
  https://www.cms.gov/CCIIO/Resources/Files/adult_child_fact_sheet

• How to Get or Stay on a Parent’s Plan. (n.d.)
  https://www.healthcare.gov/young-adults/children-under-26/

• Health Insurance Marketplace. (n.d.)
  https://www.healthcare.gov/glossary/health-insurance-marketplace-glossary/

• The 2021 Florida Statutes. (2021.)
  http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&Search_String=&URL=0600-0699/0627/Sections/0627.6562.html

• Life Events – Child Turns 26. (n.d.)
  https://team.georgia.gov/life-events-child-turns-26/

• Idaho Statutes. (2021.)
  https://legislature.idaho.gov/statutesrules/idstat/title41/t41ch31/sect41-2103/

• Dependent Coverage. (2017.)
  https://www2.illinois.gov/cms/benefits/trail/state/Pages/AddingaDependent.aspx

• Eligibility requirements to enroll. (n.d.)
  https://www.in.gov/spd/benefits/eligibility/eligibility-requirements-to-enroll/

• Section 108. (n.d.)
  https://malegislature.gov/Laws/GeneralLaws/PartI/TitleXXII/Chapter175/Section108

• Family Eligibility. (n.d.)
  https://mn.gov/mmb/segip/family-eligibility/

• Title XXIII Corporations, Associations and Partnerships. (2008.)
  https://revisor.mo.gov/main/OneSection.aspx?section=354.536

• Chapter 689b - Group and Blanket Health Insurance. (n.d.)
  https://www.leg.state.nv.us/NRS/NRS-689B.html#NRS689BSec035

• Coverage of Young Adults in New Jersey Up to Age 31. (n.d.)
  https://www.state.nj.us/dobi/division_consumers/du31.html#du31

• Coverage Expansion Through Age 29. (n.d.)
  https://www.dfs.ny.gov/consumers/health_insurance/faqs_age29_young_adult_option

• Disabled Dependent 26 Years of Age or Older. (2018.)
  http://www.cs.ny.gov/employee-benefits/hba/shared/manuals/pa/pdfs/2.3_disabled_dependent_26_or_older.pdf

• Section 1751. 14. Termination of coverage of child. (2016.)
  https://codes.ohio.gov/ohio-revised-code/section-1751.14

• Eligibility and Dependent Eligibility. (2022.)
  https://www.oregon.gov/oha/OEBB/Pages/Eligibility.aspx

• Senate Bill No. 189. (2009.)
  https://www.legis.state.pa.us/CFDOCS/Legis/PN/Public/btCheck.cfm

• Chapter 41. Health Maintenance Organizations. (2012.)
  http://webserver.rilin.state.ri.us/Statutes/TITLE27/27-41/27-41-61.HTM

• Title 38 - Insurance. (2019.)
  https://www.scstatehouse.gov/code/t38c071.php

• 58-17-2.3. Dependent coverage termination--Age--Full-time students. (2011.)
  https://sdlegislature.gov/Statutes/Codified_Laws/2074932

• 58-17-30. 1. Continuation of coverage for child with intellectual or physical disability--Proof of dependency. (2013.)
  https://sdlegislature.gov/Statutes/Codified_Laws/2074966

• 632.885. Coverage of dependents. (2011.)
  https://docs.legis.wisconsin.gov/statutes/statutes/632/vi/885

• Young Adults and the Affordable Care Act: Protecting Young Adults and Eliminating Burdens on Businesses and Families FAQs. (n.d.)
  https://www.dol.gov/agencies/ebsa/about-ebsa/our-activities/resource-center/faqs/young-adult-and-aca

• Enroll in or change 2022 plans — only with a Special Enrollment Period. (n.d.)
  https://www.healthcare.gov/coverage-outside-open-enrollment/special-enrollment-period/

• Subsidized Coverage. (n.d.)
  https://www.healthcare.gov/glossary/subsidized-coverage/

• COBRA Continuation Coverage Questions and Answers. (n.d.)
  https://www.cms.gov/CCIIO/Programs-and-Initiatives/Other-Insurance-Protections/cobra_qna

Article 7. The right to insurance coverage \ ConsultantPlus

Article 7. The right to insurance coverage

Prospects and risks of disputes in a court of general jurisdiction. Situations related to Art. 7

- The citizen does not agree with the refusal to assign insurance payments in connection with the death of a person due to an accident at work or an occupational disease

1. The right of the insured to insurance coverage arises from the day the insured event occurs. nine0003

2. The following have the right to receive a lump sum insurance payment in the event of the death of the insured as a result of an insured event: but not longer than until they reach the age of 23;

parents, spouse of the deceased;

disabled persons who were dependents of the deceased or had the right to receive maintenance from him by the day of his death; nine0003

other family member of the deceased, regardless of his ability to work, who does not work and is engaged in caring for his dependent children, grandchildren, brothers and sisters who have not reached the age of 14 or have reached the specified age, but according to the conclusion of the federal institution of medical and social expertise (hereinafter - the institution of medical and social expertise) or a medical organization recognized as needing outside care for health reasons.

N 413-FZ)

(see the text in the previous edition)

2.1. The following persons have the right to receive monthly insurance payments in the event of the death of the insured as a result of an insured event: until they reach the age of 23;

child of the deceased, born after his death;

one of the parents, spouse or other family member, regardless of his ability to work, who does not work and is busy caring for the dependent children of the deceased, his grandchildren, brothers and sisters who have not reached the age of 14 years or have reached the specified age, but according to the conclusion of an institution of medical and social expertise or a medical organization recognized as needing outside care for health reasons; nine0003

other disabled persons who were dependents of the deceased or had the right to receive maintenance from him by the day of his death, as well as persons who were dependents of the deceased who became disabled within five years from the date of his death.

(Clause 2.1 was introduced by Federal Law No. 413-FZ of December 2, 2019)

2.2. In the event of the death of the insured, one of the parents, spouse or other family member of the insured, who is unemployed and takes care of the children, grandchildren, brothers and sisters of the deceased and became disabled during the period of care, retains the right to receive monthly insurance payments after the end of care by these persons. nine0003

(Clause 2.2 was introduced by Federal Law No. 413-FZ of 02.12.2019)

(see the text in the previous wording)

minors - until they reach the age of 18 years;

students over 18 years of age - until full-time education, but not more than 23 years of age;

(as amended by Federal Law No. 185-FZ of July 2, 2013)

(see the text in the previous edition)

women over 55 years of age and men over 60 years of age - for life;

disabled persons - for the period of disability;

to one of the parents, spouse or other family member, unemployed and busy caring for the dependent children, grandchildren, brothers and sisters of the deceased - until they reach the age of 14 or change their health status.

4. The right to receive insurance payments in the event of the death of the insured as a result of an insured event may be granted by a court decision to disabled persons who had earnings during the life of the insured, in the event that part of the earnings of the insured was their permanent and main source of funds for existence. nine0003

5. Persons whose right to receive compensation for harm was previously established in accordance with the legislation of the USSR or the legislation of the Russian Federation on compensation for harm caused to employees by injury, occupational disease or other damage to health associated with the performance of their labor duties, receive the right to on insurance from the date of entry into force of this Federal Law.

"Cooling off period" in insurance - Bank of Russia

Life insurance

Accident and illness insurance

Property insurance

Civil liability for damages

Transport insurance (casco) and responsibility of vehicle owners

Voluntary medical insurance (VMI)

Financial risk insurance

Which insurance contracts cannot be cancelled?

Possible risks

Be careful if you want to refuse additional life insurance, which is often offered with a mortgage loan, or from a comprehensive insurance policy in addition to a car loan. With the help of such insurance, the bank reduces its risks, and this gives it the opportunity to offer you more favorable loan terms. nine0003

Therefore, it may be stipulated in your contract that in case of refusal of additional insurance, even during the “cooling off period”, the interest rate on the loan will increase or the contract may even be terminated in court.

• Travel insurance

  You cannot cancel the insurance you buy for traveling to another country to cover possible medical expenses.

  nine0100

• Green Card

  It is impossible to return money for refusing the Green Card. This policy has its own termination conditions - so read the contract carefully.

• Professional liability insurance

  The contract is not terminated if without this type of insurance you are not allowed to work in the profession (auditor, notary, etc. ). nine0003

• Insurance for foreigners

  You cannot refuse medical insurance for a “cooling off period” if you do not have Russian citizenship and you entered into a medical insurance contract in order to obtain a work permit or a patent.

I don't need the insurance I bought, what should I do? nine0003

First, determine if your insurance falls under the “cooling off period”: what type of insurance it is and how many working days have passed since the conclusion of the contract. Assess the possible risks if this insurance is one of the terms of the loan agreement.

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Insurance is covered by the rule, but I signed the contract more than 14 days ago. How to be?

14 days is the minimum duration of the “cooling off period”. The insurance company may set a longer period, but it must necessarily prescribe the conditions of the "cooling off period" in the insurance rules or in the contract. Reread these documents or check with the company. When the "cooling off period" of your insurance ends, the money will not be returned to you, unless it is additionally stipulated in the contract. nine0003

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The insurance falls under the rule and the terms are suitable, but the insured event has already occurred. Is the rule still in effect?

No, if your insurance is already valid and an insured event has occurred, the money will not be returned to you.

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My insurance is the exception to the rule. Can't I get my money back?

An insurance contract that does not fall under the “cooling off period” rule is terminated on general terms. They are established by the Civil Code of the Russian Federation. Article 958 states that in case of cancellation of the insurance contract, the premium is not returned, unless the contract itself provides otherwise. Therefore, we advise you to carefully read the conditions when you purchase insurance.

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How much money will I get back?

It depends on whether your contract has started or not. If the insurance is not yet valid, you will be refunded the full cost of the policy. Otherwise, a part covering the past days of the insurance validity will be deducted from the amount. We repeat: each company must specify the return conditions in the contract or insurance rules. nine0003

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My contract is subject to a rule and has not yet expired. How to file a waiver?

It's simple. Submit a written statement of refusal to the company from which you bought insurance. This is a prerequisite - a call to the company will not be enough. You can personally come to the office or send documents by mail - choose what is more convenient for you.

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What does this application look like and where can I find it?

The application form is free. Some companies have made opt-out forms for the convenience of customers. If the company has such a form, you will be given it during a personal visit to the office. But this is not a prerequisite, you must also accept the application not on the form. nine0003

More details

Do I need to bring anything other than my application?

Don't forget to take your passport or other identification document with you. If it is not you personally who refuse the insurance, your representative must have a notarized power of attorney. Many companies will ask you to present the original insurance contract and a receipt for its payment. And you may need bank details to receive money.

More details

I will write a refusal, but when will the insurance expire? nine0003

On the same day the company receives the refusal, the contract is terminated and the insurance ceases to be valid.

More details

How and when will I get my money back?

You must return the money within 10 working days from the date of receipt of a written refusal. You yourself choose how the money will be returned to you: in cash at the cash desk of the office you applied to, or by bank transfer. Then you will be asked for bank details.

Learn more

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