Adding, Updating and Removing Members' Dependents
A dependent includes a spouse, child or dependent post-secondary student.
“Spouse” with respect to another person means a resident of B.C. who is married to or is living and cohabiting in a marriage-like relationship with the applicant and may be of the same gender as the applicant.
"Qualifying Spouse", in relation to an eligible person, means a beneficiary who:
(a) is the spouse of the eligible person, and
(b) is not a minor or a dependent post-secondary student.
“Child”, for the purpose of determining who may be included on a member’s premium account, means a resident of B.C. who:
(a) is a child of a beneficiary or a person in respect of whom the beneficiary stands in place of a parent,
(b) is a minor,
(c) does not have a spouse, and
(d) is supported by the beneficiary.
"Dependent post-secondary student", for the purpose of determining who may be included on a member's premium account, means a resident of BC who is:
(a) older than 18 and younger than 25 years of age,
(b) in full-time attendance at a recognized post-secondary institution, and
(c) supported by a beneficiary who is the person's parent or who stands in place of the person's parent.
A dependent post-secondary student may include a student enrolled in full-time studies at a trade school, technical school or high school.
All dependents must be residents of British Columbia to qualify for provincial health care benefits. Please refer to Eligibility and Enrolment for the definition of a resident.
Coverage for Established Residents
Spouse – is eligible as of the date of marriage.
Newborn – is eligible as of the date of birth.
Student age 19 to 24 – if coverage is required, is eligible for coverage under the parent’s plan on the first day of the month of enrolment at school or university. For studies outside of B.C., please see “Attending School Outside British Columbia” below.
Adopted Child – if adopted within Canada the child is eligible from the date of adoption. A copy of the Notice of Placement from the adoption agency is required. If being adopted from outside Canada the child is generally eligible on the date of arrival in British Columbia. A copy of the child’s immigration document and a letter from the Director of Adoptions, Ministry of Children and Family Development, to Citizenship and Immigration Canada (either a letter of no objection or a Hague letter) is required. If the child is being adopted from the United States and arrives in B.C. before an immigration document has been issued, the parents should include a note to this effect, and a copy of the letter described previously.
Guardianship - if requesting addition of a child who is not the beneficiary’s child, HIBC requires a photocopy of a legal document indicating guardianship to determine eligibility as a dependent. This information must be sent with a Group Change Request form.
Common-law Spouse – is eligible on the first day of the month requested by the beneficiary.
Note: when an effective date for a dependent is on the second day of the month or later, no additional premium is payable for that month.
Coverage for New Residents
Dependents establishing residence in British Columbia are eligible for coverage as outlined in the B.C. Residents section of this website.
Cancelling a Dependent's Group Coverage
A dependent's group coverage will be cancelled at the end of the month he/she ceases to be eligible. Please have your employee complete a Group Change Request form to cancel group coverage if any of the following situations occur:
- no longer a resident of British Columbia
- married or living and cohabiting in a marriage-like relationship
- no longer a resident of British Columbia
- age 19 or older and no longer enrolled in a full-time study program at a recognized educational facility
If a dependent obtains his/her own coverage, HIBC will remove the dependent from the employee’s plan.
Spouse Turning 19 years Old
If a group member’s spouse is under 19 years old, no premiums will be charged for the spouse. When the spouse turns 19 years old, premium charges will be established for them automatically and will begin to appear on group invoices.
Children Age 19 and Over
In order to remain eligible for coverage upon a child’s 19th birthday, a child must meet the residency requirements and all of the following requirements as a dependent post-secondary student:
- single (not married or living and cohabiting in a marriage-like relationship)
- 24 years of age or younger
- supported by the account holder, who is their parent or guardian
- enrolled in a full-time study program at an accredited recognized post-secondary institution
A dependent post-secondary student older than 18 and younger than 25 years of age must be a beneficiary on the parent or guardian's account to be recognized as a dependent for the purposes of determining MSP premium rates. As long as the above criteria are met, no premiums will be charged for the child older than 18 and younger than 25 years of age on the parent/guardian's account. A dependent post-secondary student may include a student enrolled in full-time studies at a trade school, technical school or high school.
After 2018, upon turning 19, individuals will need to renew enrolment in MSP and obtain a BC Services Card.
A letter is sent to the mailing address on the parent’s account two months before a child’s 19th birthday. The letter advises that:
- coverage under the parent’s account will end on the last day of the month the child turns 19;
- continuous coverage under a new, self-administered account will be established with 100 percent Regular Premium Assistance if residency requirements for assistance are met;
- the parent has the option of continuing to cover the child, if the child is eligible.
If coverage is being provided for a child age 19 to 24, this arrangement will end on the last day of the month schooling is completed. Continuous coverage under a new, self-administered account is established.
If coverage is being provided for a child approaching the age of 25, the parent is sent a letter advising that this arrangement will end on the last day of the month the child turns 25. Continuous coverage under a self-administered account is established.
A child coming off a parent’s account does not usually have a level of income that requires him/her to pay premiums. Therefore, if the residency requirements for assistance have been met, 100 percent Regular Premium Assistanceis initially provided to the child under his/her new account. When it is time to determine if this assistance can continue, HIBC sends him/her an Application for Regular Premium Assistance.
A resident of British Columbia who leaves B.C. to attend school or university may be eligible for benefits for the duration of studies if the individual is enrolled in a full-time study program at a recognized educational facility, and at the time of leaving was physically present in Canada for 6 of the 12 months immediately preceeding departure.
Beneficiaries who have been studying outside B.C. must return to the province by the end of the month following the month in which studies are completed. Any student who will not return to B.C. within that timeframe, must contact HIBC to discuss their situation.
Please provide our Leaving B.C. pamphlet to any account holder or family member who will be leaving the province to attend school or university