Some insurance policies allow you to add your family. With Happl, you can easily add or remove your dependants whenever you need. Here’s everything you need to know about the process.
Who Can You Add as a Dependant?
Some policies allow employees to add their dependants, which can include:
Spouse or Partner: Including civil partners and common-law partners
Children: Biological, adopted, or stepchildren, usually up to the age of 25 if in full-time education
Dependants will typically receive the same level of cover as the employee.
Key Things to Know:
Cost: Dependants are usually paid for via payroll.
Tax Implications: Since dependants are usually employee-funded, they are not liable for Benefit-in-Kind (BIK) tax. However, if the employer covers the cost, BIK tax will apply.
Policy Advantage: Adding your family to your company policy is often much cheaper than taking out a personal policy due to shared risk.
Mori Policy Specific: If you’re on a Mori policy, make sure to share any proof of recent cover (within the last 30 days) with another insurer to ensure existing conditions are covered.
How to Add Dependants on Happl:
Log in to Happl
Click 'Learn More' under your insurance policy tile on the home screen.
Scroll down to the Dependants section and click 'Add Dependant'.
Complete the required information:
Full Name
Date of Birth
Relation to you
Email Address
Home Address
Submit your request to Happl for processing.
Tracking the Status of Your Dependant's Enrolment:
Progress: Your request has been submitted and is awaiting processing from the insurer
Awaiting Details: We’ve received your request and are waiting for confirmation of premium or membership number from the insurer.
Updating: You’ve submitted a change, and it’s being processed.
Active: The dependant is active on your policy.
To Cancel: You’ve requested to remove this dependant.
Cancelled: This dependant has been removed from the policy.
Expired: The cover on this policy has expired.
How Much Does It Cost?
Most insurers follow this premium structure:
Single: 1x
Couple: 2x
Single Parent Family: 1.5x (1.6x with AXA)
Family: 2.5x
Example Costs:
Employee: £50/month
Partner: £50/month
Child: £25/month (£30 with AXA)
Family: £75/month
Note: In most cases, you only pay for the first child. Any additional children are covered at no extra cost.