Westfund can trace its roots back to the mining communities of Bathurst and Lithgow as far back as 1881, although the current company was formally created as a non-profit health fund for miners in 1953. It continues to focus on regional communities today.
The fund has almost 100,000 members, with branches across Queensland and New South Wales.
This health fund values giving back to the community, and participates in many local fundraising events and other initiatives, including the annual Westfund Christmas Appeal and a community service called the Vision Screening Program.
Nobody chooses to go to hospital. But when you do, hospital cover will help you get the treatment you need, where and when you want it. It also helps to pay the bills, as fees for hospital rooms and specialists can add up.
Think about what services you’re likely to need, in line with your budget. If you earn over $90,000 individually or $180,000 as a couple, you could avoid paying the Medicare Levy Surcharge.
Westfund Health Insurance has a range of hospital-only covers, from Basic to Gold, to suit all budgets and needs. Their excess options range from $0 through to $750 per calendar year.
This basic cover provides restricted cover on a few popular services, and is typically taken up by healthy singles and couples on a budget.
Only pay for what you need with mid-level hospital cover that’s suitable for established families and couples.
Higher-level hospital cover suitable for older adults, that covers services likely to be needed later in life.
This is Westfund’s most comprehensive hospital cover, with no exclusions or restrictions. It’s a popular option for those wanting to start a family or just want top-tier coverage.
All Westfund Health Insurance cover options include emergency ambulance transportation. If you don’t want to take out hospital or extras cover, you can purchase emergency ambulance cover on its own.
Note: Emergency ambulance costs for Queensland and Tasmanian residents are covered by their state schemes.
From dental, to optical, to chiro and more, extras insurance helps cover the bills for routine treatments with rebates of up to 100%.
While we’ve summarised the key points of each plan below, it’s always worth digging a little deeper into any gap fees, how much you can claim back, and whether your preferred healthcare provider, such as your local dentist, has an agreement with the health fund.
Take time to work out what you need and what you’re prepared to pay. If this feels a bit overwhelming, you can speak to one of our experts who can talk you through what is and isn’t included in each extras policy.
Westfund Health Insurance offers a variety of extras cover options. You can purchase a policy on its own or combine it with hospital cover.
Basic cover for the price-conscious, suitable for healthy young singles, couples and families. Extras include general dental, selected major dental, optical and physio.
Mid-level cover with competitive rebates and benefits for key services such as optical, dental, physio and chiropractic, plus additional services like orthodontics.
Top-level extras cover for growing families. It provides a higher level of rebates for the same services than the Advantage Extras policy but at a higher monthly cost.
Extras that have large limits per person on highly-used services like optical, dental and physio. Designed for older singles and couples.
This is the top-tier extras cover with generous limits on a comprehensive range of benefits. Suitable for those who proactively want to cover the full range of treatments.
To stop people signing up, claiming, then cancelling their health insurance, all insurers apply waiting periods. Generally, the more expensive the treatment, the longer you’ll wait. But keep an eye out for special deals with waiting periods reduced or waived.
Westfund Health Insurance member receive:
Claim through the Westfund app, email, fax or post. You can also claim on the spot at participating HICAPS providers.
Westfund Health Insurance has agreements with many private hospitals and day clinics across Australia. When comparing policies, it’s worth checking if your local hospitals and clinics are covered. Our specialists at Health Insurance Comparison can do this for you.
You can use Westfund’s search tool to find a hospital or clinic near you that the fund covers.
In 2019 Westfund Health Insurance’s complaints amounted to 0.6% of total complaints – which is on par for a fund of their size*.
You won’t need to re-serve any waiting periods for benefits you were entitled to under your old cover, as long as they’re included in your new Westfund health cover and you’ve already completed the relevant waiting periods
If your new policy includes new items or higher benefits that were not part of your old policy, there will be waiting periods for those new services and/or higher benefits.
Our experts can provide you with free personal advice. Let us call you.