Basic Hospital

Benefit Changes from 1 April 2020

At Westfund Health Insurance, we know that providing quality cover that is both easy to understand and use is important.

Our annual review of our products has facilitated a number of changes to your Basic Hospital cover. These changes will come into effect from 1 April 2020 and are outlined below.

For further information, please don’t hesitate to call us on 1300 937 838 or via email to

Excess waivers

Current excess waivers New excess waivers How this affects you
No excess is payable for public hospitals, if you are admitted as a private patient due to an accident, same-day procedures or for dependants.

An excess is payable once per adult member, per calendar year.
Excess waivers will no longer apply. An excess is payable when admitted as a private patient in a public hospital.

An excess is payable once per member per calendar year. For Single Parent Family and Family policies this is to a maximum of $1,500 per policy, per calendar year. 
All members will be required to pay an excess when admitted to a public hospital as a private patient.  

This change has no impact on your current hospital inclusions.

If you have scheduled or are undergoing treatment at a public hospital following 1 April 2020, Westfund has implemented transitional arrangements that may be relevant to you.
Jump to transitional arrangements explained

Members are required to pay an excess when:

Admitted to a Private Hospital

No cover in a private hospital

Admitted to Public Hospital

Admitted forSame-day
AccidentAll other admissions
Main Member or Spouse / Partner

Transitional Arrangements Explained

Westfund will apply transitional measures for a period of six months following the change of the hospital excess waiver. From 1 April 2020, the following transitional arrangements will apply for the removal of excess waivers. Examples of transitional measures are provided below;

  • Treatment commenced: For patients admitted prior to the effective date of the excess waiver change but discharged on or after 1 April 2020, the excess waiver will apply.
  • Pre-bookings: For patients with a booking received by the hospital prior to 1 April 2020, including bookings notified by the doctor or where the patient has completed the necessary forms, but where admission occurs within six months of the date of excess waiver removal, the excess waiver will apply.
  • Course of treatment: For all patients undertaking a course of treatment (e.g. chemotherapy, dialysis, psychiatric, rehabilitation), the excess waiver applies for the duration of the course of treatment or a continuous period of up to 6 months from the excess waiver change, whichever occurs first.
  • Emergency admissions: For emergency admissions the excess waiver will apply for a continuous period of at least 6 months.

If you believe you meet one of the above criteria please contact Westfund on 1300 937 838 or with all relevant information relating to your hospitalisation.