Choosing the cover that’s right for you and your family is important.
Our easy-to-understand reference tables below help you quickly assess the benefits, inclusions and exclusions for each cover.
Remember, we’re always here to help.
Simply call 1300 WESTFUND or email us so we can discuss your options with you.
| Gold | Silver Plus Assure | Silver | Bronze | Basic | Waiting Period | |
|---|---|---|---|---|---|---|
| More on Gold | More on Silver Plus Assure | More on Silver | More on Bronze | More on Basic | ||
| Rehabilitation |  |
|
|
R |
R |
2 months |
| Hospital psychiatric services | |
R |
R |
R |
R |
2 months |
| Palliative care | |
|
|
R |
R |
2 months |
| Brain and nervous system | |
|
|
|
R |
12 months |
| Eye (not cataracts) | |
|
|
|
R |
12 months |
| Ear, nose and throat | |
|
|
|
R |
12 months |
| Tonsils, adenoids and grommets | |
|
|
|
R |
12 months |
| Bone, joint and muscle | |
|
|
|
R |
12 months |
| Joint reconstructions | |
|
|
|
R |
12 months |
| Kidney and bladder | |
|
|
|
R |
12 months |
| Male reproductive system | |
|
|
|
R |
12 months |
| Digestive system | |
|
|
|
R |
12 months |
| Hernia and appendix | |
|
|
|
R |
12 months |
| Gastrointestinal endoscopy | |
|
|
|
R |
12 months |
| Gynaecology | |
|
|
|
R |
12 months |
| Miscarriage and termination of pregnancy | |
|
|
|
R |
12 months |
| Chemotherapy, radiotherapy and immunotherapy for cancer | |
|
|
|
R |
12 months |
| Pain Management | |
|
|
|
R |
12 months |
| Skin | |
|
|
|
R |
12 months |
| Breast surgery (medically necessary) | |
|
|
|
R |
12 months |
| Diabetes Management (excluding insulin pumps) | |
|
|
|
R |
12 months |
| Heart and vascular system | |
|
|
 |
R |
12 months |
| Lung and chest | |
|
|
|
R |
12 months |
| Blood | |
|
|
|
R |
12 months |
| Back, neck and spine | |
|
|
|
R |
12 months |
| Plastic and reconstructive surgery (medically necessary) | |
|
|
|
R |
12 months |
| Dental surgery | |
|
|
|
R |
12 months |
| Podiatric surgery (provided by a registered podiatric surgeon) | |
|
|
|
R |
12 months |
| Implantation of hearing devices | |
|
|
|
R |
12 months |
| Cataracts | |
|
|
|
R |
12 months |
| Joint replacements | |
|
|
|
R |
12 months |
| Dialysis for chronic kidney failure | |
|
|
|
|
12 months |
| Pregnancy and birth | |
|
|
|
R |
12 months |
| Assisted reproductive services | |
|
|
|
R |
12 months |
| Weight loss surgery | |
|
|
|
|
12 months |
| Insulin pumps | |
|
|
|
R |
12 months |
| Pain management with device | |
|
|
|
R |
12 months |
| Sleep studies | |
|
|
|
R |
12 months |
Covered – Benefits are paid towards hospital and medical services. R Restricted – Minimum benefits are paid towards hospital and medical services. Excluded – No benefits are paid towards hospital and medical services.
Basic Hospital – Hospital and medical services are restricted to public hospitals only.
| Gold | Silver Plus Assure | Silver | Bronze | Basic | |
|---|---|---|---|---|---|
| Ambulance Cover | |
|
|
|
|
| Access Gap agreement | |
|
|
|
|
| Excess available | Nil $250 $500 $750 |
Nil $250 $500 $750 |
$250 $500 $750 |
$500 $750 |
$500 $750 |
| Excess waivers available | |
|
|
|
|
| Accommodation Benefit | Nights 1-4 will be paid at $100 per night; Nights 5 and onward will be paid at $40 per night | Nights 1-4 will be paid at $80 per night; Nights 5 and onward will be paid at $30 per night | Nights 1-4 will be paid at $50 per night; Nights 5 and onward will be paid at $20 per night | |
|
| Inpatient Travel Benefit | Up to $70 per admission | Up to $70 per admission | Up to $70 per admission | |
|
| Forced Retrenchment / Protected Industrial Action | Suspension of membership for up to six months due to forced retrenchment or protected industrial action | Suspension of membership for up to six months due to forced retrenchment or protected industrial action | Suspension of membership for up to six months due to forced retrenchment or protected industrial action | Suspension of membership for up to six months due to forced retrenchment or protected industrial action | Suspension of membership for up to six months due to forced retrenchment or protected industrial action |
| Overseas Travel Suspension | Suspension of membership for up to 24 months due to overseas travel | Suspension of membership for up to 24 months due to overseas travel | Suspension of membership for up to 24 months due to overseas travel | Suspension of membership for up to 24 months due to overseas travel | Suspension of membership for up to 24 months due to overseas travel |
Limits are per calendar year unless otherwise stated. Before selected your health cover please review the Policy Summaries. This has full details on important terms and conditions, waiting periods, pre existing conditions and benefits.
Accommodation and Inpatient Travel benefits are in addition to Hospital and Medical entitlements.
| Ultimate Extras | Esteem Extras | Advantage Pro Extras | Advantage Extras* | Essential Extras | |
|---|---|---|---|---|---|
| More on Ultimate | More on Esteem | More on Advantage Pro | More on Advantage | More on Essential | |
| General Dental | No Annual Limit | $1,600 per person |
No Annual Limit | No Annual Limit | $400 S $800 F, C, SP |
| Major Dental | $1,500 per person |
$1,400 per person |
$1,125 per person |
||
| Orthodontia (Lifetime Limit) |
Up to $3,250 per person |
|
Up to $2,500 per person |
Up to $2,500 per person |
|
| Optical | $350 per person |
$250 per person |
$250 per person |
$250 per person |
$180^ per person |
| Chiropractic | $400 S $800 F,C,SP |
$600 per person |
$300 S $600 F,C,SP |
$300 S $600 F,C,SP |
$400^ per person combined with Optical and Preventative and Health Management |
| Physiotherapy | $520 S $1,040 F,C,SP |
$420 S $840 F,C,SP |
$300 S $600 F,C,SP |
||
| Complementary Therapies | $750 S $1,500 F,C,SP |
$400 per person |
$500 S $1,000 F,C,SP |
$500 S $1,000 F,C,SP |
|
| Prescriptions | $600 per person |
$500 per person combined with Preventative and Health Management |
$400 per person |
$400 per person |
|
| Preventative and Health Management | |
|
|
|
^ |
| Health Aids & Appliances (see below) |
 |
|
|
|
|
| Outpatient Travel Benefit | $210 per policy |
$140 per policy |
$140 per policy |
|
|
| Sunglasses | $75 per person |
$50 per person |
$50 per person |
$50 per person |
$50 per person |
| Forced Retrenchment / Protect Industrial Action Suspension | Suspension of membership for up to six months due to forced retrenchment or protected industrial action | Suspension of membership for up to six months due to forced retrenchment or protected industrial action | Suspension of membership for up to six months due to forced retrenchment or protected industrial action | Suspension of membership for up to six months due to forced retrenchment or protected industrial action | Suspension of membership for up to six months due to forced retrenchment or protected industrial action |
| Overseas Travel Suspension | Suspension of membership for up to 24 months due to overseas travel | Suspension of membership for up to 24 months due to overseas travel | Suspension of membership for up to 24 months due to overseas travel | Suspension of membership for up to 24 months due to overseas travel | Suspension of membership for up to 24 months due to overseas travel |
| Ambulance | |
|
|
|
|
F = Family, SP = Single Parent Family, C = Couple, S = Single
^ Optical grouped with Chiropractic, Physiotherapy, Complementary Therapies and Preventative and Health Management with $180 optical sub-limit applying.
* Effective 1 July 2020, Advantage Extras is only available when packaged with eligible hospital policies. Refer to the policy summary for eligible hospital policies.
Eligibility and benefits for Health Aids & Appliances vary between covers, refer to the relevant Policy Summaries for full benefit information.
| Blood Pressure Monitor | Devices for Sleep Apnoea and diagnosed snoring | Hearing Aids |
| Respiratory Aids | TENS Machine | Mobility Aids |
| Mammary Prostheses/Brassieres | INR Monitor | Oxygen and Accessories |
| Wigs | Burns Suits | Oximeter |
| Blood Glucose Monitor | CPAP Mask | Low Vision Aids |
| Compression Garments | CPAP Accessories | Repairs to Devices |
| TENS Accessories | Artificial Limbs | Braces |
| Orthopaedic Boots | FM Systems | Orthotics |
Limits are per calendar year unless otherwise specified. Not all benefits are shown in the table. For Terms and Conditions for benefit information, waiting periods, item limits and sub-limits please review the Policy Summary.
