Compare our Covers

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.

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Comparison of Westfund Health Insurance Hospital Cover
  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 Included Included Included Included R Included R 2 months
Hospital psychiatric services Included Included R Included R Included R Included R 2 months
Palliative care Included Included Included Included R Included R 2 months
Brain and nervous system Included Included Included Included Included R 12 months
Eye (not cataracts) Included Included Included Included Included R 12 months
Ear, nose and throat Included Included Included Included Included R 12 months
Tonsils, adenoids and grommets Included Included Included Included Included R 12 months
Bone, joint and muscle Included Included Included Included Included R 12 months
Joint reconstructions Included Included Included Included Included R 12 months
Kidney and bladder Included Included Included Included Included R 12 months
Male reproductive system Included Included Included Included Included R 12 months
Digestive system Included Included Included Included Included R 12 months
Hernia and appendix Included Included Included Included Included R 12 months
Gastrointestinal endoscopy Included Included Included Included Included R 12 months
Gynaecology Included Included Included Included Included R 12 months
Miscarriage and termination of pregnancy Included Included Included Included Included R 12 months
Chemotherapy, radiotherapy and immunotherapy for cancer Included Included Included Included Included R 12 months
Pain Management Included Included Included Included Included R 12 months
Skin Included Included Included Included Included R 12 months
Breast surgery (medically necessary) Included Included Included Included Included R 12 months
Diabetes Management (excluding insulin pumps) Included Included Included Included Included R 12 months
Heart and vascular system Included Included Included Excluded Included R 12 months
Lung and chest Included Included Included Excluded Included R 12 months
Blood Included Included Included Included Included R 12 months
Back, neck and spine Included Included Included Excluded Included R 12 months
Plastic and reconstructive surgery (medically necessary) Included Included Included Excluded Included R 12 months
Dental surgery Included Included Included Included Included R 12 months
Podiatric surgery (provided by a registered podiatric surgeon) Included Included Included Included Included R 12 months
Implantation of hearing devices Included Included Included Included Included R 12 months
Cataracts Included Included Excluded Excluded Included R 12 months
Joint replacements Included Included Excluded Excluded Included R 12 months
Dialysis for chronic kidney failure Included Included Excluded Excluded Excluded 12 months
Pregnancy and birth Included Excluded Excluded Excluded Included R 12 months
Assisted reproductive services Included Excluded Excluded Excluded Included R 12 months
Weight loss surgery Included Excluded Excluded Excluded Excluded 12 months
Insulin pumps Included Included Included Included Included R 12 months
Pain management with device Included Included Excluded Excluded Included R 12 months
Sleep studies Included Included Included Included Included R 12 months

Included Covered – Benefits are paid towards hospital and medical services.
Included R Restricted – Minimum benefits are paid towards hospital and medical services.
Excluded Excluded – No benefits are paid towards hospital and medical services.
Basic Hospital – Hospital and medical services are restricted to public hospitals only.
Gold Hospital is only available when packaged with eligible Extras policies.

Comparison of Westfund Health Insurance Hospital Cover
  Gold Silver Plus Assure Silver Bronze Basic
Ambulance Cover Included Included Included Included Included
Access Gap agreement Included Included Included Included Excluded
Excess available Nil
$250
$500
$750		 Nil
$250
$500
$750		 $250
$500
$750		 $500
$750		 $500
$750
Excess waivers available Included Included Included Included Excluded
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 Excluded Excluded
Inpatient Travel Benefit Up to $70 per admission Up to $70 per admission Up to $70 per admission Excluded Excluded
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.

Comparison of Westfund Health Insurance Extras Cover
  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		 Excluded Up to $2,500
per person		 Up to $2,500
per person		 Excluded
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		 Excluded
Preventative and Health Management Included Included Included Included Included ^
Health Aids & Appliances
(see below)		 Included Included Included Included Excluded
Outpatient Travel Benefit $210
per policy		 $140
per policy		 $140
per policy		 Excluded Excluded
Sunglasses $75
per person		 $50
per person		 $50
per person		 $50
per person		 $50
per person
Ambulance Included Included Included Included Included

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.
Advantage Extras is only available when packaged with eligible Hospital policies.

Health Aids & Appliances

Eligibility and benefits for Health Aids & Appliances vary between covers, refer to the relevant Policy Summaries for full benefit information.

Range of Westfund Health Insurance Health Aids & Appliances
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.