Compare our Covers

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				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.

Comparison of Westfund Health Insurance Hospital Cover

	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.

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		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
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.

Health Aids & Appliances

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

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.