Health insurance for growing families
We’re here to support families at every stage. With a range of policies suited for families of all shapes and sizes and over 145 years of experience, feel confident knowing you’re in safe hands.
We’ve worked hard to create health cover that supports families at every stage. Westfund includes unlimited emergency ambulance cover, no excess payable for kids on Gold and Silver tier hospital cover, and access to a national Provider of Choice network that can help reduce or eliminate out-of-pocket costs for selected dental treatments.
Feel secure in knowing your family is covered.
A broad range of family-focused benefits
Enjoy cover for common hospital treatments, including; tonsils, adenoids and grommets, ear, nose and throat, as well as benefits for dental, physiotherapy and chiropractic.
Protect your growing family, plan for the unexpected
Our Gold Ultimate Hospital covers pregnancy and birth, assisted reproductive services, and you’ll pay no excess for kids or accidents when admitted to a private hospital.
Happy members
We’re rated 4.7/5 on Productreview.com.au (as at October 2026).
Easy on-the-spot claims
Take the stress out of managing payments for extras with easy on-the-spot electronic claiming, or through the Westfund App.
Ready to join Westfund?
Find your cover or read more about our most popular health insurance options for growing families below.
Cover for what you need.
Silver Plus Family
Singles from $77.14 per week*
Families from $111.86 per week*
Helping healthy families grow. A tailored Hospital and Extras package designed for young families or those planning to start a family. Offers pregnancy & birth service coverage, including IVF. Also includes family-focused benefits in one convenient plan with 60% back on Extras services up to annual limits (excludes prescriptions, injections and vaccinations).
Combined Hospital and Extras cover.
Additional children can be added to your family policy at no extra cost.
No excess for kids or accident-related hospital admissions.
60% back on Extras services up to annual limits.
Gold Ultimate Hospital
Families from $144.96 per week*
Our top Hospital cover with no exclusions or restrictions. Health insurance suited to people who want peace of mind with our most comprehensive cover and complete access to our Health and Wellbeing Program range. Includes top cover for families with pregnancy, birth and IVF included.
- Only available when packaged with an extras cover.
- Pay no excess for kids. Pay no excess for accidents when admitted to a private hospital.
- Complete access to our Health & Wellbeing Program range.
- Travel & Accommodation benefits to support members needing to travel for care.
Mid Extras
Families from $23.24 per week^
Good Extras health insurance suited to families wanting cover for key services such as optical, dental (including orthodontic), physio and chiro. Offers good value for growing families with benefits to put towards a broad range of Extras including mental health support, massage, vitamins and nutrition.
- Only available when packaged with a hospital cover.
- Allows you to use your dental cover as you need, with $1125 per person, per calendar year (not including orthodontic).
- $2,500 lifetime limit on orthodontic.
- $120 per policy, per calendar year to put towards antenatal and postnatal classes.
Footnotes
* Based on NSW prices, including $750 excess and Base Tier Australian Government Rebate for under 65. Does not include Lifetime Health Cover loading or Age-Based Discount. Family price covering dependants under 25. Prices effective 1 April 2026.
^Based on NSW prices, including Base Tier Australian Government Rebate for under 65. Family price covering dependants under 25. Prices effective 1 April 2026.
Switching to Westfund is easy
30-day guarantee.
You can try us for 30 days, if you decide to cancel we’ll refund any premiums paid — as long as no claims are made.
You won’t re-serve waiting periods.
When you transfer to an equivalent or lower level of cover.
We’ll take care of the hard stuff.
We can cancel your old policy for you and handle all the paperwork; all you'll need to do is cancel your direct debit with your previous fund.
And we're easy to use
Easy claiming for the day-to-day.
For extras, easy on-the-spot electronic claiming, or though the Westfund App.
Expert help when you need it.
With call centres across NSW and Queensland, we have local teams ready to answer your questions.
We’re here to help
Speak to one of our experts about your needs at a time that suits you – we’re available over the phone, email, webchat or at your local branch. We’re here to help.